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After you’ve purchased your REST Report, you will receive an E-mail containing your USER NAME and PASSWORD that will allow you unlimited access to our proprietary Education Center and Knowledge Library.
When you login, you will be redirected to our home page where you will have access to a second navigation bar containing educational tools and resources that are only available to homeowners who have purchased a REST Report.
In our Knowledge Library you will find everything you need to know about preparing your lender ready package for submission, how to negotiate, possible outcomes, and a myriad of self-help content and training videos. You will receive your login and password via email once you pay for your report.
Please go to the “Request Report” page to purchase your report.
There's Only One R.E.S.T. Report
The R.E.S.T. Report is the only source for finding out for sure whether you qualify for a HAMP loan modification or not… before you apply. Using your information, the system generates a report you can rely on to tell you if you pass HAMP’s NPV test, as required by the U.S. Treasury.
The REST platform is a version of the same software used by major banks and servicers to determine HAMP eligibility, so its accurate and up-to-date at all times. Homeowners use the report by sending it to their bank, along with supporting documentation required when applying for a loan modification per the HAMP guidelines. The report is valid for 90 days from the date its generated, which should be enough time to receive approval from your lender or servicer.
What is a Hardship?
Lenders and servicers require a verifiable hardship before you will be eligible for a loan modification. Acceptable hardships include: job loss, reduction in pay, medical issues, death of family member, divorce, or interest rate reset. The important point is that you must be able to demonstrate to the lender how your hardship has impacted your ability to make your loan payments.
Signed Tax Returns
Lenders also require signed tax returns for the last two years, both personal and business, if applicable. Make sure the copies of returns you submit are signed and include all schedules. You will also have to sign a 4506-T form so that your lender may request copies of your tax returns from the IRS. You can find the form here: FORM 4506-T
