My mortgage is with Citi. I called them and said I'm going broke and what can you do for me on my payment. They asked for all the relevant expenses and income questions then said, I don't qualify for a refi. Too much debt to income, but I thought I made that clear when I first said "I'm going broke". So I asked for other suggestions since I didn't qualify for a refi. She said I could do a short sale. I said the house has been on the market for over a year and no one made any offers, so I can't see what's going to happen with a short sale. Besides, I have plenty of equity, so there's no point in this route. I then asked whats up with all the Obama mortgage help programs and why don't I qualify for any of them. She said Wells Fargo is the investor and Citi is the servicer and WF doesn't offer any help with mortgage payments. Ah fuckin ha. So I went to the WF website and said lookey lookey WF does too offer mortgage assistance (modifications). She said "Does not". I then asked her when did all this happen that my mortgage ended up with WF. She couldn't answer that. So I called WF, and after some effort found someone to bitch at. I said you own my mortgage and I would like a loan modification. Since they don't have a record of me having a mortgage on file I had to fess up and tell them that Citi was the servicer. She said WF can't help me. The way it looks to me is these banks cut deals with each other and don't offer programs based on whatever side deals are made as servicers or investors.