Overview
The Ability-First Mortgage (AFM) is Doorly’s owner-occupied financing structure used to complete the same-day resale after Doorly buys your home in cash. It is a standard 30-year fixed mortgage, fully documented and underwritten under Doorly’s formal guidelines.
AFM is designed to help buyers who may not meet traditional lending criteria but have strong, verifiable earning power and the ability to repay responsibly.
Why AFM Exists
Traditional lenders decline many borrowers simply because they don’t fit rigid formulas — even when they can clearly afford the payment. AFM solves this by evaluating the full picture of your financial health, not just credit score or tax return formatting.
How AFM Works in the Doorly Process
You apply and get approved for AFM before home shopping.
You shop for homes inside the Doorly app.
Doorly buys the home in cash.
Doorly completes a same-day resale to you.
You become the legal owner immediately with a 30-year mortgage in your name.
AFM Is Not:
A rent-to-own program
A wrap-around mortgage
A DSCR or investor loan
A balloon loan or short-term product
AFM is a real mortgage built for real homeowners.