Patent ID: 8380619

Claim:
A computer implemented method, executed by a computer system having a computer processor, for automatically modifying the terms of a plurality of mortgages within a portfolio of mortgages, such that monthly payments for the plurality of mortgages are reduced, the method comprising: calculating by the computer processor a current net present value for each of the mortgages in the portfolio of mortgages; calculating by the computer processor a plurality of future net present values for each of the mortgages in the portfolio, each future net present value corresponding to one set of proposed modified loan terms; determining by the computer processor the largest calculated future net present value for each of the mortgages in the portfolio; and automatically generating by the computer processor the loan terms of each of the plurality of mortgages where the largest future net present value is greater than the current net present value, wherein the loan terms for each of the mortgages in the portfolio are modified to correspond to the proposed modified loan terms resulting in the largest net present value.