Technology-Driven Home Financing for Creditless Prospective Homeowners

Being shut out by traditional home lenders is tough.

Every year, millions of families are shut out from traditional home financing thanks to their non-traditional financial profiles. They might be “credit invisible,” having missed the bus on building credit in their early twenties and thirties. Others might rely on an ITIN in place of a standard Social Security Number, making their credit effectively unscorable.

For most of these families, financing a home is not a matter of affordability—they have the financial means to pay back their loans, but traditional home lenders refuse to give them the time of day. Many of these families see chronic renting as their only option, but we’re here to offer them a better way.

At BuyHouseEZ, we understand the challenges that non-traditional homebuyers face. Our program is designed to empower and support non-traditional homebuyers to overcome the barriers their unique financial profiles create, all while offering lenders sound but meaningful investments.

What makes OwnEZ® unique?

1. Accessibility for credit invisible or nonscorable Borrowers: OwnEZ® offers a lifeline for individuals who cannot meet traditional lending criteria. We offer a customized approach that recognizes and values the diverse financial backgrounds of those with a limited or unscorable credit history.
2. Innovative Screening Technology: OwnEZ® leverages a proprietary, non-discriminative screening algorithm to streamline the underwriting process. The KeyEZ system utilizes advanced data analytics and a user-friendly digital platform to empower individuals with diverse financial backgrounds, helping them navigate their path to homeownership with ease and confidence.
3. A Simplified Path to Homeownership: We transform the complex maze of home buying into a clear, straightforward path. Our BuyHouseEZ® program educates and guides customers through every step of the financing process, ensuring they feel confident and well-informed from application to closing.

In just four years, we've helped hundreds of financially diverse families achieve homeownership.

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