facilitate a better understanding of the present invention a discussion of such elements and steps is not provided herein the disclosure herein is directed to all such variations and modifications to such elements and methods known to those skilled in the art the present invention provides access and securing of secondary financing such as third party loans gifts and the like which may act as equity on the purchase of a loan this secondary financing enables loan modifications and short sales as discussed herein throughout in an embodiment of the present invention a no cost loan of a certain monetary value may be provided as a secondary loan on a loan of a greater value such a loan is made to assist families and individuals with the purchase or refinance of a home or other asset when the funds necessary to close the full leverage amount s do not exist are insufficiently collateralized or are otherwise insufficient users of such loans may also have other assets which may not be classically considered as equity or may not be in a position to generate cash funds from other owned assets or equities the present invention may help create more qualified buyers that currently do not have a sufficient down payment in hand or who do not hold sufficient equity in a home or who own homes that have decreased in value but could otherwise qualify for a loan.