How AmPledge Works

AmPledge’s patent approved Hardship Assistance Program™ provides unmatched protection and support for homeowners

AmPledge: The only homeownership program dedicated to safeguarding your stability well beyond closing day.

Every homeowner’s story is unique—but every AmPledge member can count on the same step-by-step guidance. From application to ownership and beyond, our process is designed to set you up for success. What sets us apart is our commitment after closing: a built-in Hardship Assistance Program™, Safety-Net Fund™, and Pay-It-Forward Model™ that protect today’s members and empower tomorrow’s homeowners.

The AmPledge Journey

See how our step-by-step process, Safety-Net Fund™, Hardship Assistance Program™ and Pay-It-Forward Model™ make homeownership last.

Red front door

Opening The Door to Homeownership

AmPledge facilitates down payment assistance funded by employers and lenders, helping more Americans cross the threshold into homeownership. By making the first step possible, we empower families to begin building equity, stability, and long-term wealth.

Financial Meeting with woman and a man

AmPledge Offers Guidance Every Step of the Way

AmPledge offers HUD-approved homeownership counseling before purchase and after closing, empowering members to be successful homeowners. Monthly continued education opportunities keep members informed, confident, and prepared for every stage of the journey.

A couple on their red couch, smiling at the computer with moving boxes all around.

Securing a Safety Net From Day One

Where Our Approach Breaks the Mold

Homeownership does not end at the closing table. It is just the beginning. That is why AmPledge maintains a Safety-Net Fund™ and allocates money for each member in an amount equal to up to 5% of their home purchase price.

These funds can be used during qualified hardships to provide peace of mind, lower the risk of foreclosure, and help you keep your home through life’s unexpected turns during the first five years of your homeownership journey.

Financially stressed out man

When Life Happens, AmPledge Is Here

This Is the Game-Changer…

Life can change in an instant. For many homeowners, a temporary hardship can threaten long-term stability. That’s when the AmPledge Hardship Assistance Program™ is there to help.

This first-of-its-kind program offers short-term financial support from the Safety-Net Fund™ so members can stay on track during unexpected challenges like job loss, a major unexpected medical event, a major unexpected home repair, or the divorce or death of a financial contributor. It is not a traditional loan, and it is not a handout either. It is a bridge through hardship that keeps you moving forward.

Here’s how it works: AmPledge makes payments directly to your mortgage lender for up to three months of assistance per qualifying hardship. This helps prevent missed payments, penalties, and the risk of foreclosure, affording you time to get back on the happy path of homeownership.

couple shaking hands with next AmPledge member

Paying It Forward

Uniquely Built to Endure

AmPledge operates on a unique Pay-It-Forward Model™ that sustains support for both current and future homeowners. Assistance provided through the AmPledge Hardship Assistance Program™ is repaid only when the home is sold. Those repayments go directly into the AmPledge Safety-Net Fund™, making it possible for the next member to receive help during their own time of need.

It is a self-sustaining system that turns the sale of one home into the stability of another.

Why It Matters

Stability at the individual level creates strength at every level.

  • Homeowners stay in their homes during difficult times, avoiding lasting financial harm.

  • Stability protects neighborhoods, preserves home values, and lightens the load on public resources

  • Homeowners hold on to the equity they’ve worked hard to build.

  • At AmPledge, every act of support fuels the next. When members repay assistance after selling their home, those funds go directly toward helping future members during times of hardship. It’s neighbors helping neighbors, creating a lasting cycle of stability and care.

Become A Member

Becoming an AmPledge member gives you access to trusted counseling, ongoing support, and a built-in financial safety net for your homeownership journey. Membership is free for qualified homebuyers committed to building long-term stability, with benefits that start before closing and continue well beyond it.