The Happy Path to Home Ownership

American Pledge ensures new homeowners are educated and prepared. In times of hardship, we step in to pay your mortgage. When life happens, American Pledge is there to keep you on the happy path.
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87% of home foreclosures are caused by these life hardships. 

‍We keep Homeowners on the Happy Path.

Are you financially ready to own your first home?
Finding your first home should be fun! But it can also be scary. We work with new homeowners so they’re prepared.
Welcome home! What’s next?
A new home should be celebrated, but it’s also a lot of responsibility. The cost of buying often depletes savings that take years to replenish.
Life Happens: I lost my Job!
If this happens, we can step in to make your mortgage payments and provide counseling to help you navigate the hardship.
Life Happens:
‍Your HVAC system just died!
Homeowner insurance is designed for unexpected hazards. If a major home event isn't covered, or if you're short of the insurance deductible, we can step in to make your mortgage payment and provide counseling to help you navigate the hardship.
Life Happens:
‍You just got terrible news!
Health insurance covers medical hardships, but not all costs are covered. If a significant event occurs, we can step in to make your mortgage payments and provide counseling to help you navigate the hardship.
Life Happens:
‍You lost a family member!
If a working family member passes away or is no longer part of the family unit, we can step in to make your mortgage payments and provide counseling to help you navigate this hardship.
Ready for what’s next!
The mortgage payments made on your behalf will need to be “paid forward” to support the next generation of aspiring first-time home buyers. When you sell your home, you will repay these mortgage payments from the sale proceeds without any interest or fees. This helps American Pledge continue to support future aspiring homeowners.
What does this cost you?  ZERO.
American Pledge Foundation is a non-profit.  It forms partnerships with other non-profits, banks, lenders, corporations, and government entities to help aspiring homeowners in underserved communities attain and sustain homeownership.  These partnership fund the organization and the hardship escrow accounts.
Who is American Pledge?
We believe homeownership is the American Dream and the path to creating generational wealth for families.
We support homeownership through community engagement, digital education, and a safety-net fund to protect against hardship and mortgage default. Our program can be packaged with any mortgage and meets FHA lending standards.

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