Find Out Your Mortgage Modification, Short Sale and Foreclosure NPVs
The "REST Report Matters Loan Disposition Analysis Tool Kit"featuring NPV version 5.0 allows homeowners to know with certainty, whether they qualify for several types of loan modifications such as the Home Affordable Modification Program (HAMP), other types of commonly issued loan modifications, and precise short sale terms acceptable for their unique loan.
It also let's homeowners know what the terms of the modification or short sale would be, BEFORE they apply, AFTER they have applied, or if they have been DENIED, so they can update their modification or short sale application if they are waiting for a decision, or appeal the denial of a modification or short sale with concrete reasons how they should be modified or allowed to short sale.
Its not necessary for the modification or short sale process to be costly, stressful and/or time consuming process if you have the knowledege of the REST Report Matters Loan Disposition Analysis Tool Kit.
We offer two different tool kits depending on your situation and that run between $595.00 to $1,495.00 and we can also transmit your results to your advocate of choice to perform the loan modification service without an upfront fee for you.
Our analysis is conducted using the US Treasury developed "NPV" (net present value) analytics for the Making Home Affordable, Home Affordable Modification Program as well as bank/servicer/investor "in house" loan modificaiton, and is built on the same software platform used by the nations largest servicers, banks and hedge funds to determine your mathematical qualification for modification, short sale or foreclosure as well as the net present value of your mortgage loan under different interest rates and terms.
With the new Principal Reduction Alternative program (Fannie Mae and Freddie Mac do not participate in forgiveness but do provide forbearance of principal), up to 4 different loan modification options are now calculated and presented and compared to Short Sale Net Present Value as well as the Foreclosure "liquidation" Net Present Value.
What is a REST Report Matters?
Consider this: Every single person that has applied for a loan modification or short sale has done it the exact same way. They've sent in information about themselves. Their hardship letter, their paycheck stubs, their tax returns, their application... all things that paint a picture that they hope the bank will view as being qualified for a loan modification or short sale.
Mortgage servicers are companies that are hired by investors to "service" mortgages they own. The servicers all work under a contract called a "Pooling and Servicing Agreement," or PSA. And all PSAs require servicers to make decisions related to the loans they are servicing in the best interests of the investors for whom they work.
So, when you submit a REST Report Matters Loan Disposition Analysis Tool Kit to your lender or servicer, they don't just receive information about you, they also receive an analysis of the financial impact to investors of the alternatives to foreclosure compared with the cost of foreclosing on your property.
If the net present value analysis shows that investors would be better off modifying or short selling than foreclosing, we're seeing servicers responding to the report, and offering to modify or short sell loans in more cases than we expected.
It's not that we believe that a servicer would accept the analysis shown in the REST Report Matters Loan Disposition Analysis Tool Kit at face value, they most certainly would not. But we do know that when they verify the report's conclusions using their own internal systems, they will find the REST Report Matters Loan Disposition Analysis Tool Kitfinancial analysis to be accurate.
Does that mean that submitting an application for a loan modification or short sale along with the REST Report guarantees anything?
No, no one can guarantee anyone that a lender or servicer will modify a loan or allow short sale, at the end of the day, both participation in HAMP, and their willingness to modify a mortgage or allow short sale internally, is strictly voluntary. And as anyone in the banking industry will readily tell you... banks only modify loans when it's in their own best financial interest to do so.
And that, ladies and gentlemen, is precisely the point of the REST Report Matters Loan Disposition Analysis Tool Kit.