Denied For HAMP Because You Failed NPV Calculations – What is NPV Test? By: Anna Cuevas; The Loan Mod Guru Where you told that you were denied for the HAMP Loan Modification because you failed the NPV calculator and you are wondering what that means? If the borrower is not approved for a HAMP modification because the transaction failed the NPV calculations, then the servicer must, explain what the NPV means tell you the factors used to make the NPV decision and advise you that you may request the values used in making the... read full review »