DreamBuilder Application Process
Your Step-by-Step Guide to Homeownership
The DreamBuilder application process is designed to be straightforward and accessible. From initial consultation to program enrollment, we guide you through every step of your journey to homeownership.
Start building equity while you rent, with a clear path to ownership.
Provided by
Roxford Holdings Inc
NMLS 1843021
DreamBuilder Application Process
Our streamlined 6-step process makes it easy to get started with DreamBuilder. From initial consultation to program enrollment, we're with you every step of the way.
Initial Consultation
30 minutes
Schedule a consultation with our team to discuss your homeownership goals and determine if DreamBuilder is right for you.
- Review your current financial situation
- Discuss homeownership goals and timeline
- Explain DreamBuilder program benefits
- Answer any questions about the process
Step 1: Initial Consultation
Schedule a consultation with our team to discuss your homeownership goals and determine if DreamBuilder is right for you.
Pre-Qualification Assessment
1-2 days
Complete a pre-qualification assessment to determine your eligibility for the DreamBuilder program.
- Credit score evaluation (580+ preferred)
- Income verification and documentation
- Debt-to-income ratio calculation
- Property requirements assessment
Step 2: Pre-Qualification Assessment
Complete a pre-qualification assessment to determine your eligibility for the DreamBuilder program.
Documentation Collection
3-5 days
Gather and submit required documentation for your DreamBuilder application.
- Personal identification documents
- Income verification (W-2s, 1099s, bank statements)
- Credit history and alternative credit sources
- Property preferences and location requirements
Step 3: Documentation Collection
Gather and submit required documentation for your DreamBuilder application.
Property Selection & Approval
1-2 weeks
Work with our team to find and approve a suitable property for your DreamBuilder program.
- Property search within approved areas
- Property inspection and evaluation
- Government entity purchase approval
- Lease agreement preparation
Step 4: Property Selection & Approval
Work with our team to find and approve a suitable property for your DreamBuilder program.
Application Submission
1-2 days
Submit your complete DreamBuilder application for final review and approval.
- Complete application form submission
- Documentation verification
- Underwriting review process
- Final approval decision
Step 5: Application Submission
Submit your complete DreamBuilder application for final review and approval.
Program Enrollment
1 week
Complete enrollment in the DreamBuilder program and begin your lease-to-own journey.
- Lease agreement signing
- Move-in coordination
- Equity building program activation
- Ongoing support and guidance
Step 6: Program Enrollment
Complete enrollment in the DreamBuilder program and begin your lease-to-own journey.
Required Documentation
To streamline your application process, please have the following documents ready. Our team will guide you through collecting and submitting all required materials.
Personal Identification
- Valid government-issued photo ID
- Social Security Number (if applicable)
- Individual Taxpayer Identification Number (ITIN)
- DACA documentation (if applicable)
Income Verification
- W-2 forms (last 2 years)
- 1099 forms (if self-employed)
- Bank statements (last 3 months)
- Profit & Loss statements (if applicable)
- Pay stubs (last 30 days)
Credit Information
- Credit report authorization
- Alternative credit sources (utility bills, rent payments)
- Explanation of any credit issues
- Credit improvement plan (if needed)
Property Information
- Desired property location preferences
- Budget range and affordability assessment
- Property type preferences (single-family, townhouse, etc.)
- Timeline for homeownership goals
Why Choose DreamBuilder?
DreamBuilder offers unique advantages that make homeownership accessible to more families, including those with non-traditional credit or income sources.
96.5% LTV Financing
Maximum financing up to 96.5% loan-to-value ratio
580 Credit Score Minimum
Flexible credit requirements with alternative credit options
ITIN & DACA Eligible
Individual Taxpayer Identification Number and DACA recipients welcome
Equity Building
Build equity while renting, positioning for future FHA financing
Government Entity Backing
FHA Eligible Government Entity purchases your future home
Flexible Income Documentation
Multiple income verification options including bank statements and P&L
Application Timeline
From start to finish, your DreamBuilder journey typically takes 3-4 weeks
Initial consultation and pre-qualification
Documentation collection and property search
Application submission and underwriting
Program enrollment and move-in
Ready to Start Your DreamBuilder Application?
Take the first step toward homeownership today. Our team is ready to guide you through the entire DreamBuilder application process.
Questions About the Process?
23015 Colonial Parkway
Building A, Suite A108-2
Katy, TX 77449
Call for application assistance
Email for process questions
NMLS 1843021