Loan Modification & the Comprehensive Homeowner Financial Recovery Program -- The New Paradigm

``We at LFI Analytics continued to monitor HAMP and other modification efforts over the last 18 months. Further analysis was undertaken to determine why modifications failed and how to improve the process. In doing so, we discovered numerous fundamental flaws in the modification process... The key element for default risk determination is the "LDR Score," (the "Loan Default Risk Score"), to determine default risk of individual loans.''