A few points of clarification for your question: Are you planning to CONSIGN for someone else? And in doing that, you want the right to pay the loan instead of having the property taken in foreclosure if the borrower doesnt pay? It would seem that perhaps adding yourself to the deed of the home as well as the note would afford you that right? One way or another, the lender is going to be owned a chunk of money at the end of the 5 year period. There is no way to guarantee that financing will be available to the borrower (or you) in order to refinance the amount due. If the lender is not paid in full, in most cases they will have the right to try to cover their losses by taking title to the collateral – the property – in foreclosure. Unless they are paid properly, I dont see how you would guarantee against that – that is the promise given with the loan in most mortgage situations. Please re-ask or edit the question if I am reading it incorrectly so that we may better assist.