What is the Earned Equity loan program?

Earned Equity Program is a unique Homeownership Empowerment program which enables an FHA Eligible Government Entity to purchase a home that can ultimately be purchased by customers, while providing housing stability and equity creation.

What credit score do I need for Earned Equity Program?

The minimum credit score is 580, with scores below 580 considered on a case-by-case basis.

What is the maximum LTV for Earned Equity Program?

Earned Equity Program offers up to 96.5% Loan-to-Value (LTV) for qualified borrowers.

Are ITIN holders eligible for Earned Equity Program?

Yes, ITIN holders (Individual Taxpayer Identification Number) are eligible for the Earned Equity program.

Is Earned Equity Program available for DACA individuals?

Yes, DACA individuals are eligible for the Earned Equity loan program.

Earned Equity Program Service Areas

Lease-to-Own Homeownership Across Texas & California

Wherever you rent today, Earned Equity Program can help you move toward owning. Our lease-to-own program turns renters into future homeowners with earned equity along the way.

Select your state or city below to learn how the program works in your area, then start your application online.

Provided by

Roxford Holdings Inc

NMLS 1843021

Earned Equity Program Highlights

A lease-to-own path to homeownership designed for underserved communities and alternative borrowers in Texas & California.

96.5% Loan-to-Value (LTV)

Maximum financing up to 96.5% LTV for qualified borrowers

580 Minimum Credit Score

Credit scores below 580 considered on a 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

Who Qualifies in Texas & California?

Earned Equity Program was built for buyers traditional lenders overlook. If you can afford a home but struggle to qualify for a conventional or FHA loan, you may be a great fit.

Homebuyer Eligibility

ITIN Holders (may not have an SSN) – Individual Taxpayer Identification Number
DACA Individuals
Self-employed borrowers with a higher DTI
Borrowers declined by an agency or government lender
U.S. Citizens
Permanent Resident Aliens
Non-Permanent Resident Aliens, including ITIN and DACA

Where We Serve

Browse by state or jump straight to your city.

Earned Equity Program Fast Track

Close in 35 Days or Less in Texas & California

Other lenders offering this program take 60–90 days. The Earned Equity Program Fast Track gets Texas & California buyers to the closing table in 35 days or less, so you start building equity sooner.

60–90

days, others

days or less

Ready to Start Your Earned Equity Program Journey in Texas & California?

Turn renting into owning with our innovative lease-to-own program. Apply online or connect with Roxford Holdings Inc to discuss your scenario.

Contact Roxford Holdings Inc

23015 Colonial Parkway

Building A, Suite A108-2

Katy, TX 77449

Call for program details

Email for information

NMLS 1843021