What are the options if I am facing financial hardship and struggling to make mortgage payments?

If you are facing financial hardship and finding it difficult to make your mortgage payments, CitiMortgage offers several options to help you navigate this situation. One option is a loan modification, where the terms of your mortgage are modified to make the payments more affordable. You can also consider a forbearance plan, which allows for temporary payment reduction or suspension until you regain financial stability. Another possibility is a short sale, wherein you can sell your home for less than the amount owed on the mortgage. CitiMortgage can also explore other alternatives, such as a deed in lieu of foreclosure or refinancing options. The best course of action depends on your specific circumstances, so it is recommended to reach out to CitiMortgage directly to discuss the available options and identify the one that suits your needs.