Unlike foreclosure rent-back programs that allow individuals to remain in their homes prior to vacating the property, or short sales that occur when the lending institution agrees to allow the borrower to sell the home for less than he or she owes, HSG’s goal is to allow our clients the opportunity to set the stage for long-term homeownership. During a foreclosure rent-back, the home owner is required to pay market value rent in exchange for being able to remain in his or her home for several months as the foreclosure process commences. However, HSG creates a twelve or twenty-four-month period for our clients during which their housing-related financial obligations are cut in half. As a result, HSG clients have the opportunity to reestablish their financial health, reduce their liabilities, and improve their credit; all of which results in sustained homeownership as a result of the HSG Leaseback Program ©.