What is Earned Equity Program (EEP)?
The Earned Equity Program (EEP) is a lease-to-own homeownership pathway where an FHA-eligible government or tribal entity purchases the home using an FHA 203(b) loan. You move in under an Ownership Equity Agreement and build equity through monthly payments. You keep 100% of all appreciation and can take full legal title any time by assuming the FHA loan, refinancing, or paying off the balance.
EEP is designed for ITIN holders, DACA recipients, self-employed borrowers, and buyers with credit challenges who cannot yet qualify for a traditional mortgage. Program terms and structure are disclosed during the application process.
Roxford Holdings Inc (NMLS #1843021) is an approved EEP lender serving buyers nationwide.
Comparison Note: EEP is a sister program to DreamBuilder — both are FHA-eligible lease-to-own structures using the earnedequity.org platform.
Who Qualifies for Earned Equity Program (EEP)?
How to Apply for Earned Equity Program (EEP)
Choose a home that meets EEP property guidelines
Apply through the earnedequity.org portal (linked from roxfordholdings.com/eep)
FHA-eligible entity purchases the home using FHA 203(b)
Execute the Ownership Equity Agreement and move in
Monthly payments reduce option-to-buy price and build equity
Take full title by assuming the FHA loan, refinancing, or paying off the balance
Key Features
Benefits
Requirements
580+ credit score
3.5% down payment in certified funds at closing
12 months verifiable rental history
Primary residence only
FHA-eligible property (SFR, PUD, FHA-approved condo, 1–2 units)
Full FHA appraisal required
Frequently Asked Questions
EEP is an FHA-eligible lease-to-own homeownership program. A government entity purchases the home; you move in under an Ownership Equity Agreement, build equity monthly, and take full legal title at any time.
Yes. EEP specifically accepts non-permanent resident aliens including ITIN holders and DACA recipients, subject to full program guidelines and approval.
3.5% of the purchase price in certified funds at closing. Additional program terms are disclosed during the application process.
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“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