The structure is simple and effective: A governmental agency purchases the home your client has chosen. Your client then enters into a homeownership agreement that allows them to live in and control the property immediately. They gain the responsibilities and key financial benefits of owning a home—including the ability to claim tax deductions for mortgage interest and property taxes—while preparing to obtain traditional financing in the future.

For you, this means saving deals that would otherwise be lost. For your clients, it means achieving the dream of homeownership now.

TURN TODAY'S DENIALS INTO
TOMORROWS CLOSINGS

This program is specifically engineered to approve buyers that other lenders turn away. Offer your clients a real path to ownership with these flexible guidelines:

Flexible Credit Underwriting: We can work with FICO scores starting at just 580, and exceptions may be considered for scores below that.

Open to More Buyers: The program is open to non-permanent resident aliens with an ITIN and DACA recipients, creating opportunities for a wider range of clients.

Higher Debt-to-Income (DTI) Ratios: Buyers can be approved with DTI ratios as high as 50/60, providing greater purchasing power.

Common-Sense Income Verification: We welcome self-employed borrowers and offer flexible income documentation, including options to qualify using an average of 3 months' bank statements.

Forgiving of Past Financial Hardship: The program allows for buyers who have had a recent bankruptcy (Chapter 7 discharged by closing) or a foreclosure that is more than one year old.

Standard FHA Down Payment: Your clients can get into their home with as little as 3.5% down, and gift funds are fully acceptable.

Wide Range of Property Types: The program finances 1-2 unit properties, including Single Family Residences, PUDs, townhomes, condos (FHA approved), and manufactured homes (no single wide).

A Clear Path to Full Ownership: This is not a rent-to-own gimmick. The homebuyer has the right to purchase the property or assume the mortgage from the agency at any time during the agreement, providing a clear path to holding the title.

Key Advantages for You and Your Buyers

Are you tired of seeing hardworking clients get turned down for traditional financing? The Earned Equity Program (EEP) is a powerful tool designed specifically for you. This is not just another loan product; it's a revolutionary bridge to homeownership for buyers who may not qualify for a standard mortgage today.

CALL TODAY
702-493-9332

Bobby Rastifard
Branch Manager
NMLS 346606