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On this modification with Citi there was no principal reduction because the property was not underwater. However, the interest rate was reduced from 6.375% to 2.0% for five years, 3.0% for one year, and then 3.875% for the next 35 years. Read the details here:
http://washingtonattorneybroker.com/wp-content/uploads/2012/08/Citi-modification-JiMc-1-16-12.pdf