{"version":"1.0","type":"card","id":"ab5e5f48-29c6-4cd1-a5b9-0809c245eb10","url":"https://stacklist.com/card/ab5e5f48-29c6-4cd1-a5b9-0809c245eb10","title":"Understanding Loss Mitigation Terms (CFPB)","source_url":"https://www.consumerfinance.gov/ask-cfpb/i-got-a-letter-from-my-mortgage-servicer-about-my-application-for-help-to-prevent-foreclosure-of-my-mortgage-can-you-help-me-understand-some-of-the-terms-en-1807/","note":"Got a letter from your mortgage servicer full of terms like forbearance, hardship, and NPV? This decoder explains what each one means for Northeast Florida homeowners weighing a short sale against other loss mitigation options.\n","image":{"url":"https://ucarecdn.com/ce607007-7973-419b-94f8-b83992967407/","alt":"Understanding Loss Mitigation Terms (CFPB)","width":2400,"height":1600},"stack":{"id":"1fd2d972-b0dd-491a-9c6d-6384039957d1","title":"Short Sale Help in Jacksonville","url":"https://stacklist.com/c/finance/stack/1fd2d972-b0dd-491a-9c6d-6384039957d1"},"created_at":"2026-07-16T05:04:37.091Z","updated_at":null,"aco":{"summary":"Loss mitigation terms are explained to help mortgage borrowers understand the language used when applying for foreclosure prevention assistance. Key concepts covered include hardship definitions, investor requirements, net present value calculations, and trial modification processes.","tags":["loss-mitigation","foreclosure","mortgage","loan-modification","housing-counseling","net-present-value","hardship"],"key_entities":[{"name":"CFPB","type":"organization","confidence":0.95},{"name":"HUD","type":"organization","confidence":0.95},{"name":"Loss Mitigation","type":"concept","confidence":1},{"name":"Net Present Value","type":"concept","confidence":0.95},{"name":"Trial Modification","type":"concept","confidence":0.9},{"name":"Foreclosure","type":"concept","confidence":0.95},{"name":"HOPE Hotline","type":"organization","confidence":0.85},{"name":"Hardship","type":"concept","confidence":0.9}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-07-16T05:04:48.163Z"},"token_counts":{"approximate":1103,"cl100k":866},"content_hash":"sha256:40cdb777c56467cd774df8bea0bcd2ccd245157ea75ff10701134270df4126b5","acp_version":"0.2","body_available":true,"body_tokens":1103,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/ab5e5f48-29c6-4cd1-a5b9-0809c245eb10.json","html":"https://stacklist.com/card/ab5e5f48-29c6-4cd1-a5b9-0809c245eb10","md":"/api/public/card/ab5e5f48-29c6-4cd1-a5b9-0809c245eb10.md","stack_json":"/api/public/stack/1fd2d972-b0dd-491a-9c6d-6384039957d1.json"}}