Indy Affordable Modification Program

The Indy Affordable Modification (IndyAMP) Program allows homeowners living in areas adversely affected by COVID-19 to refinance mortgage debt at a below-market interest rate for up to 30-years. IndyAMP allows owners to remain in their homes, become current with their mortgages, and lower their monthly payment.

Please note that the IndyAMP program is only possible while funding is available.

A Product of the

Edge Fund


  • 3% Fixed Interest Rate for up to 30-Years
  • Refinance Mortgage Debt from $20,000 to $200,000
  • 10-, 20-, and 30-year options
  • 90-Day Deferral of First Payment
  • 600 Minimum Credit Score
  • No Appraisal – Your home value must be at or below 95% of comparable home values based on a REALTORS® Property Resource Report
Borrower Benefits
  • Annualize Income Based on Most Recent 30-Day Paystubs
  • Flexible Terms (10-, 20-, and 30-year Terms Available)
  • No Appraisal Required
  • Closing cost which can be included in the new loan
  • No Mortgage Insurance Required
Program Requirements
  • Existing Marion County Homeowners (Mortgaged House must be Primary Residence)
  • Existing Mortgage Debt between $20,000 and $200,000
  • Must be at or below 120% AMI
  • Negatively impacted by COVID-19 and/or home in one of the following zip codes: 46201, 46202, 46205, 46208, 46218, 46219, 46222, 46224, 46226, 46229, 46235, 46254, or 46260

2024 Income Limits

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