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In addition, the agency told lenders and loan servicers that it "strongly recommends" additional help for homeowners directly affected by the tornado, including waivers of late charges, mortgage modifications and refinancing.
"The complaints indicate consumer confusion persists around the process and requirements for obtaining loan modifications and refinancing," the report said, particularly on issues involving submission of documents, payment trial periods and allocation of payments.
The difference between mortgage modifications and refinancing is another example.
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In addition to supporting the creation of new mortgages, the agencies sit at the center of the Obama administration's housing assistance programs, which provide services such as loan modifications and refinances, and therefore play a critical role in assisting delinquent borrowers in keeping their homes.
CitiFinancial will also be split into two parts, one offering personal, home equity and refinancing loans, and the other handling loan modifications and restructuring, Citigroup said.
Southern California Water District, $59.4 million of revenue and refinancing bonds.
Zuno offers current and savings accounts, personal loans and refinancing.
Smaller portions are reserved for short sales and refinancing.
And refinancing as a retiree could be difficult.
Fairfield, Ohio., Medical Center, $100 million of hospital revenue and refinancing bonds.
King County, Wash., $72 million of sewer revenue and refinancing bonds.
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