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"Arm Yourself
With the REST
of the FACTS"

Watch This Video

  
Mortgage servicers must use PSA (known as Pooling and Servicing Agreements) guidelines and rules when attempting a HAMP modification. The Rest Report also follows such guidelines to determine your eligibility for HAMP modification purposes.

The REST loan disposition analysis system runs proprietary algorithms, NPV analytics, accesses numerous property valuation databases, and produces a Report that shows your lender or servicer the best financial outcome for the investor.

This could be a modification under the government’s HAMP program or conventional in house modification program, or it could be that you don’t qualify for a modification at all. Upon such scenario the Rest Report will also show you alternative options available such as short sale, or HAFA, (home affordable foreclosure alternative).

Your REST Report will tell you whether it is in your lender’s financial interest to modify your loan by calculating the Net Present Value of a modification as compared to other foreclosure options. You will then be able to make a more informed decision about the best course of action for you and your family. Ask To See A Sample Report. 
 

Facts About Your Customized REST Report…

1 If the REST Report shows whether it is in the financial best interest of your investor to modify the loan and assuming you meet HAMP or in house modification guidelines, you should be able to get your loan modified.

2 With the REST Report, If your lender or servicer should incorrectly deny your HAMP modification, you will be armed with the facts that will provide a basis for appealing that decision.

3 In some cases, borrowers have decided that a modification is not the best option, and have decided to short sell, or sign a deed in lieu of foreclosure. The REST Report gives a detailed Net Present Value (NPV) analysis of your situation related to a Short Sale.

4 If your State offers a foreclosure mediation process, the REST Report is a powerful tool when used by you or your attorney to present your case to the State’s assigned mediator.

Loan Modification Pre-Qualification -  More Info>>>

The primary purpose of loan modifications is to assist distressed borrowers who are unable to meet their mortgage obligations. Therefore, a loan modification, as opposed to a refinancing, enables the service company to change the terms of a loan to better enable the borrower to stay current or cure a loan without retiring the existing loan. Loans can be modified by extending the amortization terms, adding balloon payments, decreasing the mortgage rates, forgiving principal or interest payments, and extending the fixed-rate period of a hybrid ARM loan, among other things.

This means the lender will make changes to the original loan. Those can be changes to your interest rate, payment schedule, loan balance, late charges, length of loan, pre-payment penalties, the handling of past-due payments, and the like. You do not have to be behind in payments to negotiate a Loan Modification

Get more information by clicking the More Info. link below. You will be connected to a loss mitigation counselor for loan modification consideration in order to help you stay in your home at a payment you can afford!

Loan Modification Pre-Qualification -  More Info>>>

How to Order & Use the REST Report

	First, you order and pay for your REST Report ONLINE OR our trained specialists can enter information about you and your mortgage MANUALLY. Once the form is complete you will receive your REST Report by Email within a few hours and a hard copy of the report by Mail within a few days.
	The REST Report shows whether it is in the financial best interest for your investor to modify your loan, and it tells you whether you should qualify for a modification under HAMP. If you do qualify for HAMP modification, it will show what the terms of that modification will be. And if the Report shows that you don’t qualify, for HAMP, it will show you why you don’t.
	Even if you don’t qualify for a HAMP modification, it doesn’t mean you can’t get your loan modified. Most lenders and servicers offer in house modifications, and in fact, far more in-house modifications have been granted than modifications under HAMP. The REST Report will also analyze whether or not it is in the financial best interest of the lender to grant you an in house modification, and identify several in house modification alternatives.
	The Report also qualifies homeowners for HAFA Short Sales, and shows the NPV, or Net Present Value, of other foreclosure alternatives.
	Once you receive your Report, one of our trained specialists will review what the Report shows, so you’ll know what it means. Once armed with the Report and the knowledge of your options that comes along with it, you can start making smarter decisions right away. Why would anyone want to go through the modification process without it?

BENEFITS

The REST Report empowers homeowners to make informed decisions. This valuable tool:

• Provides empirical evidence whether you qualify for a HAMP modification.
• Tells you if you qualify for HAMP before you spend time and money in a trial modification.
• Provides you with information about alternative programs.
• Accounts for your current information in the report.
• Illustrates if you pass HAMP’s Net Present Value (NPV) test, a test that is required by the U.S. Treasury.
• Lets you see what options are worth pursuing, including:
• In-house modification program
• Short sale
• Deed-in-lieu
• And more!
• Runs a variation of the same software used by banks, lenders and servicers to evaluate HAMP eligibility. Is based on up-to-date data.
• Is valid for 90 days from the date of creation.
• Shows the Net Present Value (“NPV”) for in-house modification programs at various banks.