We make homes more affordable

PROBLEM

Homeownership is slipping out of reach

An older woman smiling in her living room

Baby Boomers- 4 decades ago

29: median age of a first-time buyer
37%: of buyers were first-time buyers
~3×: a home cost about 3 years of income

Gen X - 2 decades ago

32: median age of a first-time buyer
36%: of buyers were first-time buyers
~4×: a home cost about 4 years of income

Millennials & Gen Z · TODAY

40: median age of a first-time buyer
21%: of buyers were first-time buyers
~5×: a home costs 5 years of income

Most households can’t save the TENS of THOUSANDS of DOLLARS in out-of-pocket expenses it takes to buy a home: earnest money + inspection + appraisal + down payment + closing costs, plus plus plus.

Sources: NAR Profile of Home Buyers and Sellers; HUD and U.S. Census Bureau.

The size of the problem

Homebuyers

7.4M

family households (~9%) can qualify for a mortgage based on income, credit, and DTI.

Most continue to rent due to:

protecting their nest egg
heavy paperwork hurdles
the knowledge gap

Real estate pros

1.32M

NAR members competing for 3.94M home sales a year. That is less than 3 homebuyers per realtor per year.

Whoever controls the buyers controls the market.

Homeowners

40M

homeowners with equity and qualifications to lower monthly costs for housing or consumer debt.

Yet few take action due to:

heavy paperwork hurdles
financial barriers
the knowledge gap

Sources: Zillow, NAR, Bankrate; statistics exclude New York.

SOLUTION - PRODUCT

One product for six customer types we serve

We make homes more affordable for:

Homebuyers who want to buy a home with only $2,500 cash out of pocket instead of tens of thousands.

Home Sellers who want an acceptable offer faster without dropping their asking price.

Homeowners who want to use their home equity to lower monthly costs with energy-smart upgrades or paying off high-interest debt.

Buyer’s Agents who want to help their buyers protect their cash and close in less time.

Listing Agents who want to help their listings stand out and sell quicker at the listed price.

Brokers & Team Leaders who want to give their team an edge that accelerates total transactions.

A smiling couple holding up the key to their new home

SOLUTION - COMPANY

The Afford Amp Advantage

Customer First

Our decisions start with what’s best for the customer.

A National Lending Partner

PRMI, a national lender since 1998, handles every loan.
Every state including DC, except New York.

Leadership

Our 2 founders’ combined experience:

67: years in marketing
53: years in leadership development
25: years in residential construction
21: years in operations & fulfillment
8: years in energy-smart upgrades
100’s: of homes bought and sold

PRMI: our lending partner

Founded in 1998 as Primary Residential Mortgage, Inc.
$3.16 billion in loans in 2025
10,391 loans in 2025
NMLS #3094: Equal Housing Lender

PRMI

Provides every mortgage consultation, application, credit review, preapproval, underwriting decision and loan commitment.

Lowtility

PRMI's proprietary portfolio product: home financing paired with energy-smart upgrades. Lowtility is not a separate lender.

Afford Amp

We provide a platform and marketing tools that create, attribute, and track the connection/lead sent to PRMI, our partner. Afford Amp is not a mortgage lender, broker, or agent and does not make credit decisions or issue loan approvals or commitments.

Source: Scotsman Guide, 2026 Top Mortgage Lenders (2025 originations).

Four Pathways

Choose the Path That Fits You

Start with the option that best describes your role or goal.

HOMEBUYERS Buy With Only $2,500 Cash Out of Pocket Buy a home with only $2,500 cash out of pocket instead of tens of thousands. Request More Info HOME SELLERS Get an Acceptable Offer Faster Get an acceptable offer faster without dropping your asking price. Explore Seller Options HOMEOWNERS Lower Your Monthly Costs Use your home equity to lower monthly costs with energy-smart upgrades or paying off high-interest debt. Request More Info REAL ESTATE PARTNERS Close More Transactions As our customer, we provide you with marketing tools and support to help you close more transactions. Explore Real Estate Partner Solutions

Not sure which path fits you? Answer a few quick questions and we’ll point you in the right direction. Help Me Choose →

Which best describes you?

I work in real estate I am selling a home I am buying a home

I own a home

What would you most like help with?

Reducing monthly financial pressure Exploring smarter home energy upgrades Both or not sure

I am not sure

PRMI | NMLS #3094 | Equal Housing Lender | Lowtility is a proprietary portfolio product of PRMI and program availability is subject to final underwriting approval, verification of income, and satisfactory credit review. Qualifications may require a 625 credit score. Underwriting guidelines apply to both the applicant profile and target home criteria. This does not constitute an offer or commitment to lend. AffordAmp is not a mortgage lender, broker, or agent and does not make credit decisions or issue loan approvals or commitments.

Financing is subject to borrower/property eligibility, underwriting, lender approval, and program availability.

Afford Amp does not make credit decisions or guarantee approval, savings, appraisal treatment, incentives, cash-to-close outcomes, or project results.