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Frequently Asked Questions

Real answers for real buyers. Covering everything from how the program works to who qualifies, what documents you need, and how to get started.

  • 29 questions
  • 8 categories
  • Updated May 2026

Categories

About BuyhouseEZ

4

Who We Help

4

Qualification & Docs

6

Property & Closing

5

Realtor Partners

4

Broker Partners

2

States & Availability

2

Getting Started

2

1

Category 01

About BuyhouseEZ Financing

Q1 What is BuyhouseEZ financing?
BuyhouseEZ is a private licensed home financing program for buyers who are financially ready to buy a home but may not qualify through traditional bank financing. The program is designed for buyers such as ITIN holders, self-employed workers, credit invisible borrowers, and people with nontraditional documentation.
  • Private lending structure with flexible underwriting
  • Alternative income and payment history may be reviewed
  • Minimum 10% down payment is required
  • Final approval is subject to underwriting, property review, and contract terms

No. BuyhouseEZ is not a traditional bank mortgage program. It uses private lending and Non-QM mortgage guidelines to evaluate buyers who may be strong candidates for homeownership but do not fit the standard bank approval model.

  • This can help buyers who are turned down because of ITIN status
  • This can help buyers with self-employment income
  • This can help buyers with limited or invisible credit history

A Non-QM mortgage is a home financing option that does not follow the same agency guidelines used by most conventional loans. Non-QM financing can allow lenders to review alternative documentation, private underwriting factors, and real financial readiness instead of relying only on a traditional bank checklist.

  • Non-QM stands for Non-Qualified Mortgage
  • It may help buyers who do not meet conventional mortgage rules
  • It still requires underwriting, documentation, and affordability review

BuyhouseEZ is different because the program focuses on practical financial readiness instead of only conventional credit and income requirements. The buyer still needs to prove affordability, income stability, down payment funds, and ability to manage the monthly payment.

  • ITIN may be accepted
  • Credit invisible buyers may be considered
  • Self-employed income may be reviewed with alternative documentation
  • Designed to help realtors and buyers save deals that traditional financing cannot solve

2

Category 02

Who BuyhouseEZ Helps

Q1 What is BuyhouseEZ financing?
BuyhouseEZ is a private licensed home financing program for buyers who are financially ready to buy a home but may not qualify through traditional bank financing. The program is designed for buyers such as ITIN holders, self-employed workers, credit invisible borrowers, and people with nontraditional documentation.
  • Private lending structure with flexible underwriting
  • Alternative income and payment history may be reviewed
  • Minimum 10% down payment is required
  • Final approval is subject to underwriting, property review, and contract terms

No. BuyhouseEZ is not a traditional bank mortgage program. It uses private lending and Non-QM mortgage guidelines to evaluate buyers who may be strong candidates for homeownership but do not fit the standard bank approval model.

  • This can help buyers who are turned down because of ITIN status
  • This can help buyers with self-employment income
  • This can help buyers with limited or invisible credit history

A Non-QM mortgage is a home financing option that does not follow the same agency guidelines used by most conventional loans. Non-QM financing can allow lenders to review alternative documentation, private underwriting factors, and real financial readiness instead of relying only on a traditional bank checklist.

  • Non-QM stands for Non-Qualified Mortgage
  • It may help buyers who do not meet conventional mortgage rules
  • It still requires underwriting, documentation, and affordability review

BuyhouseEZ is different because the program focuses on practical financial readiness instead of only conventional credit and income requirements. The buyer still needs to prove affordability, income stability, down payment funds, and ability to manage the monthly payment.

  • ITIN may be accepted
  • Credit invisible buyers may be considered
  • Self-employed income may be reviewed with alternative documentation
  • Designed to help realtors and buyers save deals that traditional financing cannot solve

3

Category 03

Qualification and Required Documents

Q9 Qualification and Required Documents
A buyer generally needs a minimum 10% down payment, proof of income, rent history, identification, ITIN or SSN, and filed federal tax returns. The exact documentation depends on the buyer profile and underwriting review.
  • 10% minimum down payment
  • Income documentation for the required review period
  • Rent history, usually supported by payment records
  • Government-issued identification
  • ITIN or SSN
  • Filed U.S. federal tax returns when required

The minimum down payment is 10% of the purchase price. For example, a $300,000 home would require a $30,000 down payment before closing costs and other transaction expenses.

  • The down payment may come from personal savings
  • Gift funds may be considered if properly documented
  • Buyers should also plan for closing costs, inspections, appraisal, and reserves

BuyhouseEZ can review different types of income documentation depending on how the buyer earns money. The purpose is to verify that the buyer can afford the home and sustain the monthly payment.

  • W-2 income
  • 1099 income
  • Personal or business bank statements
  • Self-employment records
  • Profit and loss information when applicable
  • Federal tax returns when required

Rent history helps show that the buyer has a track record of making housing payments consistently. For credit invisible buyers, rent history can be especially important because it may help demonstrate financial responsibility outside of a traditional credit score.

  • Landlord letters may be used
  • Payment records may be requested
  • Consistent on-time rent payments strengthen the file

The qualification review can typically begin once the required documents are submitted. Timing depends on file completeness, underwriting questions, property details, and how quickly requested items are provided.

  • Complete files move faster than incomplete files
  • Missing documents can delay review
     

If a buyer does not qualify for the home they want, BuyhouseEZ can help identify the reason and the next practical path. The buyer may need a lower purchase price, more income, a stronger co-borrower, more savings, or additional documentation.

  • Look for a more affordable home
  • Strengthen income documentation
  • Increase savings or down payment funds

4

Category 04

Property, Ownership, and Closing

Q15 What types of homes does BuyhouseEZ finance?
BuyhouseEZ is intended for owner-occupied home purchases that meet the program requirements. The home should be safe, livable, and appropriate for financing under the applicable state and underwriting guidelines.
  • Owner-occupied homes only
  • Move-in ready properties are preferred
  • Property review and appraisal requirements apply

No. BuyhouseEZ is not designed for major fixer-upper or renovation projects. The property should be move-in ready and meet inspection and underwriting expectations before financing is approved.

  • This protects the buyer from major immediate repair risk
  • This helps underwriting confirm the property is suitable collateral
  • Minor cosmetic updates after purchase are different from major required repairs

Yes. After purchase, the homeowner may make improvements to the property as long as the work follows local building codes, permit requirements, and any contract obligations.

  • Improvements can help build equity
  • Major projects should be planned carefully
  • Local rules and permit requirements should be followed

Yes. The buyer owns the home and may sell it, subject to the loan contract and normal transaction requirements. When the home is sold, the loan balance and transaction costs must be paid from the sale proceeds before remaining equity is received.

  • Ownership and equity are real
  • The sale process can be handled with or without a realtor
  • Loan payoff and closing costs apply

No. BuyhouseEZ does not charge any prepayment penalties.

  • Buyers may have flexibility to pay off or refinance later
  • Program changes may apply at any time

5

Category 05

Realtor Partner Questions

Q20 How does BuyhouseEZ help realtors?
BuyhouseEZ helps realtors recover buyer opportunities that may be lost when a traditional lender says no. The program gives realtors an alternative path for qualified buyers who are financially ready but do not fit conventional mortgage guidelines.
  • Helps with ITIN buyer scenarios
  • Helps with self-employed buyer scenarios
  • Helps with credit invisible buyer scenarios
  • Supports deal rescue and long-term referral relationships

A realtor should refer buyers who have income, savings, and motivation to buy but were rejected or delayed by traditional financing. The strongest referrals are buyers who can document income, have rent history, and have at least 10% down payment available.

  • Buyer has 10% down payment or a path to it
  • Buyer has stable income but nontraditional documentation
  • Buyer has ITIN instead of SSN
  • Buyer has limited credit but strong payment history
After a referral is submitted, the BuyhouseEZ team reviews the buyer profile, gathers required documents, evaluates affordability, and communicates next steps. The goal is to keep the realtor informed while making the process clear for the buyer.
  • Buyer profile is reviewed
  • Documents are requested
  • Affordability and eligibility are evaluated
  • Realtor relationship ownership is respected during follow-up

Realtors should keep BuyhouseEZ as a referral partner because many buyers who cannot qualify today may still be financially ready with the right alternative underwriting path. BuyhouseEZ gives realtors a way to serve more buyers without forcing every client into the same bank lending box.

  • Supports more inclusive homeownership
  • Creates a solution for difficult financing scenarios
  • Helps realtors protect future pipeline
  • Builds deeper referral relationships over time

6

Category 06

Mortgage Broker Partner Questions

Q24 Can mortgage brokers partner with BuyhouseEZ?
Yes. BuyhouseEZ can work with independent mortgage brokers when there is a qualified buyer scenario that does not fit the broker’s traditional lending options. Broker participation should follow the approved referral process, company-to-company agreement, and compliance requirements.
  • Useful for declined or stuck borrower scenarios
  • Referral compensation should be handled through the broker company when approved
  • All records and communication should be documented in the CRM

A good broker scenario is a buyer who is financially ready but blocked by conventional guidelines. Common examples include ITIN buyers, self-employed buyers with complex income, credit invisible buyers, or borrowers who need alternative documentation review.

  • The buyer must still prove affordability
  • The buyer must have the required down payment
  • The property must meet program requirements
  • Treat the broker channel as a learning and relationship channel, not only a deal channel

7

Category 07

States and Availability

Q26 In which states does BuyhouseEZ currently offer financing?
BuyhouseEZ currently offers financing in Indiana, Texas, Georgia, New Mexico, Colorado, Michigan, Missouri, Tennessee, Kansas, and Nebraska.
  • Priority revenue focus for 2026 includes Indiana, Michigan, and Texas
  • Availability should always be confirmed before quoting a buyer
  • State licensing and product rules may change

No. BuyhouseEZ should only market and originate in states where the company is properly licensed and authorized. Buyers, realtors, and brokers should contact the team to confirm current availability in their state before moving forward.

  • Licensing controls availability
  • State-specific rules may affect contract terms
  • Contact the team to confirm availability in your state

8

Category 08

Getting Started

Q28 How can a buyer start with BuyhouseEZ?
A buyer can start by contacting BuyhouseEZ and sharing basic information about income, down payment funds, rent history, state, and homebuying timeline. The team can then explain what documents are needed for the next step.
  • Website: buyhouseez.com
  • Phone: 1-888-556-9639
  • Email: info@ownez.com
  • Prepare income, rent, tax, and savings documentation

A realtor or broker can refer a client by contacting BuyhouseEZ and providing the buyer’s basic scenario, state, property status if applicable, and the reason traditional financing did not work. The better the initial context, the faster the team can identify the right next step.

  • Include buyer state and target purchase price
  • Include down payment availability
  • Include income type and documentation challenge
  • Include whether the buyer has ITIN, SSN, or credit limitations

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