<p>Inflated housing prices and appraisal reviews were two major components that led to the 2007 economic downfall. In addition, several bank failures were the direct result of volatile mortgage lending. While it will take some time to undo the effects of these, transferring the sellers financing on to the buyer does resolves the issue of non performing mortgage loans, controls inflation, improves home affordability, and saves consumer credit ratings. These benefits can only be reaped by consumer action.</p>