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citi mortgage chatrooms are simply places on the Internet that people who have an interest in citi mortgage get together and share what they know. These are simply small VIRTUAL COMMUNITIES and provide a place for group discussion on citi mortgage.
The citi mortgage chatroom generally will not be private and you don't need to pay anything to join or participate. Many people that visit chatrooms never say a word but just listen, They are known as LURKERS and are not bad. They simply listen to what others are taking about to learn more about citi mortgage.
http://www.e-mortgage-biz.info/1st-mortgage/citi-mortgage.html