EEP Pathway
Homeownership for ITIN & Visa-Status Renters: No SSN or FICO Score Required
The EEP Pathway is a private Earned Equity product from Roxford Holdings Inc designed for ITIN and certain Visa-status individuals who are solid long-term renters ready to move on to homeownership. It is structured around FHA-eligible guidelines but is not affiliated with HUD or FHA. It does not require a Social Security Number or a FICO score, and it offers flexible guidelines for the self-employed.
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 Pathway Is For
Why EEP Pathway Works
FHA-Eligible Guidelines
Structured around familiar FHA-eligible guidelines for a clear path to ownership—without implying HUD or FHA sponsorship.
No Social Security Number Required
Qualify with an ITIN, no SSN needed.
No FICO Score Required
Approval does not hinge on a traditional FICO score.
Flexible for the Self-Employed
Flexible documentation guidelines designed for self-employed earners.
Built for Long-Term Renters
Made for dependable renters ready to transition into homeownership.
Earned Equity Along the Way
Build equity as you move from renting to owning.
How EEP Pathway Works
Apply Online
Start your EEP Pathway application, no SSN or FICO score required.
Verify Income & Identity
Provide ITIN or Visa documentation and flexible income docs, including self-employed options.
Match Your Home
An FHA Eligible Government Entity purchases your future home under program guidelines.
Move In & Build Equity
Move in and start building earned equity on your path to ownership.
EEP Pathway FAQ
Do I need a Social Security Number for EEP Pathway?
No. EEP Pathway is designed for ITIN holders and certain Visa-status individuals and does not require a Social Security Number.
Is a FICO score required for EEP Pathway?
No. EEP Pathway does not require a FICO score.
Does EEP Pathway follow FHA guidelines?
EEP Pathway is structured around FHA-eligible guidelines for the entity purchase and property standards while accommodating ITIN and Visa-status buyers. That does not make EEP Pathway a HUD or FHA program.
Is EEP Pathway affiliated with HUD or FHA?
No. EEP Pathway, 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.
Can self-employed borrowers qualify for EEP Pathway?
Yes. EEP Pathway offers flexible guidelines for the self-employed.
Who is EEP Pathway best for?
Solid long-term renters with an ITIN or certain Visa statuses who are ready to move on to homeownership.
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.