The Earned Equity Program (EEP) is a lease-to-own path to homeownership offered through All Western Mortgage (NMLS #14210). A government agency buys the home the client selects with an FHA-insured mortgage and holds title while the client moves in and builds payment history. A program administrator manages the agreement and the path to full ownership. You can later assume the FHA mortgage, refinance, apply for a new EEP loan, or purchase traditionally.
Reviewed by Steven Kent, NMLS #1621847 · All Western Mortgage, NMLS #14210 · Last updated October 13, 2026
ITIN buyers, DACA buyers, self-employed / 1099 buyers, recently hired W-2 buyers, and buyers with credit challenges or alternative credit are among the scenarios described for EEP. Not all homebuyers or properties qualify.
For Realtors & Builder Sales Reps
Some buyers get told to wait a year and come back. EEP gives challenged borrowers a lease-to-own path with about 3.5% down — move in now, build payment history, and take title when they're ready — while you keep the deal.
A lease-to-own path to ownership — structured, transparent, and built for buyers who don't fit the traditional box yet.
Challenged borrowers can get into a home with roughly 3.5% down through the program’s FHA-insured structure — one of the clearest reasons partners reach for EEP.
For buyers traditional loans turn away, EEP gives you a real path instead of a dead end.
SFR, PUD, attached or detached, modular, manufactured doublewide, 1–2 units, townhomes, and FHA-approved condos.
Up to 6% seller concessions are permitted per program materials.
The contract is written normally with the client as buyer; an Assignment Addendum at ratification assigns to the program’s designated buyer entity. Home warranty, home inspection, and termite inspection are required at contract, with health/safety repairs completed before purchase.
The down-payment story is the hook — about 3.5% down across these scenarios.
Call Steven before writing the buyer off — a quick conversation tells you whether EEP fits.
Talk through inspection, repair, and closing-timeline expectations with the seller up front.
The client moves in, builds payment history, and works toward taking title.
Same-day responses, fully underwritten pre-approvals, and co-marketing support.
Visit the partner hubEEP is a lease-to-own homeownership path — not a rental and not a traditional purchase.
The Earned Equity Program is a lease-to-own homeownership path — not a rental and not a traditional purchase.
Buyers typically put about 3.5% down — a key advantage for credit-challenged, self-employed, ITIN/DACA, and other buyers traditional lending turns away.
A tri-merged credit report with a minimum qualifying score of 580 is required; not all homebuyers or properties qualify.
ITIN buyers, DACA buyers, and self-employed / 1099 buyers are among the scenarios described for EEP. Not all homebuyers or properties qualify.
The path: Move in → Build equity and payment history → Choose an exit path (assume the FHA mortgage, refinance, apply for a new EEP loan, or purchase traditionally) → Take title.
The listed exit options are: assume the FHA mortgage, refinance, apply for a new EEP loan, or purchase traditionally.
SFR, PUD, attached or detached, modular, manufactured doublewide, 1–2 units, townhomes, and FHA-approved condos. Properties must meet FHA appraisal requirements, and FHA county loan limits apply. Not all homebuyers or properties qualify.
Closing is typically longer than a conventional purchase — confirm the timeline with Steven before setting seller dates.
The contract is written normally with the client as buyer; an Assignment Addendum at ratification assigns to the program’s designated buyer entity. Home warranty, home inspection, and termite inspection are required at contract, with health/safety repairs completed before purchase.
Fifteen minutes on the phone tells you whether EEP keeps your deal alive.
Steven Kent · NMLS #1621847 · All Western Mortgage · NMLS #14210 · Subject to credit, underwriting, property, and program guidelines · Not a commitment to lend · Not all buyers or properties qualify