Patent ID: 8612358

Claim:
A non-transitory computer-readable storage medium comprising instructions which, when executed by a computing platform connected to a data processor and at least one database, perform a method comprising: receiving, by the data processor from the at least one database through a network communication channel, an indication of current distress for a property for which there is a corresponding existing loan; receiving, by the data processor through the network communication channel, first data including an estimate of value for the property; receiving, by the data processor through the network communication channel, second data including an outstanding mortgage balance for the corresponding existing loan, the second data being different from the first data; selecting, using the data processor, one of a first model stored in the at least one database when the indication of current distress for the property includes a foreclosure status or a second model stored in the at least one database when the indication of current distress indicates that one or more payments for the existing loan are overdue; calculating, using the data processor and based on the selected first or second model retrieved from the at least one database, an adjustment to the estimate of value, the selected first or second model accounting for the first data including the estimate of value for the property and the second data including the outstanding mortgage balance, the calculating including altering the adjustment based on the indication of current distress; providing, through the network communication channel, the adjustment to store in the database; and determining, using the data processor, when the indication of current distress indicates that one or more payments for the existing loan are overdue, whether to modify one or more terms of the existing loan based on the adjustment.