Noah Katz

To gain access to the “Certified” NPV spreadsheets and federal data feeds used to create this NPV test, one needs to be a lender or certified to do so. To become certified, stringent background, educational, and financial requirements keep 99.9% of companies from being able to prove your clients should be approved for their Lowest Modified Payments.   

Our access to the “certified” NPV test is the exact same Federally Certified Subsidy Spreadsheet every lender is required to use – in order to collect their portion of the federal subsidy.  We calculate the exact subsidy the lender will receive. Proving your client qualifies for the Lowest Modified Payment – And by using our fully documented, “Ready-For-Approval” case file – You can help create the same pressure the US Treasury is applying to the lenders – Forcing the lenders to approve the Lowest Modified Payment or the lowest Short Sale price available. 

If your client does not fit into a traditional Modification program and they prefer to keep their house, we also offer a Forensic Audit of their mortgage which searches for all violations against the lender. When violations are found, these are documented with laws and statutes cited, thus allowing you the leverage to perform a “Strong Arm” Modification.

Having either of our fully documented case files in hand puts you in the driver seat when your negotiation process begins.

Let File Reviews do your due diligence for you, “providing ready to submit” documents and applications, so that you can spend more time negotiating better terms for your clients