Citigroup has helped various homeowners through the Making Home Modification Program over the past months and has seen an increase in the number of permanent home loan modifications that have been made. However, delinquent borrowers are still a problem for Citigroup and many mortgage servicers, as well as, aged trial modifications in which many homeowners have become trapped.

Many homeowners have become delinquent in their mortgage payment for reasons that range from the loss of value in their home to unemployment. The simple inability to make a mortgage payment is what many homeowners are combating as foreclosure has become a real possibility for the majority of individuals who are struggling to make ends meet.

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