One must start with the Resolution Trust Corporation, which was created by the Federal Government to solve and settle a saving and loans problem back in the 1980’s. RTC should buy up securitized home loans that have been packed into large groups to be sold to investors. If roughly 4000 mortgages are compiled, securitized and sold like a stock. Government also should have reassembled whole loans from securitized mortgage components and derivatives. They could have used traditional mortgage experts and get lines in order to package home loan into quality groups. Then government should sell those reassembled whole loans to common mortgage banks. This resolved the problem or renegotiating home loans with homeowners. The law would need to be altered so that home loans could not be securitized into derivatives or it would continue the negative cycle that caused the issue in the