Abstract: A method of protecting individual homeowners against a decline in the market value of their specific home during a term which has the steps of defining a strike price, defining a term, designating a surety to purchase the home and providing the homeowner with a unilateral right to sell the real property to the surety at the strike price during the term. The option may include a provision that the home will be purchased within a predetermined amount of time after receiving the notice of exercise of the option from the homeowner. The term may be for any period of time on which the parties agree, although the basic term shall be for as long as the homeowner owns the home. The option may be renewable if for less than as long as the homeowner owns the home. In most but not all cases, the strike price shall be the price at which the home would appraise at the time the option commences.