Easy Qualifier (EQ) Credit Program

The Credit Program, referred to as the Easy Qualifier (EQ) Program, is a proven system that can help just about anyone realize the dream of home ownership. If you have been a victim of bankruptcy, foreclosure, repossession, or have distressed credit from any other act that may have damaged your scores, you still may be among the millions of people who qualify for a home loan, but just don’t know it.

The EQ Program is not a one size fits all concept.  Upon enrolling in the program Lockett-N-Homes will:

  • Develop a personalized plan for home loan qualification
  • Satisfy specific items on credit report preventing approval
  • Evaluate debt ratios for maximum approval amount
  • Education on loan approval and home buying process

The EQ Program will also identify where you currently stand in regards to getting a home loan.  Based on the time frame you would like to become a home owner, a plan will be put together that allows you to establish yourself financially, achieve the necessary credit score to get you pre-qualified, and find the house that fits you and your family.

The benefits of participating in the EQ program do not end with just home ownership.  This program will also educate the buyer on the do’s and don’ts for purchasing a home, how to identify the true value of a house, how to use basic day to day expenses such as your electricity and water bill to actually INCREASE your credit score, and so much more!

With your enrollment in the EQ Program, you may also qualify for several different down payment assistance programs.

Easy Qualifier Program

For more information about the EQ Program or to speak to a sales agent that can provide more information, please contact us to get your questions answered.


When I called Lockett-N-Homes I honestly thought I would not be able to purchase. My credit was not half as bad as I thought it was, but I was concerned because I have never purchased a house and didn't know anything about the process. Sharon and the rest of the staff made sure I understood everything. At times it would get frustrating because every time I thought things were done, more info was needed. Sharon was very patient in explaining everything to me, and I am happy that she took as much time as she did to educate me on this process. The down payment assistance / cash back program that Sharon gave me was very helpful in assisting with my closing costs. Thanks to Sharon and the entire staff for going above and beyond, I appreciate all the time and energy you have put into helping me with my first purchase.
D. Butler
Ft. Worth, TX