EZ Program: 12 months Good Rent payments may get you into a home. Start building Equity when Traditional Mortgages are not an Option.
A 2-year Equity Builder program for homebuyers who don't qualify for a traditional mortgage. This is not a loan, but a 40-year contract for deed with Equitable Title Interest that lets you retain your equity, decorate your home as you see fit and fall in love with your home-all while maintaining your equity.
EZ CLOSING REAL ESATE AGENTS
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Find a Home
Once you have a pre-qual letter from one of our Gold Mortgage Loan Originators find a house that is in good condition. Make an offer preferably requesting the seller to pay 5% of the purchase price toward the buyers closing costs. See property requirements on the below link.
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Differences
Once the buyer has settled into their new home and is enjoying it, they are encouraged to stay on the financial path outlined by their Loan Originator. While home equity is never guaranteed, the goal is that within two years, substantial equity will be built and their financial situation will allow for a refinance into a traditional loan.
Although buyers are always free to choose any Loan Officer, it is strongly recommended to continue working with the expert Loan Originator who guided them through the homebuying process. This professional is already familiar with their situation and remains committed to their long-term success.
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Get Buyer Pre-qualified for EZ
The EZ program is different from a standard mortgage. Please make sure the buyer is pre-approved through one of our fantastic Loan Originators and has a written pre-qual letter. Before making any offers. Once pre-approved we should be able to close within 3 weeks, but prefer 30 days if possible. Buyers can apply here:
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Gold Mortgage a division of Canopy Mortgage, LLC NMLS 1359687, 8282 S Memorial Dr, Suite 102, Tulsa, OK 74133
All loans subject to credit and property approval.
TULSA 918-806-8200 * CLAREMORE 918-973-1133 * WICHITA 316-665-7334 * Geismar 225-217-1427