EEP DocLight
Homeownership for Gig Workers & Non-Traditional Earners: No Tax Returns or FICO Required
EEP DocLight is a private Earned Equity product from Roxford Holdings Inc designed to help gig workers, first-time buyers, and those who may not have qualified under traditional FHA guidelines. It is not affiliated with HUD or FHA. It assesses borrowers using FormFree's RIKI tool for income and asset verification. Its asset-based risk model reviews P&L or bank statements but does not require tax returns or a FICO score, making it a solid choice for non-traditional earners looking to buy a home.
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.
Who EEP DocLight Is For
Why EEP DocLight Works
FormFree RIKI Verification
Income and asset verification powered by FormFree's RIKI tool.
Asset-Based Risk Model
Approval based on an asset-based risk model, not a traditional credit profile.
P&L or Bank Statements
Reviews profit & loss statements or bank statements to assess income.
No Tax Returns Required
Skip the tax returns, ideal for non-traditional earners.
No FICO Score Required
Approval does not depend on a traditional FICO score.
Built for Gig & First-Time Buyers
Purpose-built for gig workers and first-time buyers.
How EEP DocLight Works
Apply Online
Start your EEP DocLight application in minutes.
Connect Income & Assets
Verify income and assets with FormFree's RIKI tool.
Asset-Based Review
We review your P&L or bank statements, no tax returns or FICO score.
Move In & Build Equity
Move into your home and start building earned equity.
EEP DocLight FAQ
Do I need tax returns for EEP DocLight?
No. EEP DocLight's asset-based risk model reviews P&L or bank statements and does not require tax returns.
Is a FICO score required for EEP DocLight?
No. EEP DocLight does not require a FICO score.
How is my income verified for EEP DocLight?
EEP DocLight uses FormFree's RIKI tool for income and asset verification.
Is EEP DocLight good for gig workers?
Yes. EEP DocLight is designed for gig workers, first-time buyers, and non-traditional earners.
What if I did not qualify under traditional FHA guidelines?
EEP DocLight is built specifically for buyers who may not have qualified under traditional FHA guidelines.
Is EEP DocLight affiliated with HUD or FHA?
No. EEP DocLight, 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.
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.