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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 it’s generated, which should be enough time to receive approval from your lender or servicer.

Once you’ve provided us with the required information about you, your property and your mortgage, you’ll receive your copy via E-mail as a PDF file no later than the following business day.


1) Your REST Report that shows the Net Present Value of various loan workout options including a HAMP loan modification, along with interest rates, monthly payments, and loan terms. Your Report will show your lender or servicer whether it’s in the best financial interests of the investor that owns your loan to modify it. Click here to view a sample Report.

2) A phone consultation with one of our trained representatives who will help make sure the right information goes into your report, and that you understand what your Report shows, and how you can use it to improve your chances of being granted a modification.

3) Access to additional valuable content designed to help you apply for a loan modification on your own, including:

  • A Loan Modification Submission Checklist.
  • Access to proprietary lender modification application forms.
  • Contact information for loss mitigation departments at all major lenders and servicers.
  • Glossary of Terms that helps you become familiar with the vernacular used when applying for a loan modification or short sale, etc.



First, contact us to receive a "Checklist" and collect the documents listed. It’s very important that you provide us with accurate information, so the system can generate an accurate Report.


Once you have gathered all of your documentation, you then need to compete the REST Report questionnaire that is provided with the checklist.


After you’ve completed the questionnaire, a counselor will verify your information, answer any questions you may have, and request payment for your REST Report. You’ll receive your Report via E-mail as a PDF file usually the next business day, but always within 48 hours.

Equity Home Loans
E-Mail: dennis@equityhl.com | Phone: (909) 336-1104

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