EEP

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Homeownership Section

Success Story

Homeownership Made Possible—
Even Without a Mortgage

Credit challenges? Self-employed? Been turned down? The Earned Equity Program (EEP) helps you lease your dream home today—with the option to buy it later.

David & Jennifer Chen

San Francisco, CA

“Being on an H1-B visa made getting a mortgage nearly impossible. EEP understood our situation and helped us get into our home.”

Time in Program

6 months

Key Outcome

Green card approved, planning to purchase

David & Jennifer Chen

San Francisco, CA

“Being on an H1-B visa made getting a mortgage nearly impossible. EEP understood our situation and helped us get into our home.”

Time in Program

6 months

Key Outcome

Green card approved, planning to purchase

Read all success stories

Self-Employed? Turned Down? Get Approved With as Little as 3.5% Down

We help self-employed and first-time buyers—even if you have 1099 income, low credit, or recent job changes.

★ ★ ★ ★ ★

“They used my bank statements instead of paystubs—total game changer.”

— Brenda, Miami

★ ★ ★ ★ ★

“I’m a contractor with 1099 income. Two banks said no. They were able to say yes to me.”

— Daniel, Phoenix

★ ★ ★ ★ ★

“We only had 3 months of job history. No one else would help.”

— Lena & Marc, Austin

Approvals down to 560 credit score

Only 3 months of employment or bank statements

Fixed rates – No surprises

Single-family homes, condos, manufactured homes & more

ITIN holders, non-permanent residents, W2, 1099, or bank statement income accepted

Ready to Own?

Self-Employed? Turned Down? Get Approved With as Little as 3.5% Down

We help self-employed and first-time buyers—even if you have 1099 income, low credit, or recent job changes.

★ ★ ★ ★ ★

“They used my bank statements instead of paystubs—total game changer.”

— Brenda, Miami

★ ★ ★ ★ ★

“I’m a contractor with 1099 income. Two banks said no. They were able to say yes to me.”

— Daniel, Phoenix

★ ★ ★ ★ ★

“We only had 3 months of job history. No one else would help.”

— Lena & Marc, Austin

Approvals down to 560 credit score

Only 3 months of employment or bank statements

Fixed rates – No surprises

Single-family homes, condos, manufactured homes & more

ITIN holders, non-permanent residents, W2, 1099, or bank statement income accepted

Simple. Fast. Powerful.

1.Apply in 60 Seconds

No hard automatic credit pull.

2.Review Options Built for You

Use bank statements, 1099s, or W2s—whatever reflects your real income.

3.Own Your Home

Start with low down payment. Build equity while living in the home.

Mortgage Timeline

Detailed Process & Timeline

Understanding your complete journey from application to homeownership

STEP 1 Apply Online

Answer a few simple questions about your income, credit, and goals. Our application process is designed to be quick and straightforward – no mountains of paperwork or endless document requests.

Takes just 5–10 minutes to complete
Soft credit check - won't impact your score
Flexible income verification options

What You'll Need:

• Proof of income (W-2, 1099, bank statements)
• Current address and rental history
• Basic financial information
• Your homeownership goals and timeline

What You'll Need:

• Proof of income (W-2, 1099, bank statements)
• Current address and rental history
• Basic financial information
• Your homeownership goals and timeline

STEP 2 Get Matched

We analyze your profile and connect you with the best-fit mortgage options based on your needs and qualifications.

Personalized recommendations
Compare offers side-by-side
Secure pre-approvals

STEP 3 Finalize & Close

Once you choose your mortgage offer, we guide you through closing so you can move into your new home with confidence.

Dedicated mortgage advisor
Transparent fees and timelines
E-sign and close remotely

What You'll Need:

• Final property documents
• Signed loan agreement
• Homeowner’s insurance
• Funds for closing costs

Timeline to Homeownership

Your Timeline to Homeownership

Day 1–3

Application submitted and reviewed

1

Week 1–4

Home search and selection process

2

Week 4–6

Home inspection and purchase process

3

Move-in Day

Start building your future in your new home!

✓

Home Loan Concerns

Worried About Getting Approved?

We hear these concerns every day from people just like you.

📉

"I write off too much"

My taxes show low income — it’s hard to qualify even though I earn more.

🚀

"I'm newly self-employed"

Just started my own business — and now lenders won’t consider me reliable.

💰

"I have savings, but still denied"

I’ve saved up 5% or more for a down payment — but still get rejected.

📄

"My paystubs don’t reflect the real picture"

My income looks low on paper, but it doesn’t reflect what I actually earn.

📊

"I’m a gig or 1099 worker"

Being a contractor shouldn't mean getting shut out — but it often does.

🧠

"They don’t understand my situation"

I earn enough — but lenders don’t get how my finances work.

We specialize in helping real people like YOU qualify and buy homes — even with non-traditional income or unique work situations.

Buyers Like You

Designed for Buyers Like You

Self-employed or newly 1099

First-time buyers

Credit scores as low as 560

Just 3.5% down

ITIN borrowers & non-permanent residents

Turned down by other lenders

Only 3 months of bank statements or job history needed

Ready to Stop Renting and Start Owning?

Get Pre-Qualified in 60 Seconds — Even If Others Said No

Get Started Now

Frequently Asked Questions

What credit score do I need?

We accept scores as low as 560.

I'm 1099/self-employed. Do I qualify?

Yes—bank statements, 1099s, or even recent income can help you qualify.

Do I need 2 years of tax returns?

Nope. Most qualify with just 3 months of documents.

How much do I need for a down payment?

How much do I need for a down payment?As little as 3.5% down.

What types of homes can I buy?

Single-family, condos, duplexes—even manufactured homes.

Can ITIN borrowers qualify?

Yes! We work with ITIN holders, permanent & non-permanent residents.

What if I was denied before?

That's why we exist—to help people other lenders overlook.

Experts in various loan programs to Help YOU!

Accept Bank Statements or Alternate Docs

Fixed Rates, No Surprises

Fast Pre-Qualification

Real Humans. Real Help. Real Results.

CloseHomeFast.com

Serving buyers across the U.S. | Based in Houston, TX

📞 (281) 939-5191 | ✉️ [email protected]

NMLS #1234567 | Dustin Carlson NMLS #987654

Equal Housing Lender – We do business in accordance with the Federal Fair Housing Law.

🔗 State Licenses & Disclosures

Homeownership Made Possible—
Even Without a Mortgage

Self-Employed? Turned Down? Get Approved With as Little as 3.5% Down

Self-Employed? Turned Down? Get Approved With as Little as 3.5% Down

Simple. Fast. Powerful.