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I’m in the final phase of a modified mortgage with Citi. What can I expect?

I understand that some of the possible reduction of capital by lowering interest rates, elimination of late fees, Thu, etc., they really give you those things?

I am in the final stages of a loan… ...I expect? I understand that some of the possibilities are reduction of principal, lowering of the interest rate, removal of late fees etc. Do they really give you these things?
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