The subject of this petition for letters patent is a business patent. Patentable subject matter is identified in Article I Section 8 of the federal constitution. Business patentable matter referenced herein is invention conductive to promotion of Progress of Science. The invention shows how to structure existing rules of record keeping procedure so as to free real estate from being made idle and immobilized by a mortgage lender. The lender has filed a foreclosure court action and subsequently does not complete taking title. That leaves an impoverished borrower with no equity motivation or personal financial resources but obligated to local government for property maintenance. The mortgage lending banks act in violation of antitrust laws prohibiting restraint of trade. Filing a deed in lieu of foreclosure is the key to freeing immobilized property.