Who it's for
For home buyers
The program exists for people who can afford a house but cannot get approved for one.
In ten seconds
- This is for people a bank told no because of paperwork, not because of money.
- Self-employed, ITIN, DACA, or thin credit: you may fit.
- Check in two minutes. No email needed.
580
credit score is the standard. Lower can still be reviewed.
Your path, step by step
Everything about the program, in the order you will live it.
Illustrations only. General information, not a commitment to lend.
Who this is built for
If a lender has told you no and the reason had more to do with documentation than with affordability, this is the path built for you.
You might fit if you are
Your tax returns do not reflect what you actually earn. You can qualify with 3 months of bank statements, or a P&L, or 1099s, and 3.5% down.
You can qualify with an ITIN and proof that you can make the payments. DACA recipients are eligible too.
The standard is 580 with two tradelines of 24 months. Below that, or with no score, it goes to an exception. Possible, not automatic.
Chapter 7 discharged at closing works. Chapter 13 with 12 payments works. A foreclosure inside 1 year of closing does not.
A documented 12-month rental history is exactly what the program wants to see, and Venmo, Zelle, or PayPal count if documented.
Am I home ready?
Six quick questions to see where you stand today. It is not an approval.
Your estimated monthly payment
$4,020
- Principal and interest, 40-year schedule
- $3,183.46
- Mortgage insurance
- $199.03
- Property taxes (estimated)
- $412.50
Why it's different
Guides for your situation
- Buying with an ITIN The Earned Equity Program accepts buyers with an ITIN. Here is what the published standards ask for, in plain words.
- Self-employed buyers No W2? The Earned Equity Program has published ways to show self-employed, 1099, and gig income. Here they are, in plain words.
- Low or no credit score The published standard is a 580 score. Below that, or with no score at all, a file can still be reviewed as an exception. Here is how it works.
Get connected
Every application goes to an EEP-certified loan originator.