CheckMyNPV.com Quick Start Guide

Here is a Link to the Quick Start Guide

Answer NPV stands for net present value, a calculation which indicates how much an investment, such as a bond or a mortgage, is worth today. If investors are faced with multiple choices for investments, they generally prefer the investment with the higher calculated NPV. When deciding whether to modify a mortgage, investors will choose the option with the higher NPV, either the mortgage modified or left "as is." For the HAMP program, servicers compare the NPV of the mortgage with a HAMP modification to that of the mortgage left "as is." If the NPV with the modification is higher than, or within a specified range of, the NPV of the mortgage without the HAMP modification, HAMP servicers are required to provide the HAMP modification for eligible mortgages (subject to investor restrictions.)

Need more information about NPV?

Please remember that the result of your mortgage’s NPV evaluation is one of several factors that determine whether you qualify for a HAMP modification. For more information, review Eligibility Criteria available on the Making Home Affordable web site. Also, for more information about investors’ restrictions and participation in HAMP, please see FAQ below "What should I do if my mortgage servicer tells me that the investor is not participating in the Making Home Affordable Program?"
Call Roger at 949-365-6585

What is CheckmyNPV.com

CheckMyNPV.com is a free tool provided by the United States Department of the Treasury, and the Department of Housing and Urban Development in conjunction with the Obama Administration's Making Home Affordable Program.

CheckMyNPV.com is designed to assist homeowners in conducting a net present value (NPV) evaluation of their mortgage for the Home Affordable Modification Program (HAMP).

CheckMyNPV.com can be used by homeowners who have been denied a HAMP modification because of their NPV result. Homeowners can enter the NPV input values listed in the HAMP Non-Approval Notice received from their mortgage servicer, or substitute with estimated NPV input values, to compare the outcome provided by CheckMyNPV.com against that on the Non-Approval Notice.

This tool can also be used by homeowners prior to applying for a HAMP modification to help them better understand the NPV evaluation.

CheckMyNPV.com provides only an estimate of a mortgage servicer’s NPV evaluation. While the NPV formula used on CheckMyNPV.com is required to be the same as that of your mortgage servicer’s, differences in input data and other industry-related data may result in different outputs. After using CheckMyNPV.com, it is recommended that you save a copy of the evaluation and share it with your mortgage servicer to discuss options available to you.


Call Roger at 949-365-6585

CheckmyNPV.com Homeowner FAQ's

IMPORTANT NOTICE Regina Realty is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change, modify or mitigate your loan. If you stop paying your mortgage, you could lose your home and damage your credit rating.  Real Estate Broker licensed by the California Department of Real Estate License # 01885944.