By separating public-service lending ( home loans, personal loans and small business loans)  from corporate, big-business lending, and by handling the public service loans by way of a nationwide network of non-profit foundations, the home foreclosure crisis can be ended in less than six months.   This process will save billions of dollars, prevent the foreclosure of millions of homes, and avoid grief and misery for millions of families.   The process will also provide substantial moneys to fund county and city governments.