My proposed solution to the typing problem has several parts. They include eliminating and legally banning interest-only loans, mandatory loan modifications, government tax incentives for remaining in a potentially foreclosed home, and consumer education. Many years ago, mortgage companies created the thirty year home loan. It appears that this extended payment plan would benefit the homeowner by giving them more time to pay off their mortgage. Repayments were lower and more affordable than a shorter loan. But the long-term timeline was most business-friendly. The thirty-year loan plan grew out of the banks' theory that many buyers could experience financial difficulties over a thirty-year period. The lender would also benefit from the interest calculated in this long-term payment plan. Over thirty years, the buyer pays several times the purchase price to become owner of the property. And if during this period the house is repossessed, the company again makes a lot of money on the same house or property. This is especially true if real estate market values ​​remain stable. An even more amazing loan plan than the thirty-year loan plan is the newer interest-only loan. After two years of pure interest payments and pure profit for the finance company, the loan repayment begins to increase. So, consumers' dream home must be sold or refinanced in order to avoid the cost of the outrageous increase from greedy lenders. These loans have helped mortgage companies succeed, but the dream home will cost more than ever if the loan is kept. For the stressed owner, this payment is often unaffordable and, even if the business is successful, the consumer is left middle of paper.... This mindset needs to be changed in our society as it is a stressful way of life and misleading. Without much knowledge, the public falls prey to those who enrich themselves through interest paid, as well as late fees and other fines. Then, in addition to the mandatory modification, homeowners with a loan problem should also receive tax incentives, credits, and other government incentives to stay in their homes for an extended period of time. There is of course no short-term solution to all of this, but I have made the appropriate suggestions to remove all brown lawns devoid of Christmas decorations this year. One of them belonged to my now displaced family and the difficulties are one of the reasons why I am looking for money for my studies. If I win the money from the stock market and one day become a homeowner, I plan to be especially wary of any loans that could lead to foreclosure.!