DreamBuilder 96.5 LTV Program
Maximum Financing with Only 3.5% Down Payment
The DreamBuilder 96.5 LTV Program offers maximum financing power with minimal down payment requirements. Perfect for first-time homebuyers, ITIN holders, DACA recipients, and those with alternative credit sources.
Start building equity with just 3.5% down payment.
Provided by
Roxford Holdings Inc
NMLS 1843021
Why Choose DreamBuilder 96.5 LTV?
Our 96.5 LTV program provides maximum financing with flexible requirements, making homeownership accessible to more families than traditional mortgage options.
Only 3.5% Down Payment
Minimum down payment requirement, making homeownership more accessible
Maximum Financing Available
96.5% loan-to-value ratio provides maximum borrowing power
Government Entity Backing
FHA Eligible Government Entity provides security and stability
ITIN & DACA Eligible
Individual Taxpayer Identification Number and DACA recipients welcome
Flexible Income Documentation
Multiple income verification options accepted
Equity Building Program
Build equity while renting, positioning for future FHA financing
How DreamBuilder 96.5 LTV Compares
See how our 96.5 LTV program stacks up against traditional mortgage options
Traditional FHA
Down Payment:
3.5%
Credit Score:
580+
Restrictions:
Strict income requirements, limited flexibility
Benefits:
Government backing, low down payment
DreamBuilder 96.5 LTV
Down Payment:
3.5%
Credit Score:
580+
Restrictions:
Fewer restrictions, more flexible requirements
Benefits:
Government entity backing, alternative credit accepted, ITIN/DACA eligible
Conventional Loans
Down Payment:
5-20%
Credit Score:
620+
Restrictions:
Strict credit and income requirements
Benefits:
Lower mortgage insurance, competitive rates
Example Scenarios
See how the DreamBuilder 96.5 LTV program works with real-world examples
Home Price: $300,000
Down Payment:
$10,500 (3.5%)
Loan Amount:
$289,500 (96.5% LTV)
Monthly Payment:
Estimated $1,800-2,200
Includes principal, interest, taxes, insurance, and program fees
Home Price: $400,000
Down Payment:
$14,000 (3.5%)
Loan Amount:
$386,000 (96.5% LTV)
Monthly Payment:
Estimated $2,400-2,900
Maximum financing for qualified borrowers
Home Price: $250,000
Down Payment:
$8,750 (3.5%)
Loan Amount:
$241,250 (96.5% LTV)
Monthly Payment:
Estimated $1,500-1,800
Perfect for first-time homebuyers
Eligibility Requirements
The DreamBuilder 96.5 LTV program has flexible requirements designed to help more families achieve homeownership.
- Minimum credit score of 580 (lower scores considered case-by-case)
- One tradeline with at least 12 months satisfactory history
- Alternative credit sources accepted (utility bills, rent payments)
- Flexible income documentation options
- ITIN holders and DACA recipients eligible
- Self-employed borrowers welcome
- U.S. Citizens, Permanent Resident Aliens, and Non-Permanent Resident Aliens eligible
Income Documentation Options
FHA Full Documentation
Traditional income verification with 1 year of employment history
Requirements: W-2s, pay stubs, tax returns
Bank Statement Income
Income verification using bank statements only
Requirements: 3-12 months of personal and/or business bank statements
P&L + Bank Statements
Profit & Loss statements combined with bank statements
Requirements: Business P&L and corresponding bank statements
1099s + Bank Statements
1099 income combined with bank statement verification
Requirements: 1099 forms and supporting bank statements
Assets as Income
Use of assets to supplement or replace income
Requirements: Asset documentation and depletion calculations
DreamBuilder 96.5 LTV Program Features
Comprehensive features designed for maximum accessibility and success
Maximum LTV Ratio
Minimum Down Payment
Credit Score Minimum
ITIN/DACA Eligible
Ready for Maximum Financing?
Take advantage of the DreamBuilder 96.5 LTV program and start your journey to homeownership with just 3.5% down payment. Our team is ready to help you qualify.
Contact Roxford Holdings Inc
23015 Colonial Parkway
Building A, Suite A108-2
Katy, TX 77449
Call for 96.5 LTV program details
Email for financing information
NMLS 1843021