A method for creating, selling and servicing a contract for financing a homeowner' s residential real estate property. The homeowner supplies a down-payment to fund a first portion of the purchase price of the homeowner' s residential real estate property. A mortgage funds a second portion of the purchase price. The contract provides equity participation to a contract holder in the homeowner' s residential real estate property in return for the contract holder funding a third portion of the purchase price. A total purchase price of the residential real estate property comprises a sum of the first portion, the second portion and the third portion.