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.

Terms of Service

Last updated: 8/8/2026

1. Acceptance of Terms

By accessing and using the Earned Equity Program Application Portal operated by Roxford Holdings Inc (NMLS 1843021), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this service.

2. Use of Service

The Earned Equity Program portal is provided for submitting and managing home loan applications. You agree to provide accurate, current, and complete information in connection with your application and to update such information as necessary.

3. Privacy

Your use of this service is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

4. No Government Affiliation

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 on this site to an "FHA Eligible Government Entity" describe a program purchasing structure only and do not imply government sponsorship of Earned Equity Program or Roxford Holdings Inc.

5. Contact

For questions about these Terms of Service, contact us at info@dreambuilderwayfinder.com or call 1-346-472-2800.