HI huz715,
Welcome to the forum and thank you for joining........
The NPV test is for the investors..........it isn't a test that we would have the information to figure that out on each loan, as it has to do with loan performance before and after a modification..........the investor will be performing the test on loans that are in default to determine whether it is in their best interest financially to modify or seek alternative means such as short sale, deed in lieu, or foreclosure.
A standard NPV Test will be required on each loan that is in Imminent Default or is at least 60 days delinquent under the MBA delinquency calculation. This NPV Test will compare the net present value (NPV) of cash flows expected from a modification to the net present value of cash flows expected in the absence of modification.
If you are trying to begin the modification process with
CW...........you would need to contact them to see what the options are from the investor on your loan................
CW Home Retention
1-800-669-0102