Wall Street does not have the right to pick and choose who receives a lower interest rate or principal reduction based on the homeowners "affordability" when negative equity is the reason why modifications are issued.  The Negative Equity Streamlined Uniform Modification System provides servicers and investors with the ability to proactively use its product and services in offering the same financial benefit aka "modification" to every current and delinquent negative equity homeowner to remain a negative equity homeowner avoiding the investors negative equity losses before massive class action law suits occur harming homeowners and the economy further.   

General statement of facts: no homeowner was entitled to a modification until Wall Street change the rules to modify homeowners avoiding the investors guaranteed negative equity loss then because of existing laws all negative equity homeowners became entitled to a similar financial incentive from the change in the standardized mortgage clause and operating policy of modifying negative equity homeowners instead of foreclosing. Because of the lies of the financial industry all equity homeowners who are struggling are became entitled to a temporary modification, see the rules page. The unintended consequence of modifying over 3.5 million negative equity homeowners to avoid the investors guaranteed negative equity loss created a legal precedent entitling all negative equity homeowners to a similar financial advantage because it is "right" thing to do and the law of the land.  

To encourage all negative equity homeowners to remain in a losing financial situation while still remaining responsible for their outstanding mortgage balance, the Negative Equity Streamlined Uniform Modification System will offer the same financial incentive to all negative equity homeowners regardless of their affordability status for a limited time before the capitalist rule of don't pay be foreclosed on returns.

All negative equity homeowners will be entitled to the same financial advantage of a below market fixed interest rate of 3.5% for the entire 30 year term with the additional exclusive bonus of a sliding scale matched equity pay down to offset the homeowners negative equity loss. There are no principal reductions for any homeowner, it is a shared financial loss with one set of clear concise and transparent rules and guidelines, (attached) that will be used by all participating mortgage holders as a "National Standard Servicer Guideline for Negative Equity Modifications" via each servicers individual customized outsourced web site of the Negative Equity Streamlined Uniform Modification System removing any potential or inherent conflict of interests.       

One of the unintended consequences of utilizing the Negative Equity Streamlined Uniform Modification System is that it naturally creates a taxpayer free stimulus of six billion dollars each and every month from the increased disposable incomes of the modified homeowners aiding in the stabilization of sustainable and affordable housing payments and values for existing and potential future homeowners that revitalizes our economy with long term economic stability by returning the losses to their rightful capitalistic parties. 

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