Pursuant to the HAMP guidelines, servicers are required to use "reasonable efforts" to seek a waiver of any restrictions that interfere with their ability to complete a loan modification. See Pacheco v. PNC Bank, N.A., No. 14-P-1488, 2015 WL 7019045, at *2 (Mass. App. Ct. Nov. 13, 2015) (noting that "HAMP guidelines required [mortgage loan servicer] to use 'reasonable efforts' to obtain a waiver of any requirement that prevented it from performing the obligations imposed by HAMP"); U.S. Bank Nat'l Ass'n v. Vasquez, 10 N.Y.S.3d 386, 388, 47 Misc.3d 1023, 1025 (2015) (slip. op.) (finding that plaintiff, U.S. Bank, "failed to demonstrate that it followed HAMP regulations and guidelines" where it failed to show that it sought a waiver of an investor restriction on its ability to provide a HAMP modification).