Abstract: In the present invention, a system and method is described for lowering costs associated with taxes, insurance and HOA payments, during the initial five and/or ten year periods of owning a home, by financing these costs and other ongoing charges related to the consummation of a mortgage loan. In addition to the cost savings, the consumer may set up an asset that helps generate additional income to the consumer. Cost savings are achieved and secondary market ownership of the mortgage results in a lower overall risk to the investor through the creation of an asset that may be accessed to offset costs of homeownership or mitigate risk to the investor in the mortgage.