What is DreamBuilder Lease-to-Own?
The DreamBuilder Lease-to-Own program at Roxford Holdings offers an innovative pathway to homeownership for individuals who are not yet ready for traditional mortgage financing. Instead of being denied a mortgage outright, DreamBuilder allows you to move into the home you want to buy and build toward ownership over a defined lease period.
During the lease period, a portion of your monthly rent is credited toward your future down payment. You also work with our team on credit improvement, savings strategies, and financial education to prepare for mortgage qualification. At the end of the lease period, you convert to traditional ownership with a mortgage.
DreamBuilder is ideal for borrowers who have the income to afford homeownership but face temporary barriers such as low credit scores, insufficient down payment savings, or recent credit events. Instead of waiting years to qualify, you can start living in your future home immediately while building toward the financial profile needed for a mortgage.
How it compares: DreamBuilder bridges the gap for borrowers who don't currently qualify for any mortgage program. Unlike rent-to-own programs from investors, DreamBuilder includes financial coaching and structured credit improvement.
Who Qualifies for DreamBuilder Lease-to-Own?
How to Apply for DreamBuilder Lease-to-Own
Apply for the DreamBuilder program and get approved based on income and commitment
Select a home and enter into a lease-to-own agreement with defined purchase terms
Move into your chosen home and begin making monthly lease payments
Work with our team on credit improvement and financial preparation during the lease period
Convert to full ownership with a mortgage when you meet qualification criteria
Key Features
Benefits
Requirements
Stable income sufficient for lease payments
Commitment to credit improvement goals
Completion of financial education program
Ability to maintain the property during lease period
Intent to purchase at end of lease term
Frequently Asked Questions
You select a home, enter a lease-to-own agreement, and move in. During the lease period (typically 1-3 years), a portion of your rent builds toward your down payment while you work on credit improvement. At the end, you purchase the home with a mortgage.
Yes, you work with our team to identify a home that fits your needs and budget. The purchase price is typically locked in at the start of the program.
Our team works closely with you throughout the program to ensure you're on track. Extension options may be available if additional time is needed to meet qualification requirements.
The specific rent credit amount is determined at the start of your agreement. Typically, a meaningful portion of each monthly payment is credited toward your future down payment.
Ready to Get Started with DreamBuilder Lease-to-Own?
Get personalized rate quotes and expert guidance for your dreambuilder lease-to-own needs.
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc