What is the REST Report

The REST REPORT is an impartial, third-party analysis tool. It takes your current loan information, property information and financial situation into account and then runs that data against various loan disposition models, or analytics. The REST REPORT is going to show you, the homeowner what you qualify for, or if you don't qualify, it's going to tell you why. Not only does it shed light on your situation but it gives the firm you are working with a huge advantage compared to someone without the report. Without the REST Report what do you have? Nothing is the answer.

The bank knows everything about you, but you know nothing about the bank and how they may in fact benefit by providing you with an alternative to foreclosure. In most cases the investor would in fact come out on top by helping rather than the alternative which is foreclosure.

·  How much more income (if any) would you need to qualify for a loan adjustment?

·  Might you qualify for a government loan program where you could realize a lower monthly payment?

·  What if the bank would extend the term of your loan to 40 years or lower your interest rate or reduce some of the principal that you owe? Would that work for you, as well as for your bank?

·  If a loan refinance is unlikely, perhaps a Short Sale is a better option for you. How much would you most likely have to sell the home for? What would reasonable transaction fees be?

The REST Report will analyze multiple loan disposition options and present the results. It proposes the optimal win-win solution, striking a balance between what is most affordable to you as a borrower while still providing the lender with the highest possible return on their investment which is known as being NPV Positive.

How can I get the REST Report?

We obviously believe that MARS compliant institutions that utilize the REST Report provide a significant advantage:

·  Licensees can simply enter in your pertinent information and the system will quickly DERIVE terms that work for both you and your lender, - there's no guesswork involved. It's imperative to know early in the process what may or may not work.

·  The REST REPORT doesn't just evaluate one model, - it analyzes multiple models simultaneously: Government loan adjustment programs (such as HAMP), other proprietary programs, Short Sale options and foreclosure.

·  The REST REPORT will evaluate the different scenarios in ways that the financial institutions typically perform their own calculations, determining the Net Present Values (NPV) of each option and then comparing them to one another. REST Licensees have this significant information readily available whenever they communicate with a lender or servicer.

·  If there is a discrepancy between the numbers that the servicer used when evaluating a potential loan adjustment and what was supplied to the REST REPORT for analysis, the system allows for using Investor/Servicer overrides to exactly mirror the inputs and/or reconcile any discrepancies.

·  Many of the REST Licensees already have significant histories of using and submitting REST REPORTS. They also have established relationships with servicers and lenders who expect their loan adjustment packages to be submitted in a certain way, - including the REST REPORT.