How would farmers their neighbors keep their homes when they could not repay their bank loans

The correct answer is, Farmers made sure that the highest bids that the bank received when auctioning their homes were pennies.

Explanation:

When people mortgage their properties or precious materials to banks, in order to get loans, and are unable to pay the loans, then banks sell their properties or precious materials to get their money back. They usually sell the mortgage at a good price to have their loans recovered. So farmers made sure that the people who came for auctioning of the houses offer pennies, so that banks won't sell the homes at so low price. In this way, farmers could help their neighbors keep their homes.  

what's this it's not giving you what have to do.

answer; observing;