Patent ID: 8606699

Claim:
A system for protection of mortgage holders comprising: a. a server having a first database maintaining a first set of data representative of a plurality of members each of said plurality of members having a first obligation pertaining to a first real property dwelling, and a second database on said server maintaining a second set of data representative of a plurality of real property dwellings, wherein said server is comprised of one or more servers; b. a computer for matching one of said plurality of members with one of said plurality of real property dwellings upon request of one of the said plurality of members based on one or more events recognized by said system and relinquishment of the one of said plurality of member's said first obligation; c. a memory for storing said one of said plurality of member's first obligation into a pool accessible to other members, of said plurality of members, or third parties to assume or partially assume; and d. wherein said first and second database store data representative of a credit for equity owned by the one of said plurality of members maintained in said first real property dwelling for use against the purchase or rental of one of said plurality of real property dwellings from said second database.