Roxford Holdings Inc
Specialty Financing

Homeownership Empowerment ProgramProgram

Flexible options for non-traditional borrowers including ITIN & DACA

Flexible financing for non-traditional borrowers including self-employed, ITIN holders, DACA recipients, and those with recent credit events.

4.9/5 from satisfied borrowers

Down Payment

3.5%

Terms

15-30 years

Timeline

30-45 days

Rates

Competitive non-QM rates

Get Pre-Approved TodayCalculate Payment
3.5% Down

What is Homeownership Empowerment?

The Homeownership Empowerment Program at Roxford Holdings is designed for borrowers whose situations don't fit neatly into traditional lending boxes. This includes self-employed individuals, ITIN (Individual Taxpayer Identification Number) holders, DACA (Deferred Action for Childhood Arrivals) recipients, and borrowers recovering from recent credit events such as bankruptcy.

Our program offers up to 96.5% LTV (loan-to-value), meaning buyers can purchase with as little as 3.5% down. For self-employed borrowers, we accept 3-month bank statement documentation instead of traditional tax returns, recognizing that tax write-offs often understate actual earning ability.

What makes this program truly unique is our approach to credit events. We accept borrowers as soon as 1 day after bankruptcy discharge, compared to the 2-4 year waiting periods required by most conventional and government loan programs. We also provide ITIN financing for non-citizen borrowers who have Individual Taxpayer Identification Numbers, opening homeownership to a segment of the population that is often underserved by traditional lenders.

How it compares: The Homeownership Empowerment Program fills gaps left by FHA and conventional programs, which require 2-4 year waiting periods after bankruptcy and do not accept ITIN borrowers.

Who Qualifies for Homeownership Empowerment Program?

Self-employed borrowers who prefer bank statement qualification over tax returns
ITIN holders (Individual Taxpayer Identification Number) purchasing a primary residence
DACA recipients seeking homeownership
Borrowers with recent bankruptcy discharge (as soon as 1 day after)
Non-traditional income earners including gig workers, freelancers, and contractors

How to Apply for Homeownership Empowerment Program

1

Contact Roxford Holdings to discuss your specific borrower profile and needs

2

Provide 3 months of bank statements (self-employed) or other applicable documentation

3

Get pre-approved based on your actual deposits and cash flow

4

Find a home and provide minimum 3.5% down payment

5

Close on your home with our flexible underwriting — typically within 30-45 days

Key Features

Up to 96.5% LTV financing
Self-employed 3-month bank statement qualification
ITIN and DACA borrower eligible
1-day bankruptcy seasoning
Non-traditional income documentation accepted

Benefits

Homeownership for non-traditional borrowers
Bank statement income instead of tax returns
Minimal waiting period after credit events
Serving underserved borrower populations
Flexible documentation requirements

Requirements

Minimum 3.5% down payment

Bank statements (3 months for self-employed)

Valid ITIN or SSN

Primary residence purchase

Property must meet appraisal standards

Frequently Asked Questions

Can ITIN holders get a mortgage?

Yes, Roxford Holdings offers mortgage financing for ITIN (Individual Taxpayer Identification Number) holders. You do not need a Social Security Number to qualify for our Homeownership Empowerment Program.

How soon after bankruptcy can I buy a home?

With our Homeownership Empowerment Program, you may be eligible as soon as 1 day after your bankruptcy is discharged, compared to the 2-4 year waiting periods required by FHA and conventional programs.

What bank statements do I need for self-employed qualification?

We typically require 3 months of personal or business bank statements. We calculate your qualifying income based on average monthly deposits, which often results in higher qualifying income than tax return-based calculations.

Are DACA recipients eligible for mortgages?

Yes, DACA (Deferred Action for Childhood Arrivals) recipients are eligible for our Homeownership Empowerment Program. We work with DACA borrowers to find the right financing solution for their situation.

Related Loan Programs

Down Payment Assistance
100% financing with no borrower down payment required
DreamBuilder Lease-to-Own
Lease-to-own path to homeownership
Bank Statement Loans
Mortgage qualification using bank statements instead of tax returns

Ready to Get Started with Homeownership Empowerment Program?

Get personalized rate quotes and expert guidance for your homeownership empowerment program needs.

Call (888) 466-5422Get Rate Quote

What Our Clients Say

Don't just take our word for it. Here's what our clients have to say about their experience working with Roxford Holdings.

"They explained to us in very detailed step by step information for first time house buyers."

Jessica A.

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.

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.

Araceli M.

Mortgage Refinance Client

Roxford Holdings Inc