LOAN MODIFICATION Hardship letter - IS IT RIGHT FOR ME? Free 60 Minute Loan Modification info CD br br As indicated in the summary table below, the FDIC’s Loan Modification Program is primarily based onbr two principals:br 1) Determining a payment the borrower can afford by multiplying the borrower’s gross monthlybr income times the appropriate housing-to-income (HTI) ratio, less taxes and insurance to achieve abr minimum payment reduction of 10 percent, andbr 2) Protecting investors’ interests by requiring that the cost of the modification is less than thebr estimated cost of foreclosure (the Net Present Value (NPV) floor).