UNITED STATES
                    SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C. 20549

                                  FORM 10-K

[X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934

For the fiscal year ended  December 31, 2007
                          -----------------------------------------------

                                    or

[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934

For the transition period from                    to
                              -------------------    --------------------

Commission file number of issuing entity   333-138237-10
                                         -------------------


                 Citigroup Mortgage Loan Trust 2007-WFHE2
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          (Exact name of issuing entity as specified in its charter)


Commission file number number of registrant    333-138237
                                            -------------------

                   Citigroup Mortgage Loan Trust Inc.
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          (Exact name of registrant as specified in its charter)

                    Citigroup Global Markets Realty Corp.
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          (Exact name of sponsor as specified in its charter)

         Delaware                                   01-0791848
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State or other jurisdiction of                   (I.R.S. Employer
incorporation or organization                   Identification No.)

390 Greenwich Street, 4th Floor, New York, New York           10013
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(Address of principal executive offices)                       (Zip Code)


Registrant's telephone number, including area code (212)-816-6000
                                                  -----------------------

Securities registered pursuant to Section 12(b) of the Act:   NONE.



Securities registered pursuant to section 12(g) of the Act:  NONE.



Indicate by check mark if the registrant is a well-known seasoned issuer,
as defined in Rule 405 of the Securities Act.

                      Yes  [  ]                  No   [X]


Indicate by check mark if the registrant is not required to file reports
pursuant to Section 13 or Section 15(d) of the Act.

                      Yes  [  ]                  No   [X]


Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange
Act of 1934 during the preceding 12 months (or for such shorter period
that the registrant was required to file such reports), and (2) has been
subject to such filing requirements for the past 90 days.

                      Yes  [X]                  No   [ ]


Indicate by check mark if disclosure of delinquent filers pursuant to Item
405 of Regulation S-K (Section 229.405 of this chapter) is not contained
herein, and will not be contained, to the best of registrant's knowledge, in
definitive proxy or information statements incorporated by reference in Part
III of this Form 10-K or any amendment to this Form 10-K.     X
                                                           -------

Indicate by check mark whether the registrant is a large accelerated filer,
an accelerated filer, a non-accelerated filer, or a smaller reporting company.
See definition of "large accelerated filer," "accelerated filer" and "smaller
reporting company" in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer
                       ---

Accelerated filer
                 ---

Non-accelerated filer X   (do not check if a smaller reporting company)
                     ---

Smaller reporting company
                         ---


Indicate by check mark whether the registrant is a shell company (as defined
in Rule 12b-2 of the Act).

                      Yes                       No    X
                          -------                  -------

State the aggregate market value of the voting and non-voting common equity
held by non-affiliates computed by reference to the price at which the
common equity was last sold, or the average bid and asked price of such
common equity, as of the last business day of the registrant's most recently
completed second fiscal quarter.

Not Applicable.


Indicate by check mark whether the registrant has filed all documents
and reports required to be filed by Section 12, 13 or 15(d) of the
Securities Exchange Act of 1934 subsequent to the distribution of
securities under a plan confirmed by a court.

Not applicable.

Indicate the number of shares outstanding of each of the registrant's
classes of common stock, as of December 31, 2007.

Not applicable.




                      DOCUMENTS INCORPORATED BY REFERENCE

List hereunder the following documents if incorporated by reference and
the Part of the Form 10-K (e.g., Part I, Part II, etc.) into which the
document is incorporated:  (1)Any annual report to security holders;
(2) Any proxy or information statement; and (3)Any prospectus filed
pursuant to Rule 424(b) or (c) under the Securities Act of 1933.  The
listed documents should be clearly described for identification
purposes (e.g., annual report to security holders for fiscal year ended
December 24, 1980).

None.


                                    PART I


Item 1. Business.

Omitted.


Item 1A. Risk Factors.

Omitted.


Item 1B. Unresolved Staff Comments.

Omitted.


Item 2. Properties.

Omitted.


Item 3. Legal Proceedings.

Omitted.


Item 4. Submission of Matters to a Vote of Security Holders.

Omitted.



                                    PART II

Item 5. Market for Registrant's Common Equity, Related Stockholder Matters
and Issuer Purchases of Equity Securities.

No established public trading market for the Certificates exist.  There
are approximately 49 holders of record as of the end of the reporting
year


Item 6. Selected Financial Data.

Omitted.


Item 7. Management's Discussion and Analysis of Financial Condition and
Results of Operation.

Omitted.


Item 7A. Quantitative and Qualitative Disclosures About Market Risk.

Omitted.


Item 8. Financial Statements and Supplementary Data.

Omitted.


Item 9. Changes in and Disagreements With Accountants on Accounting and
Financial Disclosure.

Omitted.


Item 9A. Controls and Procedures.

Omitted.


Item 9A(T). Controls and Procedures.

Omitted.


Item 9B. Other Information.

None.


                                     PART III

Item 10. Directors, Executive Officers and Corporate.

Omitted.


Item 11. Executive Compensation.

Omitted.


Item 12. Security Ownership of Certain Beneficial Owners and Management and
Related Stockholder Matters.

Omitted.


Item 13. Certain Relationships and Related Transactions, and Director
Independence.

Omitted.


Item 14. Principal Accounting Fees and Services.

Omitted.


                              PART IV
        ADDITIONAL ITEMS required by General Instruction J


Item 1112(b) of Regulation AB. Significant Obligor Financial Information

No single obligor represents 10% or more of the pool assets held by the
issuing entity.



Item 1114(b)(2) of Regulation AB. Significant Enhancement
Provider Financial Information.

No entity or group of affiliated entities provides any external credit
support enhancement or other support for the certificates within this
transaction as described under Item 1114(a) of Regulation AB.


Item 1115(b) of Regulation AB.  Certain Derivatives Instruments. (Financial
Information).

Citibank, N.A. provides an interest rate swap agreement for the trust as
disclosed in the 424(b)(5) prospectus supplement.  No additional disclosure
is necessary because the significance percentage for the interest rate swap
provider is less than 10%.



Item 1117 of Regulation AB.  Legal Proceedings.

Legal Proceedings Related to the Depositor and the Issuing Entity

On March 19, 2008, a complaint was filed with the Supreme Court of the State
of New york, County of Nassau, against Citigroup Mortgage Loan Trust
2007-WFHE2 and the Depositor by the City of Ann Arbor Employees' Retirement
System, individually and on behalf of all other similarly situated.  The
complaint alleges violations of Section 11 of the Securities Act of 1933 based
on various omissions and misstatements in the Registration Statement, the
Prospectus and the Prospectus Supplement with respect to the mortgage loans
underlying the transaction.


Item 1119 of Regulation AB.  Affiliation and Certain Relationships and
Related Transactions.

The information regarding this item has been previously filed in a 424(b)(5)
filing dated October 31, 2007.


Item 1122 of Regulation AB.  Compliance with Applicable Servicing Criteria.

    Citibank, N.A. instances of material non compliance (See item 15 exhibits
    (33)(a) and (34)(a)):


    1122(d)(2)(i) Payments on pool assets are deposited into the appropriate
    custodial bank accounts and related bank clearing accounts no more than
    two business days following receipt, or such other number of days specified
    in the transaction agreements.  With respect to certain transactions for
    which the transaction documents require that funds be deposited into the
    custodial bank accounts on the day funds are received by the Company, funds
    were not deposited to the custodial bank accounts in accordance with the
    terms of the transaction documents.  In a sample of selected payments on
    pool assets received by the Company, this finding was identified once.  In
    that instance, the funds received were deposited into the specified
    custodial account on the day after the day they were received.  As the
    one-day delay only impacted investment income to which the Company was
    entitled as compensation for its services as securities administrator,
    management believes that the delay did not affect the amount of any
    payments to any security holder or to any transaction party other than the
    Company.

    1122(d)(3)(ii) Amounts due to investors are allocated and remitted in
    accordance with timeframes, distribution priority and other terms set
    forth in the transaction agreements.  With respect to certain remittances
    during the reporting period, amounts due to investors were allocated and
    remitted in accordance with distribution priority and other terms set
    forth in the transaction agreements, but were not paid timely to
    investors.



Item 1123 of Regulation AB, Servicer Compliance Statement.

    See item 15 exhibit (35)



Item 15. Exhibits, Financial Statement Schedules.

  (a) Exhibits

      (4)   Pooling and Servicing Agreement dated as of March 1, 2007
            among Citigroup Mortgage Loan Trust, Inc., as Depositor,
            Citibank, N.A., as Trust Administrator, U.S. Bank National
            Association, as Trustee, Wells Fargo Bank, N.A. as Servicer
            (incorporated herein by reference from Exhibit 4.1 of the
            Current Report on Form 8-K of the registrant, as filed with
            the Commission on April 27, 2007).

      (10)  Incorporated by reference as Exhibit (4).

      (31)  302 Sarbanes-Oxley Certification.

      (33)  Item 1122(a) Reports on assessment of compliance with
            servicing criteria for asset backed securities.
            (a)  Citibank, N.A., as Trust Adminstrator
            (b)  Wells Fargo Bank, N.A., as Custodian
            (c)  Wells Fargo Bank, N.A., as Servicer

      (34)  Item 1122(b) Attestation Report on Assessment of Compliance
            with Servicing Criteria for Asset Backed Securities.
            (a)  Citibank, N.A., as Trust Adminstrator
            (b)  Wells Fargo Bank, N.A., as Custodian
            (c)  Wells Fargo Bank, N.A., as Servicer

      (35)  Servicer Compliance Statement.
            (a)  Wells Fargo Bank, N.A., as Servicer


  (b) The exhibits filed in response to Item 601 of Regulation S-K are listed
      in the Exhibit Index above.

  (c) Not Applicable.









                                    SIGNATURES


Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, the registrant has duly caused this report to be signed on its
behalf by the undersigned, thereunto duly authorized.

(Registrant)     Citigroup Mortgage Loan Trust Inc.
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By /s/ Susan Mills
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       Susan Mills
       Vice President (Senior officer in charge of securitization of the
       Depositor)




Date   March 28, 2008
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