AmPledge for Banks, Lenders & Credit Unions
A Smarter Approach to Risk. A Stronger Commitment to Communities.
The Challenge You Face
Financial institutions working in the mortgage space are navigating a difficult balancing act:
Regulatory Pressure: CRA and Fair Lending laws are growing in scope and scrutiny.
Portfolio Risk: High-LTV loans to LMI and underserved borrowers increase early default risk.
Operational Burden: Foreclosures and loss mitigation disrupt operations and erode borrower trust.
Reputational Risk: Non-compliance can result in fines, denied mergers, and public criticism.
With nearly 50% of foreclosures occurring in the first five years of homeownership and many borrowers depleting their savings for down payments, your institution needs a way to lend confidently without compromising compliance or performance.
The AmPledge Solution: Stability Starts Here
Hardship Assistance Program™
The AmPledge Hardship Assistance Program™ gives every member access to a built-in Safety-Net Fund™ that can provide up to 5% of their home’s purchase price in mortgage payment assistance during qualified hardships in the most vulnerable first five years of homeownership. Funded by your institution, this protection helps families stay in their homes while reducing portfolio risk.
Through the Hardship Assistance Program™, borrowers can receive:
Up to three full mortgage payments during qualifying hardships such as job loss, major home repairs, medical emergencies, or death/divorce of a wage earner
Direct payment to the mortgage servicer to prevent delinquencies and foreclosure
Support that preserves borrower credit and reduces costly loss mitigation
The program operates under AmPledge’s Pay-It-Forward Model™, meaning assistance is repaid by the borrower upon the sale of their home and reinvested into the Safety-Net Fund™ to support future homeowners. This creates a sustainable cycle of stability that continues to deliver impact long after the initial investment.
AmPledge manages all program administration including coordination, documentation, compliance, and borrower support so you can deliver a high-impact protection benefit under your brand with minimal operational effort.
Turnkey Down Payment Assistance Program
Our Down Payment Assistance Program is a powerful complement to the AmPledge Hardship Assistance Program™ and helps borrowers start their homeownership journey on stronger financial footing. Funded directly by your institution, this turnkey program reduces the upfront cost of buying a home, allowing borrowers to preserve emergency savings and improve long-term stability.
By lowering out-of-pocket costs at closing, lenders can:
Reach more first-time, LMI, and underserved borrowers
Strengthen CRA and Fair Lending performance
Reduce early default risk by keeping borrower reserves intact
AmPledge oversees every aspect of the program including facilitation, documentation, compliance, and borrower counseling so you can offer this high-impact benefit under your brand with minimal operational effort.
HUD-Approved Counseling
Our HUD-Approved Counseling services ensure borrowers are prepared for the responsibilities of homeownership before they close and supported with ongoing guidance after they move in. This education strengthens borrower confidence, builds financial resilience, and helps protect both the homeowner and your institution’s portfolio.
Through this counseling, borrowers receive:
Pre-purchase education to understand the true cost of homeownership
Guidance on budgeting, credit management, and emergency preparedness
Ongoing resources and support throughout the first critical years of ownership
AmPledge coordinates every aspect of the counseling process, providing you with documentation for compliance and performance reporting while ensuring borrowers have the knowledge and tools to succeed for the long term.
Why Partner with AmPledge?
-
Lower delinquency and foreclosure rates among high-LTV and LMI borrowers.
Safeguard your portfolio against economic downturns and borrower instability.
-
Aligns with CRA credit criteria (LMI borrowers, MMCTs, underserved areas).
Proactively supports Fair Lending compliance by reducing redlining, disparate impact, and treatment risks.
-
Flat 1% program participation fee—no hidden costs, no surprises.
Funded with support from philanthropic partners, HNW donors, and institutional backers.
-
Repaid funds (upon sale or after 7 years) reinvested in future borrowers.
Self-sustaining model that amplifies community impact and reduces ongoing cost burden.
Operational Ease
Partnering with AmPledge is simple:
No disruption to your underwriting process
You retain full control of origination
We provide hardship support, counseling coordination, and fund management
You receive performance reporting and regulatory documentation to support audits and exams
A Strategic Win for Mission & Margin
Whether you’re expanding your CRA footprint, entering new LMI markets, or strengthening your mortgage portfolio, AmPledge is a high-impact, low-risk solution.
It’s a smarter way to:
Originate more loans with confidence
Protect borrowers through life’s uncertainties
Lead with purpose in the communities you serve
Partner With Us
Join a growing network of financial institutions committed to smarter, more resilient lending. Whether you're looking to strengthen your CRA strategy, reduce portfolio risk, or support long-term homeownership in your community, partnering with AmPledge™ is a meaningful step forward—for your institution and the people you serve.
Let’s build stability together.