DreamBuilder Alternative Credit Program
Non-Traditional Credit Sources Welcome
The DreamBuilder Alternative Credit Program recognizes that traditional credit scores don't tell the whole story. We accept utility bills, rent payments, and other non-traditional credit sources to help you qualify for homeownership.
Your payment history matters more than your credit score.
Provided by
Roxford Holdings Inc
NMLS 1843021
Accepted Alternative Credit Sources
DreamBuilder recognizes various non-traditional credit sources that demonstrate your financial responsibility and ability to make regular payments.
Utility Bills
Electric, gas, water, and internet service payments
Requirements:
12+ months of on-time payments
Examples:
- •Electricity bills
- •Gas bills
- •Water bills
- •Internet/phone bills
Rent Payments
Current and previous rental payment history
Requirements:
12+ months of consistent payments
Examples:
- •Rent receipts
- •Landlord verification
- •Bank statements showing rent payments
Insurance Premiums
Auto, home, and life insurance payments
Requirements:
6+ months of on-time payments
Examples:
- •Auto insurance
- •Renters insurance
- •Life insurance premiums
Cell Phone Bills
Mobile phone and wireless service payments
Requirements:
12+ months of on-time payments
Examples:
- •Monthly cell phone bills
- •Wireless service contracts
- •Prepaid phone accounts
Child Care Payments
Regular child care and daycare expenses
Requirements:
6+ months of consistent payments
Examples:
- •Daycare payments
- •After-school care
- •Nanny or babysitter payments
Other Regular Bills
Any recurring monthly payment obligations
Requirements:
6+ months of on-time payments
Examples:
- •Gym memberships
- •Streaming services
- •Storage unit payments
Alternative Credit Requirements
Understanding the requirements for alternative credit qualification helps ensure a smooth application process.
One Tradeline Minimum
At least one credit source with 12 months of satisfactory history
Details: Can be traditional credit or alternative credit sources
Payment History
Demonstrated ability to make regular, on-time payments
Details: No more than 2 late payments in the last 12 months
Documentation
Verifiable payment history through official records
Details: Statements, receipts, or verification letters from service providers
Consistency
Regular payment patterns over time
Details: Shows financial responsibility and stability
Why Choose DreamBuilder Alternative Credit?
Our alternative credit program offers unique advantages for borrowers with non-traditional credit histories.
ITIN & DACA Eligible
Individual Taxpayer Identification Number and DACA recipients welcome
96.5% LTV Available
Maximum financing up to 96.5% loan-to-value ratio
Government Entity Backing
FHA Eligible Government Entity provides security and stability
Flexible Income Documentation
Multiple income verification options accepted
Equity Building Program
Build equity while renting, positioning for future FHA financing
No Traditional Credit Required
Perfect for those building or rebuilding their credit history
Who Qualifies for Alternative Credit?
The DreamBuilder Alternative Credit Program is designed for individuals who may not have traditional credit histories but demonstrate financial responsibility through other means.
- ITIN Holders (May not have an SSN) – Individual Taxpayer Identification Number
- DACA Individuals
- Self-employed borrowers with alternative income sources
- Recent immigrants and new residents
- Young adults building credit history
- Individuals rebuilding credit after financial difficulties
- U.S. Citizens, Permanent Resident Aliens, and Non-Permanent Resident Aliens
Documentation Process
Credit Source Identification
Identify all potential alternative credit sources in your financial history
Documentation Collection
Gather statements, receipts, and verification letters for each credit source
Payment History Review
Our team reviews your payment patterns and consistency
Credit Assessment
Evaluate your alternative credit profile for program eligibility
Program Qualification
Determine your qualification for the DreamBuilder program
Alternative Credit Success
Helping families achieve homeownership through non-traditional credit sources
Months Payment History Required
Maximum LTV Available
ITIN/DACA Eligible
Alternative Credit Sources Accepted
Ready to Use Your Alternative Credit?
Don't let a lack of traditional credit history prevent you from achieving homeownership. Our alternative credit program recognizes your financial responsibility through your payment history.
Contact Roxford Holdings Inc
23015 Colonial Parkway
Building A, Suite A108-2
Katy, TX 77449
Call for alternative credit program details
Email for credit qualification questions
NMLS 1843021