As a busy bankruptcy law firm focusing on solutions for mortgage issues, we were well aware of the 2012 changes in the HAMP programs, as well as the implications of the National Mortgage Settlement. We were already faced with the challenges of providing accurate and critical data when facing opposing counsel in court, and the new programs only added layers of complexity. We are just loving the REST Report! We've had several approvals come back within 30 days of hitting U/W status and few files (previously declined) where the approval came back within 30 days of resubmitting the whole file! Can't say enough great things about the report. I even got an approval on an FHA file where the home owner was 20 months past due. Thank you for making this invaluable resource available to us.
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#380127 Review #380127 is a subjective opinion of poster.

REST REPORT is a rip off

The REST REPORT is a huge rip off. They charge between $700-**** for a report called a NPV report. Supposedly, this report will tell you if your mortgage company will modify your loan. It is a FRAUD. Anyone can do this themselves in 5 easy steps and save the $700-****. Also, the people who are involved in this are quite dubious. Moe Bedard, recently out of prison and runs a blog Martin Andelman, a true shyster and Brian Colombana, a disbarred California attorney. Save your money and avoid these frauds at all costs!!!!!! Report all issues with these people to the California Attorney Generals Office.
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I went through a company in California that used the REST report to help me get a modification on my loan. They were fantastic and I think the REST report helped get me a lower payment and in my case a principal reduction on my loan.

So I highly recommend the report. It sure helped in my situation.



I work for an attorney and last year obtained 90% success rate with the modifications I did.

I never accept a client unless they run a npv report.

it is a waste of both my time and the clients time to submit a mod file that will not be approved.

If you think about it the typical mortgage in our area is at least $400,000.

To pay $1100 for a npv report that helps you keep your home is not bad.

I have assisted homeowners who tried to modify on their own but were denied. Luckily I was able to help them get all of their documents filled out correctly and get them approved.

A person can try to run their own NPV report but the REST Report has analytics the lender uses. It also tells you what type of mod you meet the criteria for. You can save $1100 and guess or you can have someone who knows what they are doing help you.

also Martin Andelman does not work for the REST Firm, he only told people about it. JoAnna Jensen jensenair@***.com


the rest report is totally useless to the end user. i suggest contacting the arms corporation have a team of real estate and legal professionals that make best use of the rest report among other tools to assist you in using automated software to prepare, print out, and submit your loan modification.using this method, you can accurately predict to within 100%, the success of your loan mod. money back guarantee.Ph 855-228-****"We Reach Out to Embrace Your Needs"


We have used the REST Report to assist many of our clients obtain a loan modification. In fact my personal loan with B of A was 12 months late and I tried on several occasions to get modified with out success.

I ran a Rest Report on my scenario and found I was $12 off from being qualified. I resubmitted my application with the Report and am happy to say that I am now modified and my payment was cut by 60% and I received a principle reduction of $238,000.

I could not be happier with the results, and think I was just $12 off and the bank would not tell me. If you are trying to modify I would not attempt it without a Rest Report.


The rest report is a very good tool when used properly. The report is only as good as the information entered.

Who ever is doing your report should also be doing a bank call to get exact numbers along with getting proof of the numbers you are providing such as pay stubs, bank statements... No one can guarantee your outcome not even with a rest report. However with a good report run will dramatically increase your chances. If you need help or a little free advice contact me five/six/one/nine/zero/eight/three/four/zero/four.

This whole process of saving ones home is not a walk in the park.

attempting to do so on ones own normally ends in failure.




There is a new documentation service in the loan modifiication field which prepares the homeowners loan modification worksheets reflecting their current income, expenses, cash flow as well as their other qualifications and the new modified rate/term per HAMP Guidelines.

It is very detailed with all the ratios and information that a lenders underwriter will need to approve the transaction. will work closely with the homeowner on the phone and take the Homeowners application in the beginning as well as structure the information for an approval by the lender. Everyone is given the personal touch with a live person who really cares and is skilled in the loan moodification field.

Additionally, the system is designed by an underwriter. It allows the client or, the clients representative (Lawyer) to call in an application over the phone. Or, they can download the application from website and email it in for processing.

Upon review and completion of the application process, the final documentation with all the financial worksheets will be developed and emailed to the client for submission to the lenders underwriter, for approval.

The system is very accurate and takes into consideration all the waterfall steps of the HAMP Guidelines and, is designed to insure the necessary income or, expenses for an approval with the lender. This is a very big help to homeowner because it shows them exactly what income/expenses they need to be approved. could be compared to the REST Report because, it does show if it will be a PASS or FAIL with the lender per federal guidelines However, it goes beyond that because it shows the details of the borrowers financial condition with all the current/proposed ratios and cash flow for the underwriter to approve.

We are writing you this letter to establish that there is more than just the "REST Report" to help homeowners get approved for a loan modification and the cost of LoanDocService is very reasonable with professional help during the process to insure homeowners qualify. service is proven to be very successful to help get homeowners approved for a loan modification as well as supply lenders with the solid financial documentation they need to underwrite more effectively.

In-short, service works with you and documents the transaction to insure it meet guidelines and is approval by the lender.

However, the homeowners will need to show the proof of income and expenses represented in the financial documentation to get the loan modification formally approved with the lender.



All you say above may be true...but You assume that folks a)want to learn how to help themselves and b) have the time available to get educated.

Most people these days are looking for a fast fix, with no effort, no money and completely done by someone else - Usually for FREE.

It's not about the REST Report-It's about them when it "doesn't work". My experience is 100% success with more than 100 completed.

My knowledge/experience fees are VERY high. The REST is VERY affordable.


No one can guarantee you a mod - and if they do - RUN ! FAST !

The REST is full of the bullets needed to arm you with facts to fire your negotiation gun. If you do not know how to use the banker's own info to negotiate a loan mod (or short sale) find (and pay) someone who does. It will be money well spent.

If you don't know how and won't pay an expert who does...well it's kinda like operating on yourself when you're not a doctor.!


So is it a rip off?

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#219350 Review #219350 is a subjective opinion of poster.
Houston, Texas

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