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
PROBLEM
Homeownership is slipping out of reach
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 - COMPANY
The Afford Amp Advantage
Customer First
Our decisions start with what’s best for the customer.
Your Edge with Buyers and Sellers
Help hesitant buyers move forward with only $2,500 cash out of pocket, and help your listings stand out to more buyers.
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).
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.
What Afford Amp means to Buyers & Buyer Agents
Zero down payment
Buyer's personal down payment reduced to zero.
Energy-smart upgrades
A $0 net impact on the buyer's monthly energy budget: electricity savings are greater than the cost of the upgrades.
Closing costs in the loan
Closing costs can be rolled into the financing by PRMI, and contributed to by the energy-smart upgrade partner.
Qualification
Credit score as low as 625, subject to verified income and automated underwriting DTI approval.
| Amount | Item |
|---|---|
| $1,000 | Earnest money |
| +$1,500 | Appraisal and inspection |
| +$0 | Down payment |
| +$0 | Closing costs |
| $2,500 | Total out of pocket |
$5,000 Close On Time Guarantee
Buyer Agents do negotiate a lower $1,000 earnest money deposit because it is backed by a $5,000 Close On Time Guarantee. The short version of the Close On Time Guarantee for pre-approved buyers is PRMI pays the seller $5,000 in cash only if the mortgage loan fails to close on schedule solely due to a lender error.
What Afford Amp means to Sellers & Listing Agents
Acceptable offers by lowering the buyer's housing cost
WITHOUT lowering the seller's price.
- Marketing advantage that attracts more buyers.
- Listings that stand out to buyers.
- Listings that may sell quicker at the listed price.
- $5,000 Close on Time Guarantee backs buyer's earnest money.
- Yard Sign
- Home Affordability Report
- Listing Flyer
- Tabletop Display
What Afford Amp means to Homeowners
- For your past clients.
- For current clients who want to buy a second home with you, but first need lower monthly costs on their home or debt, personal or business.
DIGITAL HELOC
- ~5 minutes to apply
- Approval with AI-driven underwriting within minutes, not weeks
- Everything online, with electronic closing
- Funding in as little as 5 days
Refi or second mortgage
Refinance to roll energy-smart upgrades and higher-interest balances into one monthly payment, or add a second mortgage and keep your current first mortgage.
What a Real Estate Partner gets
Marketing tools, training, and support that can help them close more real estate transactions.
You’re in business for yourself, but not by yourself.
Your Sponsor
The Connector who invited you provides marketing tools.
Marketing Tools
Yard signs, open house flyers, QR codes, landing pages and Home Affordability Reports.
Training
Plug into company training and events every week on Zoom.
Support
We show you how to use the tools with your buyers and listings.
Common Questions
Real estate agents join as a Real Estate Partner when they want a Connector to be responsible for providing marketing tools that can help them close more transactions.
No.
Yes.
No. Afford Amp is not a mortgage lender, broker, or agent and does not make credit decisions or issue loan approvals or commitments. PRMI's role is to evaluate borrower eligibility and provide mortgage financing.
Credit score as low as 625, subject to verified income and automated underwriting DTI approval.
Primary residences with 1 to 4 units are the main fit. Condos and townhomes are reviewed case by case. Ask PRMI about other property types.
In 49 states (all but New York), for purchases, refinances, and new construction.
No. PRMI's PITI + Utilities analysis doesn't need a credit pull.
Yes. Ask for a comparison before your buyer locks a rate.
Yes, you are the Agent of Record (AOR).
PRMI's typical timeline is 30 to 45 days.
No. To the seller and listing agent, it works like a standard purchase mortgage, with no effect on the seller's proceeds, closing date, or title.
A Real Estate Partner may use approved Afford Amp materials, links, codes, and guidance. Financing, eligibility, upgrade details, and outcomes should not be presented as confirmed before review.
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.