Tradtional Loan Modification Timeline for Approval
Unfortunately there is no time line for approval. My recommendation is that when things are stalled after months of efforts the best course is to tell Citi that you are going to file a complaint with the Federal Reserve Consumer Complaint Division and the Controller of the Currency. Then do that.
Here is a link to the Federal Reserve Bank districts http://www.federalreserve.gov/otherfrb.htm
If you click on the District and go to Consumer information you will find where to file a consumer complaint on line. Hawaii is San Francisco and the consumer complaint link is http://federalreserveconsumerhelp.gov/
Controller of the Currency consumer complaint web site
If your loan is an FHA look at the loan closing document Form HUD-1 and it will have a FHA case number. The call FHA directly.
Find the phone number for the FHA resource center here. http://www.hud.gov/offices/hsg/sfh/fharesourcectr.cfm
Lenders tend to stall and stall. Some are just plain overloaded and understaffed. You have to take steps to get their attention and these will do that.