Earned Equity Program
Turn renting into owning with a private lease-to-own path that builds equity along the way
The Earned Equity Program is a private homeownership empowerment solution from Roxford Holdings Inc (NMLS 1843021)—not a HUD or FHA program. An FHA-eligible government entity purchases a home you select, then you live in it under a lease-to-own structure while each qualifying payment contributes to earned equity—positioning you for FHA-level financing or beyond when you are ready to purchase or assume.
Provided by
Roxford Holdings Inc
NMLS 1843021
Earned Equity and Roxford Holdings Inc. are private entities and are not affiliated with, endorsed by, or acting on behalf of HUD, FHA, or any federal, state, or local government agency. References to an "FHA Eligible Government Entity" describe a program purchasing structure only.
What Makes the Earned Equity Program Different
FHA Eligible Government Entity Purchase
An FHA-eligible government entity buys the home under program guidelines, creating a structured pathway that traditional rent-to-own deals rarely offer. This describes the purchasing structure—not government sponsorship of Earned Equity or Roxford Holdings Inc.
Earned Equity With Every Payment
Unlike ordinary renting, payments under the program contribute toward your future ownership stake in the home.
96.5% LTV Financing
Maximum financing up to 96.5% LTV helps keep the down-payment barrier low for qualified participants.
Flexible Credit Path
580 minimum credit score, with scores below 580 considered case by case, plus alternative credit options.
ITIN & DACA Welcome
Built for underserved and alternative borrowers, including ITIN holders and DACA individuals.
Path to Traditional Financing
Use the lease period to strengthen credit and readiness, then buy or assume when you qualify for FHA-level financing.
How the Earned Equity Program Works
Apply Online
Submit your Earned Equity Program application through the portal and share your goals as a future homeowner.
Eligibility Review
A program representative reviews income, credit, and household fit for the lease-to-own pathway.
Select an Eligible Home
Work with a participating licensed real estate agent to choose a property that meets program guidelines.
Move In & Build Equity
Occupy the home, make payments that build earned equity, and work toward purchase or assumption.
Earned Equity Program FAQ
What is the Earned Equity Program?
The Earned Equity Program is a lease-to-own homeownership path in which an FHA-eligible government entity purchases a home and the future homeowner builds earned equity through monthly payments until they can buy or assume the property.
How is earned equity different from renting?
With traditional renting, payments only cover occupancy. Under the Earned Equity Program, qualifying payments contribute toward your future ownership of the home.
Who provides the Earned Equity Program?
The Earned Equity Program is a private program offered through Roxford Holdings Inc, NMLS 1843021.
Is the Earned Equity Program affiliated with HUD or FHA?
No. The Earned Equity Program and Roxford Holdings Inc. are private entities and are not affiliated with, endorsed by, or acting on behalf of HUD, FHA, or any federal, state, or local government agency. References to an FHA Eligible Government Entity describe a program purchasing structure only.
What credit score do I need?
The program targets a 580 minimum credit score. Scores below 580 may be considered on a case-by-case basis, and alternative credit can be acceptable.
Can ITIN or DACA applicants use the Earned Equity Program?
Yes. ITIN holders and DACA individuals are welcome, along with U.S. citizens, permanent residents, and other qualifying non-permanent resident aliens.
Explore More Earned Equity Program Pages
Continue learning about earned equity pathways and specialized products.
The Market Opportunity for Minority Homeownership
Opportunities exist today for minority groups to qualify for a home mortgage, and the market is ready.
The housing market can feel incredibly unstable and housing prices are still on the rise. If you don't pursue homeownership now, with all of the resources available to you, the wait could cost you your home. Your family and your community deserve the comfort and stability of having the American Dream. Sadly, many minorities and underserved communities are missing the chance to own their own homes.
of home ownership growth over the next 20 years is projected to come from Latinos.
Source: Urban Institute
The Hispanic population will make up more than half of all net new households in the United States over the next 25 years.
Source: U.S. Census Bureau projections
Most of the US Hispanic population is younger than 35, and Hispanic millennials represent over a quarter of the cohort about to reach home-buying age.
Source: U.S. Census Bureau
mortgage-ready millennials in 31 large metropolitan areas have the credit scores, debt-to-income ratios, and credit history to qualify for a mortgage.
Source: National Association of Realtors (NAR)
of the 21M+ mortgage-ready millennials in the 31 largest metros are Hispanic.
Source: National Association of Realtors (NAR)
Black millennials in the 31 largest metropolitan areas who would qualify for a mortgage.
Source: National Association of Realtors (NAR)
mortgage-ready Black and Hispanic millennials in the 31 largest MSAs, per NAR Report.
Source: National Association of Realtors (NAR)
higher average wealth for homeowners vs. renters, according to the Federal Reserve's Survey of Consumer Finances.
Source: Federal Reserve Survey of Consumer Finances
The Homeownership Gap: A Solvable Problem
According to the National Association of Realtors (NAR), minority groups still face a gap in homeownership rates compared to their White counterparts. The current homeownership rate for Black Americans is 43.4%, significantly less than White Americans at 72.1%. In 2019, the Black homeownership rate fell to 40.6%, the lowest level in more than half a century.
In 2019, the Black homeownership rate fell to 40.6%, the lowest level in more than half a century.
Source: National Association of Realtors (NAR), 2022
The gap is real, but so is the opportunity. Earned Equity Program is built to close it.