Your exact loan modification or short sale terms - now in 24-48 hours
The REST Report from REST Report Matters 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 from REST Report Matters. Our analysis is conducted using the US Treasury developed "NPV" (net present value) analytics for HAMP, and is built on the same software platform used by the nations largest lenders and banks to determine your mathematical qualification for modification, short sale or foreclosure.
What is the REST Report?
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.
REST REPORT MATTERS BY "MANDELMAN"
Reporting on Ongoing Outcomes Using the REST Report
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Utah Foreclosure News is Based on Garbage Stats
Utah Foreclosure News is Based on Garbage Stats
In Utah, foreclosures in March were up 74 percent over February. In New Jersey, foreclosures in in April were up 72 percent over March. In Tampa and Chicago, foreclosures in February were up 64 and 43 percent over January, respectively.[…]
Source: Mandelman Matters
Created on: 18 May 2012 | 7:43 am
Mandelman Matters | 18 May 2012 | 7:43 am -
Foreclosure crisis now includes “Irresponsible Churches”
Foreclosure crisis now includes “Irresponsible Churches”
According real estate information company CoStar Group, as of March of this year, 270 churches have been sold after defaulting on their loans. In 2011 alone, banks sold off 138 churches, and that compared with just 24 such sales in[…]
Source: Mandelman Matters
Created on: 18 May 2012 | 5:09 am
Mandelman Matters | 18 May 2012 | 5:09 am -
CALIFORNIA Foreclosure Help from Mandelman Matters – START HERE
CALIFORNIA Foreclosure Help from Mandelman Matters – START HERE
You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in California.
On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of California related[…]
Source: Mandelman Matters
Created on: 17 May 2012 | 11:06 am
Mandelman Matters | 17 May 2012 | 11:06 am -
State of California Foreclosure Resource Links
State of California Foreclosure Resource Links
This Page Sponsored By…
Gordon F. Dickson, Chairman & Senior Partner &
Deborah P. Gutierrez, Managing Partner
PROSPER LAW – The Homeowner’s Law Firm
6100 Center Drive, Suite 1050
Los Angeles, CA 90045
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Telephone: 310.893.6200
Toll Free: 800.808.9798
Facsimile: 800.808.0428[…]
Source: Mandelman Matters
Created on: 17 May 2012 | 11:01 am
Mandelman Matters | 17 May 2012 | 11:01 am -
California Foreclosure Laws
California Foreclosure Laws
CLICK BELOW FOR:
State of California Foreclosure Laws
The link above will take you to the page dedicated to California’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by reading[…]
Source: Mandelman Matters
Created on: 17 May 2012 | 11:00 am
Mandelman Matters | 17 May 2012 | 11:00 am
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 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 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's financial 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.












