Your NPV Spreadsheet
You should preview your example of the NPV (Net Present Value) cash-flow analysis spreadsheet posted above.
This example proves to the lender they are facing an expected foreclosure loss of $123,835 - And a $61,190 US Treasury credit for approving your modification request AT YOUR TERMS. (At an out-of-pocket cost to the lender of only $7309)
As a side note - Please print it and ask any of the salespeople at a typical modification company to explain how this works. They simply won't have a clue - And they are supposed to be representing your best interests?
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