Earned Equity Program Fact Sheet
Complete Program Specifications
The Earned Equity Program Fact Sheet provides comprehensive details about our innovative lease-to-own homeownership program. From loan specifications to eligibility requirements, find everything you need to know.
Your complete guide to the Earned Equity program.
Provided by
Roxford Holdings Inc
NMLS 1843021
Earned Equity Program Specifications
Key program details and specifications for the Earned Equity lease-to-own homeownership program.
Loan-to-Value (LTV)
Maximum financing up to 96.5% LTV for qualified borrowers
Down Payment
Only 3.5% down payment required for qualified borrowers
Credit Score
Credit scores below 580 considered on case-by-case basis
Loan Amount
FHA High Balance considered on case-by-case basis
Property Type
Single-family homes, townhouses, condos eligible
Program Type
Build equity while renting, position for FHA financing
Earned Equity Program Features
Comprehensive features designed to make homeownership accessible to more families.
96.5% LTV Financing
Maximum financing up to 96.5% loan-to-value ratio
580 Credit Score Minimum
Credit scores below 580 considered on case-by-case basis
ITIN & DACA Eligible
Individual Taxpayer Identification Number and DACA individuals welcome
Flexible Income Documentation
FHA Full Documentation, Bank Statements, P&L, 1099s accepted
Earned Equity Building
Build equity while renting, positioning for FHA-level financing
Government Entity Purchase
FHA Eligible Government Entity purchases your future home
Income Documentation Options
Earned Equity Program accepts multiple income verification methods to accommodate different employment situations.
FHA Full Documentation
Traditional income verification with 1 year employment history
Required Documents:
- W-2 forms
- Pay stubs
- Tax returns
- Employment verification
Bank Statement Income
Income verification using bank statements only
Required Documents:
- 3-12 months personal bank statements
- 3-12 months business bank statements
- Deposit analysis
P&L + Bank Statements
Profit & Loss statements combined with bank statements
Required Documents:
- Business P&L statements
- Corresponding bank statements
- Business verification
1099s + Bank Statements
1099 income combined with bank statement verification
Required Documents:
- 1099 forms
- Supporting bank statements
- Income verification
Assets as Income
Use of assets to supplement or replace income
Required Documents:
- Asset documentation
- Depletion calculations
- Asset verification
Homebuyer Eligibility
The Earned Equity program is designed to serve a wide range of borrowers, including those with non-traditional situations.
- ITIN Holders (May not have an SSN) – Individual Taxpayer Identification Number
- DACA Individuals
- Self-employed borrowers with a higher DTI
- Loan declined by an agency or government lender
- U.S. Citizens
- Permanent Resident Aliens
- Non-Permanent Resident Aliens, including ITIN and DACA
Credit Requirements
- One (1) tradeline with at least 12 months satisfactory history
- Alternative credit may be acceptable
- No more than 2 late payments in the last 12 months
- Credit score of 580 or higher preferred
- Lower credit scores considered case-by-case
What is Earned Equity Program?
A unique Homeownership Empowerment program
Earned Equity Program enables an FHA Eligible Government Entity to purchase a home that can ultimately be purchased by your customers, while providing housing stability and equity creation.
Our Earned Equity program turns renters into future homeowners by offering a lease-to-own solution with earned equity along the way. This unique product gives your clients the opportunity to live in their dream home, not as an ordinary "renter" but as a future homeowner while building equity over time — ultimately positioning them for FHA-level financing or beyond.
Together, let's turn renting into owning and empower more families to build lasting wealth. With every step forward, we're helping your clients create a foundation for their future and a legacy for generations to come.
Earned Equity Program Statistics
Key metrics and specifications at a glance
Maximum LTV Ratio
Minimum Down Payment
Credit Score Minimum
ITIN/DACA Eligible
Ready to Learn More About Earned Equity Program?
Download the complete fact sheet or contact our team for detailed information about the Earned Equity program.
Contact Roxford Holdings Inc
23015 Colonial Parkway
Building A, Suite A108-2
Katy, TX 77449
Call for program details
Email for fact sheet
NMLS 1843021