Whatever reason you're visiting our blog today, we want you to know that your questions, comments and concerns matter to us. Every single one. We'd like you to think of this as the place to start a conversation. Because we will respond to you; we just may not do it in the open forum of this blog, due to privacy concerns. After all, your personal information should remain private, shouldn't it? So feel free to raise any issue right here, and we'll be in touch. Just be sure that you provide a valid email address and check your email for our response.

When we post comments.

Often, our blog visitors are writing with a very specific question about their mortgage with us and sometimes even their personal circumstances. Information such as mortgage payments, loan balances, due dates and personal information are frequently included. Naturally, we can't share that information with the general public, so in those cases we typically just provide a general response notifying the commenter that someone will be in touch with them to address their question or comment. Although we don't post detailed responses for every comment, you can rest assured that the details are provided privately.

On the other hand, if someone posts a comment with a general question that we believe would be relevant to a lot of people then it becomes a good candidate for a public post. Some examples of a general question include options to avoid foreclosure or where to find a list of Citi's available foreclosure properties. Another scenario where we'll post a comment publicly is when we find we can remove personal information without distorting the intent of the comment.

Also, if we see a trend in questions on a specific topic or situation we'll often post a blog or in some cases a series of blogs to address the topic. This way the information can be seen by a wider audience than if we just posted it as a comment response. For example, we recently posted several blogs about the various options homeowners have to avoid foreclosure. For a list of topics, simply select the drop-down menu at the top of the home page where it says, "choose a subject." There, you'll find categories of information about foreclosures, information security, lending, online servicing, refinancing and much more. Select your category of interest and all of the blog posts pertaining to that category will display.

How we respond in private.

If your question or concern is too personal to post publicly, we pledge that we will respond to you directly. The most important thing you can do when you post on our blog is to provide a valid email address. And, obviously be sure to check your email for our response. When a comment comes in on the blog, it is routed to support specialists or managers that have expertise in the subject matter of that specific comment. Using the email provided, a response is sent directly to the commenter. Unfortunately, if the email address provided isn't accurate or a response to their email message is never received then we don't have any other way to make contact.

Got a gripe? We want to hear those too.

We've mentioned that we moderate visitor comments; because we want to be sure we don't divulge personal information in a public forum. But that doesn't mean we filter out negative comments. We want to hear those, too. And if the issue is broad enough, we'll post it for everyone to see.

Tell us what you want to talk about.

As we said from the beginning, our blog is all about having a conversation with the people who matter to us most: you. We believe it is important to share a wide variety of information that can help consumers and homeowners, whether our customers or not. So, tell us what you want to talk about. We're listening--and are continually evolving the content of this blog to be as relevant as possible to you.