Thanks everyone. And, just so you know, I'm not giving up on the house yet! Just because the bank turned me down doesn't mean it's over! I just called FannieMae today and they are sending me a modification packet to fill out and return. And the lady I talked to was much more pleasant and helpful than any of the people I've dealt with at Citi. So, the process will continue for a little while longer at least. But, I have decided that no matter what happens, I will be okay. And I believe that.
And now, I have more photos to edit! Back to work, lol.
L