There is a “secret formula” which is determining whether you are eligible for HAMP (Home Affordable Modification Program) loan modification. It is called the NPV-the “net present value”. What is this formula? I found two descriptions: Description #1: This first is a brief description from the “Frequently Asked Questions” portion of a government document: “Apply … Continue reading HAMP modifications part 1 of 7: NPV, the “secret formula” that determines your eligibility