The present invention relates generally to products, systems and methodologies for providing financing for real estate and more particularly to products and methodologies that provide financing to home owners and home purchasers that are assumable and that are structured so that the mortgages or loans are attractive to both borrowers and/or mortgage lenders/investors. The products, systems and methodologies of the present invention provide assumable mortgages that, either individually or in combination, limit the length of time during which the loan can be assumed and the number of times a loan can be assumed. Other features of the present invention provide for a fee, interest rate adjustment or other compensation to a lender or investor as a result of assumption of a loan. The loan' s interest rate can adjust based on the characteristics of the prospective purchaser or assumer of the loan or on the financial characteristics of the transaction itself. The mortgage products and methodologies of the invention are designed with the overall goal of contributing to the stabilization and or strengthening of the residential real estate market and to provide a vehicle to protect and/or enhance the value of a mortgaged property during volatile credit and/or rising interest rate environments.