Delmy and Jenny Ramos are residents of Ocean View.
They have an ARM loan from Citibank. They purchased their home in 2006. They missed three payments and then caught up. They had fallen behind because of other bills they needed to cover.
They applied for a loan modification, but Citibank denied the modification because of the amount owed. Citibank plans to auction off their home on June 14, 2012.
- Loan modification.