Earned Equity Program (EEP)

Proprietary FHA-Affiliated Lease-Option Program

EEP is a bridge to homeownership for borrowers who CAN afford the payment but don't fit a traditional box.

Self-employed? 1099? Gig work? Non-traditional income?

There are countless reasons a borrower who has the ability to make a housing payment may not fit neatly within traditional mortgage guidelines.

But a “no” from traditional financing doesn't always have to be the end of the homeownership conversation.

The Earned Equity Program (EEP) gives borrowers another path forward toward full homeownership.

Each monthly payment builds equity while the purchase option price decreases over time, and when the borrower is ready, they can assume the existing FHA loan, refinance with new financing, or pay off the remaining balance — keeping 100% of the home's appreciation. There is no shared equity.

How It Works

Choose the home you want to buy.

A government entity purchases it using FHA financing.

You move in.

You enter a homeownership agreement, recorded at the county,

that establishes your path to ownership.

Build equity.

Each monthly payment builds equity

while the purchase option price decreases over time.

Take full ownership.

When ready, you assume the loan, refinance, or pay off the balance

— and keep 100% of the appreciation

Who benefits most from these unique programs?

The VOE-Only program is best suited for borrowers with consistent, traceable employment income that is not easily documented through traditional means, such as cash-paid employees, contractors, or individuals with variable income structures.

The EEP program is designed for renters looking to bridge the gap to homeownership by building equity and improving creditworthiness through a structured lease-to-own approach.

If you find yourself in one of these situations, our unique programs could be the perfect fit for your financial goals.