Earned Equity Program (EEP)
Complete Program Fact Sheet
Everything you need to know about the Earned Equity Program — eligibility, how the Ownership Equity Agreement works, step-by-step process, and how to apply through Roxford Holdings Inc (NMLS #1843021).
Program Overview
The Earned Equity Program (EEP) is a lease-to-own homeownership pathway available through Roxford Holdings Inc (NMLS #1843021) via the earnedequity.org platform. It is designed for buyers who cannot yet qualify for a traditional mortgage and want to move into a home and start building equity right away.
Under EEP, an FHA-eligible government or tribal entity purchases the property using an FHA 203(b) loan. The homebuyer executes an Ownership Equity Agreement, remits all closing funds to title in certified funds, and moves in as a future owner — not an ordinary renter. Each monthly payment reduces the option-to-buy price, building equity toward full legal ownership.
The program is structured to minimize upfront costs and the homebuyer keeps 100% of all property appreciation from day one. Full title transfers when the buyer assumes the FHA loan, refinances into their own mortgage, or pays off the balance.
Roxford Holdings Inc (NMLS #1843021) is an approved EEP lender and handles the application review, property eligibility confirmation, and transaction coordination on behalf of the homebuyer.
Eligibility Requirements
Basic Requirements
Eligible Homebuyers
Eligible Property Types
How Does EEP Work?
Choose a Home and Submit a Scenario
Identify a home that meets EEP property guidelines. Your EEP-approved broker (through Roxford Holdings) submits a scenario to confirm eligibility before you go under contract. TBDs are welcome. The contract must include EEP-specific wording and all required addenda and disclosures.
Complete the EEP Application
Complete the EEP application through the secure earnedequity.org portal, linked from roxfordholdings.com/eep. Roxford Holdings reviews your income documentation, credit, rental history, and property details. A full FHA appraisal is ordered through an AMC approved for EEP. AVM must be within 10% of appraised value.
FHA-Eligible Entity Purchases the Home
An FHA-eligible government or tribal entity purchases the property using an FHA 203(b) loan. This entity holds title during the equity-building phase while you build equity through monthly payments.
Sign the Ownership Equity Agreement and Move In
You execute the Homeownership Agreement (Ownership Equity Agreement), which is recorded by an authorized representative. All closing funds — down payment, closing costs, and first month's payment — are remitted to title in certified funds. You move in as a future owner, not a renter.
Build Equity Through Monthly Payments
Each monthly payment reduces your option-to-buy price, building equity over time. You keep 100% of all property appreciation from the date of closing. You may also sell the home, with all appreciation going to you.
Take Full Legal Title Whenever You're Ready
At any time you choose, assume the existing FHA loan, refinance into your own mortgage, or pay off the balance to gain full legal ownership. There is no required waiting period — the exit is entirely on your timeline.
EEP vs DreamBuilder — What's the Difference?
Both programs are FHA-eligible lease-to-own pathways. Here's how they compare side by side.
| Feature | EEP (Earned Equity) | DreamBuilder Wayfinder |
|---|---|---|
| Program entity | FHA-eligible entity via earnedequity.org | DreamBuilder Wayfinder tribal entity |
| LTV | Up to 96.5% | Up to 96.5% |
| Min. down payment | 3.5% | 3.5% |
| Platform | earnedequity.org | DreamBuilder Wayfinder portal |
| ITIN/DACA eligible | Yes | Yes |
| Self-employed income | Bank statements / 1099s | Bank statements / 1099s |
| Credit score | 580+ (case-by-case below) | 580+ (case-by-case below) |
| Rental history | 12 months required | One tradeline 12 months |
| Appreciation | 100% to homebuyer | 100% to homebuyer |
| Exit options | Assume, refinance, or pay off — any time | Assume, refinance, pay off, or sell |
EEP Program Benefits
Build Equity Now
Every payment builds equity — you're not throwing money away on rent.
Low Down Payment
Start with as little as 3.5% down. No traditional mortgage qualification required to move in.
100% Appreciation Yours
From day one, all property value increases belong to you.
ITIN & DACA Accepted
One of the only structured pathways for buyers without a Social Security Number.
FHA-Backed Structure
The entity purchase uses FHA 203(b) — regulated, transparent, secure.
Exit Any Time
Assume the loan, refinance, or pay off — on your timeline, not a fixed date.
Flexible Income Docs
Bank statements and 1099s accepted for self-employed and gig workers.
Credit Flexibility
580+ minimum; lower scores considered case-by-case with compensating factors.
Nationwide
Available across all 50 states through Roxford Holdings Inc (NMLS #1843021).
Legal Information & Disclosures
The Earned Equity Program is not a conventional mortgage. Homebuyers enter into an Ownership Equity Agreement with an FHA-eligible government entity, not a direct loan with Roxford Holdings. All transactions are subject to program guidelines, credit approval, property eligibility, and applicable state laws.
Roxford Holdings Inc (NMLS #1843021) serves as the licensed mortgage lender coordinating EEP transactions. Program terms, structure, and any secondary financing components are disclosed during the application process in accordance with applicable lending laws.
This is not a commitment to lend. Programs, rates, and availability are subject to change without notice. All lending decisions are subject to credit and collateral approval and state licensing. NMLS #1843021.
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 Start Your EEP Journey?
Apply through the earnedequity.org portal or contact Roxford Holdings to discuss your scenario. ITIN, DACA, self-employed, and credit-challenged buyers welcome.
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc