# Loan Modification Term Change Check

Check a loan modification note for the payment change it actually produces.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
The original payment, the modified payment and the term change offered.

## Workflow
1. Record the original payment.
2. Record the modified payment.
3. Recompute the monthly change and its share of the original payment.
4. Return the comparison without accepting any offer.

## Output contract
file | payment_original | payment_modified | change_monthly | change_pct | verdict

## Fictional acceptance test
Fictional modification moved the payment from 1,600 to 1,350: a monthly reduction of 250, about 15.6% of the original.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/what-is-a-loan-modification-en-269/

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