First-Class EEP Workflow, Built In.
The Earned Equity Program isn't a checkbox buried in a dropdown. It's a dedicated intake flow with auto-calculated fees, SFA tracking, and VOR gates — native to LFP's Agency track.
Purchase + non-profit + structured financing. One flow.
HUD-Approved Non-Profit
Purchase transaction facilitated by a HUD-approved non-profit entity. The borrower enters a Structured Financing Agreement with the non-profit before transitioning to ownership.
Structured Financing Agreement
The SFA governs the pre-closing lease/contract phase. LFP tracks SFA execution date as a required field and gates the SUBMITTED transition on it.
FHA-Backed, Agency Track
Underlying loan is 30-year fixed FHA (up to 96.5% LTV, min 580 FICO). Uses FHA 4000.1 guidelines, FHA appraisal, TOTAL Scorecard AUS. Handles US citizens, perm residents, and ITIN/DACA borrowers.
Type the purchase price. See the full fee stack.
The EEP intake widget computes every program fee the moment you enter the purchase price. No back-of-envelope math. No missed fees at closing.
- Program underwriting fee$1,250 fixed
- Homeownership Agreement Mgmt Fee0.5% of purchase price
- Occupancy agreement security deposit$100 refundable
- Notary fee$150 fixed
- HOA service fee (if applicable)$250
- Plus 1 month complete contract/lease payment at closing—
Can't advance a stage if the EEP prereqs aren't met.
- REGISTERED → LOCKED: at least 2 documents uploaded (expected VOR and photo ID).
- DISCLOSED → SUBMITTED: Structured Financing Agreement executed date recorded.
- DISCLOSED → SUBMITTED: HUD-approved non-profit entity name populated.
- DISCLOSED → SUBMITTED: AVM value within 10% of full appraised value.
- Florida properties: 4-point inspection + wind mitigation report checklist items auto-attached.
- C4–C5 or pre-1978 properties: Home warranty certificate required before submission.
Ready to close EEP loans with zero friction?
Start a 14-day trial — every program, every workflow, every fee schedule wired in.