How It Works

Your Path To Homeownership

  • Your home team will consist of your Realtor, your Lender & the American Pledge Foundation (AMPF). This team is designed to help you find and finance your home as well as face financial hardships.

  • American Pledge Foundation (AMPF) will guide you through pre-purchase orientation focusing on AMPF’s financial aid program.

  • On closing day, American Pledge Foundation (AMPF) works behind the scenes to build your financial aid safety net. These funds are then deposited into a hardship escrow account for the new homeowner.

  • American Pledge Foundation (AMPF) will provide post-purchase counseling and advocate for you for 5 years. AMPF homeowners are required to set up their own safety net account for unexpected hardships.

  • We help you keep your home by paying up to three mortgage payments directly to the lender from your hardship escrow account during qualifying hardships.

  • After 5 years, unused hardship escrow funds go to the next American Pledge Foundation (AMPF) homeowner. When you decide to sell, you agree to repay the financial aid used with no interest or fees to support future homeowners.

What Knocks You Off The Happy Path

  • Loss of Job

    If you lose your job, AMPF can offer financial assistance to help with your mortgage payments as you concentrate on finding new employment. We believe in your ability to recover quickly and are here to support you during this transitional period.

  • Death or Divorce

    If you face a divorce or the death of a wage earner, AMPF can offer financial assistance during this time. Our support helps ease the burden of managing mortgage payments, allowing you to focus on navigating through this difficult period.

  • Major Medical Event

    In a major medical event, you shouldn’t have to choose between paying medical expenses or your monthly mortgage payment. AMPF provides essential financial support, letting you focus on your health and recovery so you can get back on track.

  • Major Mechanical Failure

    If you experience a significant mechanical failure at home, AMPF can assist by covering your mortgage payments. This support ensures you can focus on essential repairs without the concern of depleting funds meant for your mortgage.

Get Support When You Need It Most

Step 1: Complete the financial assistance form below then contact your American Pledge Foundation advocate and ask for financial assistance.

Step 2: American Pledge Foundation vets your hardship for eligibility.

Step 3: American Pledge Foundation will make up to three mortgage payments directly to your lender from your hardship escrow account.