Open Market

Pre-Qualification Application

Shop any home on the open market. We purchase it and sell it to you through owner financing—no perfect credit required. Fill out the form below and a bilingual team member will reach out within 24 hours.

Takes 3–5 minutesNo hard credit pullBilingual supportInformation kept confidential

ℹMinimum home price: $150,000+ — Our programs are designed for homes priced at $150,000 and above.

Applying For

Open Market

Shop any home on the open market

8–11% fixed rate, 30-year term

Deed in your name at closing

No balloon payments or prepayment penalties

Contact Information

First Name *

Last Name *

Email Address *

Phone Number *

Date of Birth *

Preferred Language *

Current Address

Street Address *

City *

State *

Zip Code *

Current Living Situation *

Current Rent / Mortgage Payment *

Personal Details

Your information is kept strictly confidential and used only for qualification purposes.

SSN or ITIN *

Marital Status *

Active Military or Veteran? *

Filed taxes in the last 2 years? *

Do you have a bank account? *

Do you have existing mortgages? *

Co-Applicant

Are you applying with a co-applicant? *

Employment & Income

Current Employer Name *

Employer Phone *

Length of Employment *

Employment Type *

Total Monthly Household Income (gross, before taxes) *

Enter your combined household income from all sources — wages, salary, commission, bonuses, Social Security, alimony, child support, rental income, or any other regular income.

Monthly Debt Obligations

Enter $0 if not applicable.

Total Auto Loan Payments *

Total Min. Credit Card Payments *

Total Student Loan Payments *

Other Monthly Loan Payments *

Financial Details

Available Funds for Down Payment ($30,000+ in available funds) *

Includes savings, 401(k), retirement accounts, or gift funds.

Have you had an eviction, bankruptcy, or foreclosure in the last 2 years? *

Property & Timeline

When are you looking to move? *

Target Market *

Neighborhood Preferences (optional)

Have you already identified a property? *

Are you working with a real estate agent? *

Documentation

Upload clear photos or scans. Accepted formats: JPG, PNG, PDF. Both documents are required.

Government-Issued Photo ID *

Driver's License, Passport, or ITIN card

Choose file

Proof of Available Funds *

Bank statement, 401(k) statement, or gift fund letter

Choose file

Additional Information

Preferred Contact Method *

Questions or Comments (optional)

Signature & Consent

Type Your Full Legal Name as Signature *

By submitting this application, I acknowledge and agree that:

Equidad Homes is authorized to collect and review the information provided.
Equidad Homes and its licensed Residential Mortgage Loan Originator (RMLO) are authorized to perform a soft credit inquiry on my behalf as part of the pre-qualification process. This soft pull does not affect my credit score.
Submission does not guarantee program approval or financing. All programs are subject to eligibility and underwriting requirements.
My information may be shared with a licensed Residential Mortgage Loan Originator.
Equidad Homes is authorized to verify my employment and income information.
All information provided is accurate and complete to the best of my knowledge.
Equidad Homes is not a traditional lender. Owner-financing and lease-option programs are distinct from conventional mortgage products.

I consent to all of the above, including the soft credit inquiry, and I agree to receive calls and text messages from Equidad Homes and its representatives regarding my application and homeownership options. Message and data rates may apply. Reply STOP to opt out of text messages at any time. I also agree to Equidad Homes' Privacy Policy and Terms & Conditions.

Questions? Call us at 1 (866) 311-8120 · Monday–Saturday · English & Spanish

What Happens Next

We Review

A team member reviews your application within 24 hours and confirms your pre-qualification.

We Connect

We call you to walk through your options, answer questions, and outline next steps.

You Shop

Once pre-qualified, start shopping any home on the open market—up to your approved amount.

Equidad Homes is not a traditional lender. All programs are subject to eligibility and underwriting requirements. Se habla español.