A computer-implemented method includes determining, in respect of a loan secured by an asset, a present value of a right of a borrower of the loan to choose during a term of the loan to require an entity to pay the loan in full on the borrower's behalf in exchange for the asset, in response to at least one prediction of whether the borrower will exercise the right. The asset may include realty and the loan may include a mortgage. A further method includes granting, to a borrower of a loan secured by an asset, a right to choose during a term of the loan to require an entity to: (i) pay the loan in full on behalf of the borrower, and (ii) receive the asset in full satisfaction therefor; and receiving valuable consideration from the borrower in exchange for the granting of the right.