The widespread securitization of home loans (selling pieces of them to countless investors), the terms and conditions of home-loan guarantees (such as by Fannie Mae and Freddie Mac), and governmental regulations of home-mortgage lenders have greatly complicated the resolution of situations in which the unpaid balance on the loan exceeds the home's market value.

For some situations, S.Crow Collateral Corp.'s Home By Six transaction process can be a quick and satisfying solution. With Home By Six, S.Crow Collateral Corp. buys the home for the amount owing on the loan (or loans), so that the lender or lenders are paid in full. S.Crow Collateral Corp. re-sells the home to an investor for the home's estimated value today with financing from the investor which eventually makes S.Crow Collateral Corp. whole and provides compensating cost-savings for the investor over future years.

As part of the deal, either the home's present owner, or someone else, may lease the home.