Earned Equity Program
Move in now. Build equity. Own your home — even without a traditional mortgage.
An FHA-eligible government entity purchases the home. You move in under an Ownership Equity Agreement, make monthly payments that build equity, and take full title whenever you're ready.
What is the Earned Equity Program?
An FHA-eligible government or tribal entity purchases the home using an FHA 203(b) loan. You move in under an Ownership Equity Agreement — not as a renter, but as a future homeowner — and build equity with every payment. You keep 100% of all appreciation from day one.
EEP Program Highlights
Loan to Value (LTV)
Eligible up to 96.5% LTV
Minimum Down Payment
3.5% in certified funds at closing
Program Platform
earnedequity.org
Credit Score
580 minimum (case-by-case below 580)
Rental History
12 months verifiable history required
Qualifying Income
FHA full doc, bank statements, or 1099s
Homebuyer Eligibility
U.S. citizens, permanent and non-permanent residents, ITIN and DACA
Who Is EEP For?
How EEP Works — Step by Step
Six clear steps from choosing a home to full legal ownership. No traditional mortgage required to move in.
Choose Your Home
Find a home that meets EEP property guidelines (SFR, PUD, FHA-approved condo, 1–2 units). Your broker submits a scenario to confirm eligibility before you go under contract.
Apply & Get Approved
Complete the EEP application through the earnedequity.org portal. Roxford Holdings reviews your file, confirms eligibility, and issues program approval.
Entity Purchases the Home
An FHA-eligible government entity purchases the property using an FHA 203(b) loan. Full FHA appraisal is completed to confirm property condition.
Sign & Move In
You execute the Ownership Equity Agreement, remit all closing funds (down payment, closing costs, first month) to title in certified funds, and move in as a future owner.
Build Equity Monthly
Each monthly payment reduces your option-to-buy price. You're building equity from day one — and you keep 100% of all property appreciation.
Take Full Ownership
Whenever you're ready: assume the FHA loan, refinance into your own mortgage, or pay off the balance. Full legal title transfers to you, along with all built-up equity.
EEP vs DreamBuilder — Sister Programs
Both are FHA-eligible lease-to-own programs. Roxford Holdings offers both so we can match you with the right structure for your situation.
Earned Equity Program
- Via earnedequity.org platform
- Low down payment — 3.5% minimum
- Up to 96.5% LTV
- 3.5% minimum down payment
- 12 months rental history required
- ITIN, DACA, self-employed eligible
- 580+ credit score (case-by-case below)
DreamBuilder Wayfinder
- Powered by DreamBuilder tribal entity
- Structured Financing Agreement with equity credits
- Up to 96.5% LTV
- 3.5% minimum down payment
- One tradeline with 12 months history
- ITIN, DACA, self-employed eligible
- 580+ credit score (case-by-case below)
Not sure which program fits your situation? Talk to a loan officer — we'll review your scenario and recommend the best path.
Become an EEP-Approved Agent
Help your clients break the rent cycle. Get approved to offer the Earned Equity Program through Roxford Holdings Inc (NMLS #1843021).
Let's Help Families Build Equity and Own Their Home
Complete the form below and an EEP specialist will contact you within one business day.
Earned Equity Program — frequently asked questions
Straightforward answers for homebuyers, agents, and broker partners — written to match EEP program guidelines and disclosures.
Not a commitment to lend. Program guidelines, credit approval, and state availability apply.
Call (888) 466-5422 · EEP support
Ready to Build Your Earned Equity?
Start your EEP application or read the full program fact sheet to understand every step.
