Stop Renting.
Start Building Equity Now.
The Earned Equity Program lets qualified buyers purchase any home on the market — with as little as 3.5% down — even without a perfect credit history or FICO score.
* No FICO score required in qualifying scenarios · Non-resident aliens, work permit holders & ITIN holders welcome · Calls only: 954-400-0488
This exclusive program is brought to you by
This Is NOT a "Rent-to-Own" Program
Typical rent-to-own programs are completely different. The Earned Equity Program is a real FHA-based mortgage with full legal ownership protections from day one.
| ❌ Typical Rent-to-Own | ✅ Earned Equity Programvia MyFloridaMortgages · Jorge Malo |
|---|---|
| ✗ Limited to specific homes the company owns | ✓ You buy any home you like — any house for sale on the market, chosen with your family and realtor |
| ✗ Often no appraisal — properties are overpriced | ✓ FHA appraisal required — always fair market value, no inflated prices |
| ✗ Payments rarely apply toward the purchase | ✓ Every payment builds equity — your loan balance drops from day one |
| ✗ No guaranteed path to ownership | ✓ Ownership rights protected by a recorded Memorandum on title |
| ✗ The company can walk away or sell the home | ✓ Tribal Agency holds title in trust — fully legal structure, you are protected |
| ✗ May not require income qualification | ✓ Real income qualification — just like a standard mortgage, fully transparent |
| ✗ Home appreciation may go to the company, not you | ✓ 100% of all appreciation is yours — you keep every dollar of growth |
| ✗ No credit support or exit plan if things go wrong | ✓ Jorge personally helps you become mortgage-ready as fast as possible |
Questions? Call Jorge directly at 954-400-0488 — he'll walk you through your situation in minutes.
How the Earned Equity Program Works
Simple, transparent, and fully legal. Here's your path from renter to homeowner.
Get Pre-Qualified Based on Your Income
Jorge analyzes your income, debts, and qualifying factors — just like any mortgage. This tells you exactly how much home you can afford. You must have income to qualify. This is a real mortgage, not a gimmick.
Choose Any Home for Sale on the Market
Work with your own realtor to find and negotiate any single-family home up to your qualifying amount. You're not limited to a specific list — the entire MLS is available to you.
The FHA Loan Is Originated Under the Tribal Agency
At closing, the Tule River Homebuyer Earned Equity Agency (a federally chartered Section 17 corporation) takes title and becomes the FHA borrower. You provide 3.5% down plus closing costs and take immediate possession.
You Move In — Your Ownership Is Legally Protected
A Memorandum of Agreement is recorded on public title records, legally protecting your equitable ownership interest. You pay the mortgage, maintain the home, and live in it as the owner in every practical sense.
Jorge Personally Helps You Become Mortgage-Ready
You're not alone. Jorge works with you to improve your credit, reduce liabilities, and build the profile needed to exit the program. The minimum program period is just 8 months — the goal is to get you out as fast as possible.
Assume or Refinance the Loan Into Your Name
When you qualify (minimum 8 months, typically 12–24 months), you assume the FHA loan or refinance under your own name. The Agency transfers the deed and you become the full legal homeowner. Done.
Introductory Video
A quick overview — perfect for sharing with clients or realtors via text or email.
Jorge Personally Guides You to Mortgage Readiness
Most programs leave you on your own once you close. Not this one. Jorge works with you from day one to help you qualify for your own loan as quickly as possible.
Credit Analysis
Jorge reviews your full credit profile and identifies exactly what needs to improve for you to qualify
Credit Improvement Plan
If low credit was the barrier, Jorge creates a personalized action plan to raise your score efficiently
Regular Check-ins
Periodic reviews so you always know where you stand and what to do next to exit the program
Exit as Fast as Possible
Minimum is 8 months — Jorge's goal is to get you into full ownership in your own name ASAP
Who This Program Is Built For
Buyers who have income but face credit, documentation, or immigration barriers — this program opens the door to real homeownership today.
Only 3.5% Down
FHA-based low down payment. Sellers can contribute up to 6% toward your closing costs.
No FICO Score Required*
No score? Qualify with 2 alternative 12-month tradelines. Or 580+ FICO with no tradelines. Below 580 reviewed case by case — even 530 has qualified.
Any Home on the Market
Not limited to specific properties. Shop the full MLS with your own realtor.
100% Equity is Yours
All appreciation and principal reduction belongs entirely to you from day one.
Non-Resident Aliens Welcome
Work permit holders, asylum seekers, and ITIN holders accepted. Jorge speaks Spanish.
DTI Up to 60%
Higher debt-to-income ratios accepted — ideal for buyers disqualified elsewhere.
Recent Bankruptcy & Tax Liens OK
Not automatic disqualifiers. Every situation is reviewed on its own merits.
Gift Funds Allowed
Down payment can come from a family gift or other approved source.
All Income Types Accepted
W-2, self-employed, 1099, bank statement, rental, ITIN, and Social Security all work.
*No-FICO scenario requires 2 alternative 12-month tradelines (rent, utilities, insurance). 580 FICO scenario requires no tradelines.
Do You Qualify?
A clear look at what this program requires — and what it doesn't.
✅ What You Need
- › Verifiable income (W-2, 1099, self-employed, ITIN, bank statements, rental, Social Security)
- › No FICO score (with 2 alternative tradelines) OR 580+ FICO
- › Non-resident aliens accepted — work permits, asylum seekers, ITIN holders
- › 3.5% down payment (gift funds from family allowed)
- › Closing costs (up to 6% seller concessions allowed)
- › DTI up to 60%
- › Intent to use as primary residence
⚠️ Important Limitations
- › No down payment assistance programs — funds from buyer, gifts, or seller only
- › Primary residence only — no investment or vacation properties
- › Single-family homes (FHA-eligible)
- › Loan amount subject to FHA county limits
- › Minimum 8-month program period before assumption
- › Cannot sublease or transfer without Agency approval
- › Homeownership counseling may be required
What You Should Know
Full transparency — no surprises at closing.
📌 The Tribal Agency Structure Is the Key
The Tule River Homebuyer Earned Equity Agency — a federally chartered Section 17 corporation — temporarily holds title and the FHA loan. Fully legal. The Agency is not a landlord. You are the equitable owner from day one.
📌 Your Ownership Is Legally Recorded on Title
A Memorandum of Agreement is recorded in the public land records of your county — this legally protects your equitable interest. You have the right to purchase the home at any time, or to assume the loan once you qualify.
⚠️ No Down Payment Assistance Programs
This loan's unique structure is not compatible with DPA programs (FL Assist, FL HLP, etc.). However, gift funds from family are allowed, and sellers can contribute up to 6% toward closing costs.
⚠️ You Must Qualify on Income — This Is a Real Mortgage
This is for buyers who have income but face credit or documentation barriers — not for those who cannot afford a mortgage payment. Jorge will review your situation honestly before you proceed.
📌 Monthly Payment Is Fully Disclosed Upfront
Your payment includes principal & interest (40-year amortization), taxes, insurance, MIP, and a small program fee. All disclosed in writing in the Cost Disclosure before you sign anything.
Stop Losing Buyers to Credit Barriers.
This Program Changes Everything.
MyFloridaMortgages has exclusive access to the Earned Equity Program. Your clients who were "not ready" can close today — and you earn your full commission.
Which Clients Can You Bring?
Recovering Credit
Income-qualified buyers with past BKs, collections, or tax liens
ITIN / Non-Resident Aliens
Work permit holders, asylum seekers, buyers without a Social Security number
No FICO Score
Buyers who don't appear in credit bureaus but have strong income and payment history
Self-Employed / 1099
High earners who can't show income the way traditional lenders require
Recent Life Events
Buyers rebuilding after divorce, medical debt, or recent bankruptcy
High DTI
Qualified earners whose debt ratio disqualifies them from conventional programs
✅ How It Works for You
- Client picks any home on the MLS — just like a regular buyer
- Write offers, negotiate, and go to contract as normal
- Standard FHA appraisal and inspections — nothing unusual for sellers
- You receive your full commission at closing — no difference
- No special forms or unusual paperwork on your end
- Jorge handles all the mortgage side — you focus on the deal
⭐ Why Work With Jorge
- Exclusive access to this specialized program
- Jorge Malo — 15+ years mortgage experience in Florida and Maine
- Bilingual (English/Spanish) — ideal for your diverse clientele
- Actively works with clients to exit the program fast — your buyer becomes a referral source
- Fast response — call, text, or schedule online
- Turn lost deals into closed deals
Have a Specific Client in Mind?
Call Jorge directly at 954-400-0488, or book a quick 15-minute call. No pressure — just a fast review to see if they qualify.
Frequently Asked Questions
How is this different from renting?
When you rent, 100% of your payment goes to a landlord and builds zero equity. With this program, every payment reduces your loan balance and every dollar of appreciation belongs entirely to you.
What if I have no FICO score at all?
No FICO score is not a problem. You can qualify with 2 alternative 12-month tradelines (rent, utilities, insurance). If you have a 580+ FICO, no tradelines are needed.
I have a work permit or I'm an asylum seeker. Can I use this program?
Yes. Non-resident aliens — including work permit holders and asylum seekers — are welcome. Jorge is bilingual and works with many clients in this situation regularly.
What is the minimum time I have to stay in the program?
The minimum program period is 8 months. Jorge actively helps you become mortgage-ready so you can exit and put the home fully in your name as soon as possible.
What happens if the home goes up in value?
All appreciation is 100% yours. If you buy at $300,000 and it's worth $360,000 when you assume the loan, that $60,000 in equity belongs entirely to you — not the agency.
Can I use down payment assistance?
No — DPA programs (FL Assist, FL HLP, etc.) are not compatible with this structure. However, gift funds from family are allowed, and sellers can contribute up to 6% toward closing costs.
My FICO score is below 580 — can I still qualify?
Cases below 580 are reviewed individually. Strong compensating factors — steady income, low DTI, solid assets — have supported approvals with scores down to 530 in some scenarios. Call Jorge to discuss your file.
Is this available in Florida?
Yes — MyFloridaMortgages is licensed in Florida and Maine and actively places clients in this program. Contact Jorge to discuss FHA limits for your specific county.
Ready to Stop Renting and Start Owning?
Call Jorge directly at 954-400-0488 — it only takes a few minutes to find out if you qualify.
MyFloridaMortgages · Jorge Malo · NMLS #1514830 · FL & ME Licensed · English / Español