What is the DreamBuilder program?

DreamBuilder is a lease-to-own homeownership program where an FHA-eligible government entity purchases a home that qualified homebuyers can ultimately purchase, providing housing stability and equity creation. Ideal when traditional FHA financing isn't an option yet.

Who qualifies for DreamBuilder?

DreamBuilder is for homebuyers who don't yet qualify for traditional FHA financing. It supports ITIN holders, DACA recipients, self-employed borrowers (3-month bank statements), and those with non-traditional income. Up to 96.5% LTV, 3.5% minimum down.

How does the DreamBuilder application process work?

Complete the application through the secure portal, get approved by Roxford Holdings, choose an eligible home, and enter a lease-to-own agreement. Typically 1-3 year lease period with rent credits toward your down payment, then convert to a traditional mortgage when you qualify.

Who offers the DreamBuilder Wayfinder Home Path Program?

Roxford Holdings Inc (NMLS #1843021) offers the DreamBuilder program. The main program overview is at roxfordholdings.com/dreambuilder, with a detailed fact sheet at roxfordholdings.com/dreambuilder/fact-sheet. Applications are submitted through the secure DreamBuilder portal.

What credit score do you need for DreamBuilder?

Program highlights on Roxford Holdings list a 580 minimum credit score, plus at least one tradeline with 12 months of satisfactory history. Guidelines can change; a loan officer can review your scenario.

Can I use DreamBuilder with an ITIN or DACA status?

Yes. DreamBuilder lists U.S. citizens, permanent residents, and non-permanent resident aliens—including ITIN holders and DACA recipients—as eligible homebuyer categories, subject to full program guidelines and approval.

Is DreamBuilder the same as rent to own?

DreamBuilder is a structured lease-to-own path to homeownership backed by program guidelines and Roxford Holdings as the lender (NMLS #1843021). It is not a generic informal rent-to-own contract; terms, equity treatment, and conversion to a mortgage depend on the program agreement and underwriting.

How do I apply for DreamBuilder?

Start at roxfordholdings.com/dreambuilder or the DreamBuilder application portal linked from that page. You complete the application online; Roxford Holdings reviews the file and guides next steps for property eligibility and the lease-to-own structure.

Innovative Homebuying Program

Introducing DreamBuilder✨

Unlock the dream of homeownership with the DreamBuilder Wayfinder Home Path Program

An innovative solution designed to help your clients achieve their homeownership goals

ITIN Eligible

DACA Welcome

Low Credit OK

Self-Employed

Lease-to-ownBuild equityNMLS #1843021

Up to 96.5% LTV

Self Employed 3 month Bank Statement

<580 & No Score options Available

ITIN & DACA Eligible

Unlock the Dream of Homeownership with an Innovative Lease-to-Own Program

Homeownership isn't just a goal—it's the foundation of generational wealth and financial stability. But what happens when your clients are ready to buy, yet can't qualify for traditional FHA or Non-QM loans?

You meet them where they are and guide them toward success.

The DreamBuilder Program turns renters into future homeowners with a lease-to-own solution that helps clients build equity while living in their dream home. This unique program ensures they don't rent as ordinary tenants but as future homeowners, working toward FHA-level financing or beyond.

At Roxford Holdings Inc, we're committed to closing the homeownership gap by serving all communities, especially those underserved, with innovative solutions, education, and determination. We believe everyone deserves access to the American Dream.

Let's transform renting into owning and help families create a foundation for financial stability and generational wealth. With every step, we're empowering your clients to build a brighter future and leave a lasting legacy.

The path to homeownership starts here. Contact Roxford Holdings Inc today to discuss a deal, scenario, or learn more about the DreamBuilder Program.

What is DreamBuilder?

A unique Homeownership Empowerment program which enables an FHA Eligible Government Entity to purchase a home that can ultimately be purchased by your customers, while providing housing stability and equity creation.

DreamBuilder Program Highlights

Loan to Value (LTV)

Eligible up to 96.5% LTV

Loan Amount

FHA Standard Balance

Credit Score

580 Minimum

Credit

One (1) tradeline with at least 12 months satisfactory history

Qualifying Income

FHA Full Documentation (1 Year)

Assets as Income

Bank Statement Only Income

Homebuyer Eligibility

U.S. Citizens, Permanent Resident Aliens, Non-Permanent Resident Aliens, including ITIN and DACA

Who's The DreamBuilder Homeownership Program For?

W-2 Workers with Prior Credit Challenges

Self-Employed Individuals

THOSE DECLINED FOR A TRADITIONAL MORTGAGE

Renters Who Want to Build Equity

Clients with Non-Traditional Income Sources

1099 & BANK STATEMENT QUALIFYING INDIVIDUALS

ITIN Holders and DACA Recipients

Underserved Community Members

Credit-Challenged Borrowers

BECOME AN APPROVED AGENT

HELP FAMILIES FIND THEIR WAY

Help Provide Stability and Housing Security with DreamBuilder

National Average Rent Increase data from the U.S. Department of Housing and Urban Development (HUD)

24.2%

Between 2020 and 2024, the average rent increased 24.2%

17.6%

From 2007 to 2024, rent inflation outpaced hourly wage inflation 17.6%

Rent prices grew over 6 times faster than real median household income from 2000 to 2022

130.8%

In the 21st century, the average rent has increased 130.8%, averaging 3.51% annual growth

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Innovation

Fresh, creative solutions.

🤝

Integrity

Honesty and transparency.

⭐

Excellence

Top-notch services.

LET'S HELP FAMILIES FIND THEIR WAY TO HOMEOWNERSHIP

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Questions & answers

DreamBuilder frequently asked questions

Straightforward answers for borrowers, agents, and broker partners—written to match our program highlights and disclosures.

Talk to a specialist

Discuss a scenario or get help with the portal.

(888) 466-5422

Not a commitment to lend. Program guidelines, credit approval, and state availability apply.

Call (888) 466-5422 · DreamBuilder support

Ready to Start Your DreamBuilder Journey?

Take the first step toward homeownership with our innovative lease-to-own program.

FHA Loans

Conventional Loans

VA Loans

USDA Rural Loans

Jumbo Loans

DreamBuilder ✨