See what may be worth discussing before you move deeper into the process.
Consultation is a respectful conversation about your wants, needs, questions, and concerns.
Subject to borrower/property eligibility, underwriting, approval, and program availability.
Practical Starting Point
A Practical Starting Point
Having a 625 credit score and $2,500 doesn't guarantee you'll get into a home — but if you have at least that much, you may find a path to one.
Getting there still depends on seller acceptance, earnest money, option fees, inspection, appraisal, preapproval, credit review, income review, property eligibility, underwriting, lender approval, final closing figures, and program availability. Every situation is different. This is not a commitment to lend.
Cash-to-Close
If Cash-to-Close Is the Part Holding You Back
Many buyers can comfortably handle the monthly payment but get stuck on the upfront cash needed at closing. AffordAmp organizes your financial profile into a clear, actionable starting point so a PRMI/Lowtility reviewer can evaluate your path to Zero Down and zero-cash-to-close lending programs.
- Protect your safety net: Preserve your savings and emergency fund for life after closing.
- Frictionless intake: Start securely with your homebuying timeline, goals, income, and credit range.
- High-value consultation: Schedule your short 15-minute call with your buyer context already fully organized.
Market Context
You Are Not the Only Buyer Facing This
Realtor.com reported that a typical household needed about seven years to save for a down payment.
Realtor.com reported the typical down payment as $23,400, before many buyer closing costs.
Realtor.com reported nearly one-third of first-time buyers said saving for a down payment was the most difficult part of buying.
How It Works
Three Simple Steps
Share Your Timeline & Goals
Securely share your target price, timeline, and financial profile in about two minutes. This intake questionnaire will not affect your credit score and your data is never sold to third-party spammers.
Pick a Convenient Time
Schedule your short, 15-minute call directly with a PRMI/Lowtility reviewer to map out your custom financing scenario.
Review Your Options
Your PRMI/Lowtility reviewer evaluates available Zero Down and eligible zero-cash-to-close programs, preserving your savings for life after closing.
FAQ
Questions Buyers Usually Ask
Does submitting this form affect my credit score?
No. Completing this intake questionnaire will not affect your credit score. Any future credit reviews are handled explicitly by PRMI/Lowtility only after you provide your direct authorization.
Is this a formal loan application?
No. This is a secure preliminary step to organize your homebuying goals. PRMI/Lowtility handles the official loan application, underwriting, and program approval steps whenever you are ready to proceed.
What exactly does “Zero Down” mean?
Zero Down refers to specialized financing programs where qualified buyers can purchase a home without a traditional down payment, keeping your upfront cash intact. Final eligibility is subject to standard property and borrower underwriting approval.
Does zero cash-to-close mean I need absolutely no money to buy?
Not necessarily. Buyers typically pay immediate contract expenses like earnest money, option fees, inspections, or appraisals to secure the home. However, in many programs reviewed by PRMI/Lowtility, these upfront amounts can be credited back to you at the closing table.
What if I have a 625 credit score and $2,500 cash?
You may be much closer to buying a home than you think. While it does not guarantee automatic loan approval, having at least a 625 score and $2,500 on hand is a practical starting point to begin a serious financing review.
What if my credit score is below 625?
PRMI/Lowtility has down payment assistance programs for homebuyers with a credit score of 580 or higher, so please schedule a consultation. A PRMI/Lowtility reviewer can evaluate your current profile to see what programs fit now, or provide a clear, practical roadmap to help you build a stronger borrowing position.
Do I need to know my exact credit score to fill out the form?
No. Simply select the estimated range that feels closest to your current score, or choose "Not Sure." We do not run a credit check during this step.
Do I need to have a specific property picked out already?
No. If you have an address in mind, it helps us customize your numbers faster. If you are still shopping, you can easily start your review using just your target price range and homebuying timeline.
Who makes the final lending decision?
PRMI/Lowtility is the licensed mortgage lender responsible for all underwriting, loan approvals, interest rate locks, and program terms. AffordAmp provides the intake technology to organize your files and streamline the process.
What exactly does AffordAmp do?
AffordAmp provides the secure technology that organizes your homebuying timeline, financial profile, and goals into a clean, professional summary. This ensures your PRMI/Lowtility reviewer has all your context fully prepared before your call, saving you time.
Are there income caps or geographic restrictions on these programs?
No. Unlike many standard state assistance grants, these specific Zero Down paths have zero income caps and no geographic restrictions. Program qualification is based strictly on standard borrower and property eligibility.
Is there any cost or obligation to schedule the 15-minute call?
None at all. The call is a 100% free, no-obligation educational strategy session designed to clarify your financing options and lay out your exact next steps.
Financing, Affiliation & Privacy Disclosure
Important details before you schedule.
- This website is owned and operated by AffordAmp and is not owned, operated, or controlled by Primary Residential Mortgage, Inc. (“PRMI”). AffordAmp is not a mortgage lender, mortgage broker, agent, or affiliate of PRMI and does not make credit decisions or issue loan approvals or commitments.
- LOWTILITY is a home-financing program offered through PRMI; it is not a separate mortgage lender. Any mortgage consultation, application, credit review, financing option, prequalification, preapproval, underwriting decision, or loan commitment will be provided solely by PRMI, NMLS #3094, Equal Housing Lender.
- PRMI is not responsible for the content of this website, AffordAmp’s representations or services, solar products or services offered by third parties, or AffordAmp’s collection and handling of information. AffordAmp may collect information through this website and, with your authorization, provide it to PRMI to help facilitate a mortgage consultation. Please review AffordAmp’s privacy policy for information about how your data is collected, used, stored, and shared.
- All financing is subject to borrower qualification, credit and income review, property eligibility, program availability, underwriting, and final approval by PRMI. Nothing on this website constitutes a commitment to lend or a guarantee of loan approval, interest rate, appraisal value, closing costs, seller concessions, down-payment assistance, or the amount of cash required to close.