In a foreclosure situation, the bank may be required to determine the "Net Present Value" of your home.  Doing this math can help the lender know whether a loan modification would be in everyone's best interests.  The attachment below is the calculator the FDIC posted on its website until recently and the one that Maine mediators are still using

On this page you can find forms that you might need to handle your own foreclosure case. For more detailed information, see Can I Save My Home from Foreclosure? and Home Mortgage Foreclosures.