The document is on home mortgages and includes the issues, such as housing mortgages as subjects to education, mortgage borrowers’ efforts to manage their own mortgages, the shortcomings in prevailing mortgage instruments etc. This article explains why the standard American mortgages do not meet the needs of a large proportion of borrowers. It also describes an alternative mortgage designed to work. It covers all related issues, and most important among them are, mortgage Products, mortgage banking, home finances, and instruments comparison etc. It provides assistance for member states on how to prepare successful housing finance strategies and action plans. It guides member states in their future housing finance planning and better positions themselves to meet market potentials and address the gap between demand and supply in housing finance. Loans for housing permit families to leverage the funds to spend each month on housing so that they can purchase a unit sooner or reach the next level of incremental development of their dwelling. The same monthly payments can go to loan repayments or they can be saved for years until the family can purchase the housing unit. In economists’ jargon, loans pre-empt housing demand.