The world currently faces a perfect financial storm of enormous proportions. Government and corporate fiscal mistakes have contributed to a market situation more volatile than any since the Great Depression. The plight of home foreclosures caused by this crisis extends across the United States and affects government, businesses, and individuals alike. These foreclosures drive families away from their homes and overburden lenders with homes that have been devalued by the market. What can be done to stop all this? What measures should we take to resolve the current crisis and prevent similar economic disasters from occurring in the future? To solve the problem of widespread home foreclosures, we need a comprehensive set of strategies designed to both help us in our present situation and safeguard our future security. It is not possible to propose a safe, practical and functional solution to this complex problem without first understanding how it began. It is important to note that the root causes are complex and varied; There have been many factors that have contributed to the current situation, from shadow banking to excessive consumer debt. While these and other issues certainly deserve consideration, it is of the utmost importance that the focus remains on the following central difficulty and its effects. Driven by the apparent promise of large profits signaled by artificially low interest rates, lenders offered large numbers of risky subprime loans, often in the form of bundled "credit default swaps." Only the mortgage holders in each swap had to default for it to turn into a toxic asset. So, instead of diminishing the dangers of speculative individual loans, this handy… paper medium… is a chance for Americans to stay in their homes, and thus provides them with the time they need to catch up on payments of the mortgage, while still providing lenders with a reasonable source of income. At the same time, it incentivizes banks to look at each of their mortgages individually. so they can work with mortgage holders to arrive at mutually beneficial agreements. The second solution increases the competitive options of local banks, as well as the purchasing options of local consumers, and safeguards America from the failure of big banks. providing the other advantages already listed. These solutions could be implemented easily and would take effect quickly. These are unconventional strategies that provide a unique new perspective on the problem and, ultimately, should give America a good start on the road to recovery..