Your home.
A little closer.
A new way to make homeownership more affordable. The BridgeSM contributes 25% of your home’s purchase price, with no monthly principal or interest payments on that contribution.
An appreciation-based second mortgage. Availability and final terms are confirmed by a participating licensed lender.
A bridge to your next chapter.Of the home’s purchase price contributed by The Bridge.
Toward purchase or refinance
Appreciation-based settlement at exit
Knowledge for a more confident future
One mission.
Two ways to make an impact.
Whether you’re looking for a home or helping others find one, you have a place in the Archie Mae ecosystem.
I’m a homebuyer or homeowner.
Learn how The Bridge can reduce the first mortgage you need and create more room in your monthly budget.
Explore homeownershipI’m a lender, broker, or organization.
Explore financial education, mortgage analytics, and technology designed to strengthen the lending ecosystem.
Explore our platformA smaller first mortgage.
A little more breathing room.
Access to cash can be the missing piece in homeownership. The Bridge adds a 25% contribution through a second mortgage, so your first mortgage can be smaller.
- No monthly principal payments on The Bridge.
- No calculated, accrued, or deferred interest on The Bridge.
- Appreciation sharing replaces interest as its cost of money.
See how the pieces fit.
See what a 25% contribution could mean for your monthly payment.
Use the mortgage calculatorIllustration before any buyer down payment. The Bridge is financing; settlement and appreciation-sharing obligations apply.
A clearer path, from
learning to living.
Financial understanding and participating-lender approval are part of the journey.
Start with understanding.
Explore the product and complete the online homebuyer certification required for access to The Bridge.
Connect with a lender.
Complete pre-qualification and work with a participating licensed lender on your first mortgage and applicable terms.
Build your next chapter.
If approved and available, use The Bridge for purchase or refinance and continue your financial education after closing.
The dream is personal.
The mission is shared.
More families should have the opportunity to feel at home.
Archie Mae brings financial and educational services together to support affordable homeownership for families across income levels, especially low- and moderate-income households traditionally left out of the market.
Our goal is to improve cash flow, expand access, and support a more stable housing market, including opportunities for middle- and upper-income households.
These figures describe the company’s aspirations, not completed customer outcomes.
Explore the original website’s housing context
Archie Mae’s original site cites more than 24 million Americans facing a moderate or severe housing cost burden. Its accompanying illustration also highlights the following figures. These are retained as the original site’s context, with no claim that they represent current market data.
People priced out of homeownership; an estimated 3.5 million-unit housing shortage.
Rental-price growth since 2020, affecting millions of aspiring homebuyers.
Housing inventory compared with pre-pandemic levels, with fewer than one million units available in the original illustration.
Median home price relative to median annual income, as described in the original illustration.
Knowledge is part
of the foundation.
Archie Mae’s online learning and certification model helps homebuyers understand their financial decisions before accessing The Bridge, with additional learning required after closing.
A commitment to stronger credit quality and lifelong financial empowerment.
Good questions.
Clearer answers.
A home is a big decision. Understanding how the product works should come first.
All product detailsWhat is The Bridge?
An appreciation-based second mortgage intended to contribute 25% of a home’s purchase price for purchase or refinance. It has no monthly principal or interest payments on that contribution, with settlement obligations under the agreed terms.
Does “no monthly payments” mean free money?
No. The Bridge contribution is financing. Its cost is tied to home appreciation, and the agreement sets out repayment, appreciation sharing, and exit terms. Your first mortgage and other housing costs still require payment.
Who is this designed for?
Families across income levels, with particular attention to first-time and underserved buyers facing cash-flow or liquidity barriers. The Bridge is described without stringent product income or home-price restrictions; first-mortgage lender requirements still apply.
Is Archie Mae a mortgage lender?
Archie Mae’s application disclosure says it is not a direct lender or mortgage broker. Its pre-qualification submission is routed to a participating licensed lender and is not an application for credit.
Where is The Bridge available?
The original announcement describes an approximately 3,000-applicant pilot and names GA, FL, TN, the DMV region, OH, CO, AZ, TX, and CA, with a Fall 2024 target. Current availability and participating markets must be confirmed with Archie Mae.
Your homeownership journey starts with one step.
Explore The Bridge, understand the numbers, and connect with a participating lender.