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EQ Program Enrollment

EQ Program Client Enrollment

Please complete the following information to enroll in the Easy Qualifier (EQ) Program after you have completed the initial registration form and spoken to one of our team members.

Step 1 of 6 - Client Information

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Name*
First Last
Address*
Street Address Address Line 2 City State ZIP Code
Phone (Cell)*
Phone (Work)
Phone (Home)
Date of Birth*
Social Security Number*
Email*
Marital Status*
Is there a co-applicant?*
- Yes
- No
Co-applicant Information
Name*
First Last
Address*
Street Address Address Line 2 City State ZIP Code
Phone (Cell)*
Phone (Work)
Phone (Home)
Date of Birth*
Social Security Number
Email*
Marital Status*

The Easy Qualifier (E.Q.) home ownership program is sponsored by Lockett-N-Homes. The E.Q. program primarily engages in providing real estate consultation and financial educational services to each client. All consultation services provided to the client will be conducted by employees of Lockett-N-Homes (LNH).The Easy Qualifier (E.Q.) home ownership program is sponsored by Lockett-N-Homes. The E.Q. program primarily engages in providing real estate consultation and financial educational services to each client. All consultation services provided to the client will be conducted by employees of Lockett-N-Homes (LNH). There is a onetime program enrollment fee, and an additional fee of $200.00 if there is a co-applicant. This fee includes recurring consultation by a Lockett-N-Homes trained and certified staff member, or certified affiliate. The consultation services are offered on an as need bases to produce a credit worthy client. The client is entitled to status updates of their account or file at his/her discretion. The LNH staff member may contact the client to: inquire on status of advised and or required actions, request signatures, request actions of the client, or any other activity that will further the progress of home mortgage pre-approval status. Payment of the E.Q. Home Ownership Program is due in full upon enrollment. ** Note: Pre-approval for a home loan may occur as quickly as 30 days, or may extend up to 365 days based on the amount of credit and or debt issues ** Applicant agrees to the following terms:
- To authorize Lockett-N-Homes to act as a financial consultant in order to correct and or re-structure any information related to applicant(s) as it pertains to the applicant’s credit, credit report, debt, and or financial status.
- To provide accurate information regarding items on applicant’s credit, or relay all inaccurate credit related entries that is currently published and reported by the three (3) major credit reporting agencies to Lockett-N-Homes.
- Provide Lockett-N-Homes with any legal proof of inaccurate entries reported on client’s credit report by the three (3) major agencies, and authorize Lockett-N-Homes to act as a personal credit financial consultant, advise, and or tutor the applicant on the proper procedures to alleviate credit reported irregularities or inaccuracies; and educate on ways to reduce personal expenditures.
- Allow Lockett-N-Homes to act on the clients behalf to resolve, eliminate, or negotiate on behalf of, for any inaccuracies, discrepancies, collection, debts, or any other item reported on any of the three major credit reporting agencies that adversely impacts the credit worthiness of the client.• Provide: financial statements, verification of payment(s), establishment of new credit, disclosure of any newly acquired debts, collections, delinquencies or any other action / item that may impact the credit score / debt to income ratio of the client.
The E.Q. program has a proven method of results based on 100% adherence to, and execution of, actions and or payments on the day(s) or dates outlined by the E.Q. program, and or LNH staff. Any deviation from the conditions outlined by the EQ program, which includes, but is not limited to: addition of new debt, new collections, new credit account(s), loss of employment, or other; may result in client’s inability to get qualified. Lockett-N-Homes will negotiate debts and or collections on behalf of the client. As a result the client may be required to pay some of, or all of an identified account to meet requirements for loan approval. During the debt settlement negotiation process, the client MAY NOT contact the credit institute(s) until a resolution of the account has been agreed upon. A client unable to satisfy a debt required for approval, or any deviation from these requirements, may result in inability to satisfy EQ conditions for pre-approval and ultimate denial of approval for a home loan. Lockett-N-Homes cannot guarantee any results based on multiple financial factors that constitute the credit worthiness of an applicant for approval. Lockett-N-Homes has no legal obligation within this agreement to change, restore, or guarantee loan approvals, and is only acting as a financial and or debt consultant. Lockett-N-Homes cannot guarantee specific changes on applicant’s credit reports, nor guarantee changes, updates, or restoration of information to the three (3) major credit reporting agencies. The parties to this contract agree that all disputes arising out of or in connection with, or in the application of, any of its provisions shall be finally resolved through arbitration under the administration of Federal Arbitration, Inc and in accordance with its Rules for Arbitration. Due to potential impacts on the client’s credit score, and consultation services received from the LNH staff or through the EQ Home ownership Program, no refunds will be issued. Upon receipt of any and all payment, any and all services and or actions performed by Lockett-N-Homes are NON REFUNDABLE.
I have read and understand the above terms and conditions of enrollment and certify that all information on this application is true and accurate*
Primary applicant initial
I have read and understand the above terms and conditions of enrollment and certify that all information on this application is true and accurate*
Co-applicant initial

Limited Power of Attorney

I hereby authorize Lockett-N-Homes to request credit reports from all three consumer credit reporting agencies for the purpose of providing financial counseling. I further authorize and request that the agency use this information to deliver a copy of the received credit documentation to me via US mail or fax.

Privacy Disclosure

We take our responsibility to protect the privacy and confidentiality of customer information very seriously. We maintain physical, electronic, and procedural safeguards that comply with federal standards to store and secure information about our client from unauthorized access, alteration, and destruction. Our control policies, for example, authorize access to customer information only by individuals who need access to do their work.
From time to time, we enter into agreements with other companies to provide services to us or make products and services available to you. Under these agreements, the companies may receive information about you but they must safeguard this information, and they may not use it for any other purposes.

Credit Information Disclosure

Lockett-N-Homes prides itself in being accurate in any estimates of credit score point improvement, and estimated time to reach pre-qualification status. Any and all estimations are based on preliminary information received from the applicant. If any information received from the applicant is found to be inaccurate, invalid or outdated, regardless if it is deliberate or inadvertent; Lockett-N-Homes projection of score increase, estimated time to pre-qualification, or eligibility to become qualified for a home loan may be partially or fully void.
I have read and understand the above and provide authorization*
Primary applicant initial
I have read and understand the above and provide authorization*
Co-applicant initial

Have you had a bankruptcy?*
- Yes
- No
If yes, chapter 7 or 13?
- Chapter 7
- Chapter 13
- Both
Please describe the details of the bankruptcy
Have you had a foreclosure or short sale?*
- No
- Foreclosure
- Short Sale
- Both
Please describe and provide the date of occurrence
Do you currently have any liens?*
- Yes
- No
Please describe the details of the lien and provide the balance
Do you currently have any judgments?*
- Yes
- No
Please describe the judgment (amount, city/state/county issued, full description)
I have completed the above information to the best of my ability and certify this information is accurate*
- I agree

1. I acknowledge that Lockett-N-Homes does not write dispute letters to the credit bureaus, nor dispute any account on the credit report.
Primary applicant initial*
Co-applicant initial*
2. I acknowledge that 1 or more accounts may require my direct involvement for satisfaction and potential credit score improvement.
Primary applicant initial*
Co-applicant initial*
3. I acknowledge that my credit report is only valid for 60 days. Upon request I may receive an updated credit report at 50% of the cost of registration.
Primary applicant initial*
Co-applicant initial*
4. I acknowledge that the Outline Letter is only valid for 90 days from the date of receipt and all items & action items are time sensitive.
Primary applicant initial*
Co-applicant initial*

EQ Program Enrollment - 1 applicant
Price: $799.00
EQ Program Enrollment - additional applicant
Price: $200.00
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EQ Program Client Enrollment

Step 1 of 6 - Client Information

Co-applicant Information