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.

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

2023 Income Limits

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Edge Fund
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Equal Housing Opportunity - Accessible
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