What is the DreamBuilder loan program?

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

What credit score do I need for DreamBuilder?

The minimum credit score is 580, with scores below 580 considered on a case-by-case basis.

What is the maximum LTV for DreamBuilder?

DreamBuilder offers up to 96.5% Loan-to-Value (LTV) for qualified borrowers.

Are ITIN holders eligible for DreamBuilder?

Yes, ITIN holders (Individual Taxpayer Identification Number) are eligible for the DreamBuilder program.

Is DreamBuilder available for DACA individuals?

Yes, DACA individuals are eligible for the DreamBuilder loan program.

DreamBuilder Checklists & Forms

Documents, disclosures, and sample agreements. Login required·NMLS 1843021

Checklists & Forms

Core program checklists and operational forms used during application, underwriting, and closing.

Disclosures

Consumer, insurance, inspection, and program disclosure documents for DreamBuilder participants.

Sample Documents

Sample agreements for reference. Final documents are provided through your program representative.

Texas Specific Forms

Texas-only checklists, disclosures, and sample agreements for DreamBuilder transactions in Texas.

Ready to Start Your DreamBuilder Application?

Create an account to access program documents and begin your lease-to-own path to homeownership.