HAMP Loan Modification - Understanding Net Present Value

While the Home Affordable Modification Program (HAMP) was designed to help up to 4 million homeowners facing financial hardship and in danger of losing their homes, only 10 to 15% of those homeowners have been approved through the program. To get approved for your HAMP loan modification, you need to understand what lenders consider the Net Present Value of your loan, and what that means for your chances of approval.

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