5-Step Application Process
Our streamlined application process makes it easy to get started on your path to homeownership. Each step is designed to be simple and transparent.
Initial Consultation
Schedule a free consultation to discuss your homeownership goals and program eligibility
Requirements:
- Basic contact information
- General financial overview
- Homeownership goals
Program Qualification
Complete preliminary qualification assessment to determine program eligibility
Requirements:
- Credit check authorization
- Income documentation
- Identity verification
Documentation Collection
Gather and submit required documentation for program approval
Requirements:
- Income verification documents
- Identity documents
- Credit information
Property Selection
Work with our team to find and select your ideal property
Requirements:
- Property preferences
- Budget parameters
- Location requirements
Program Approval
Final approval and lease-to-own agreement preparation
Requirements:
- All documentation verified
- Property inspection completed
- Agreement terms finalized
Required Documentation
Gather these documents to streamline your application process. Our team will guide you through each requirement.
Identity Verification
- Valid government-issued photo ID
- ITIN letter (if applicable)
- DACA documentation (if applicable)
- Social Security card (if available)
Income Documentation
- W-2 forms (last 2 years)
- Pay stubs (last 30 days)
- Tax returns (last 2 years)
- Bank statements (3-12 months)
- 1099 forms (if applicable)
- Business P&L statements (if self-employed)
Credit Information
- Credit report authorization
- Alternative credit sources (utility bills, rent payments)
- Credit explanation letters (if applicable)
- Collection account documentation (if applicable)
Property Information
- Property address and details
- Purchase agreement (if available)
- Property inspection report
- Homeowners insurance information
Why Choose DreamBuilder?
Our innovative lease-to-own program offers unique advantages that make homeownership accessible to more families.
96.5% LTV Financing
Maximum financing with only 3.5% down payment required
Flexible Credit Requirements
580 credit score minimum with alternative credit options
ITIN/DACA Eligible
No SSN required - ITIN and DACA recipients welcome
Government Entity Backing
Secure program with government entity backing
Equity Building
Build equity while renting, position for traditional financing
Flexible Income Documentation
Multiple income verification options available