FHA Eligible Government Entity Purchase Benefits
Our program uses an FHA-eligible government entity purchase structure to help make homeownership accessible to families who may not qualify for traditional financing.
FHA Eligible Government Entity Purchase
An FHA-eligible government entity purchases the home under program guidelines — not a government-sponsored loan
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
Multiple Income Options
Bank statements, P&L, 1099s, and traditional documentation
Equity Building
Build equity while renting, position for traditional financing
Key Program Features
DreamBuilder combines an FHA-eligible government entity purchase structure with flexible qualification options to serve underserved communities.
Structured Purchase
An FHA-eligible government entity closes on the property under established program guidelines
Flexibility
Flexible requirements make homeownership accessible to more families
Innovation
Innovative financing solution for underserved communities
Accessibility
Accessible to ITIN and DACA recipients without SSN requirements
Transparency
Transparent process with clear terms and conditions
Support
Ongoing support throughout the homeownership journey
Program Eligibility
Our flexible eligibility requirements make DreamBuilder accessible to families who may not qualify for traditional financing.
Credit Requirements
- Minimum 580 credit score
- Alternative credit sources accepted
- No recent bankruptcies (within 2 years)
- No outstanding tax liens
Income Requirements
- Stable income for 2+ years
- Sufficient income to cover payments
- Multiple income documentation options
- Self-employed income accepted
Identity Requirements
- Valid government-issued photo ID
- ITIN or SSN
- DACA documentation (if applicable)
- Proof of legal residency
Property Requirements
- Primary residence only
- Single-family homes, townhouses, condos
- Property must meet safety standards
- Homeowners insurance required
5-Step Government Entity Process
Our streamlined process makes it easy to get started with DreamBuilder financing. Each step is designed to be simple and transparent.
Initial Consultation
Discuss your homeownership goals and government entity program options
Program Qualification
Complete preliminary qualification assessment for government entity program
Documentation Collection
Gather and submit required documentation for government entity approval
Property Selection
Work with our team to find your ideal property
FHA Eligible Entity Closing & Agreement
The FHA-eligible government entity closes on the home; you execute the lease-to-own / homeownership agreement
Frequently Asked Questions
Common questions about DreamBuilder government entity purchase program.
What does FHA Eligible Government Entity Purchase mean?
It means an FHA-eligible government entity purchases the property under program guidelines. DreamBuilder and Roxford Holdings Inc. are private companies and are not HUD, FHA, or any government agency.
Is DreamBuilder affiliated with HUD or FHA?
No. DreamBuilder and Roxford Holdings Inc. are private entities and are not affiliated with, endorsed by, or acting on behalf of HUD, FHA, or any federal, state, or local government agency.
How does this differ from traditional mortgages?
Our program offers a lease-to-own path where an FHA-eligible government entity purchases the home, making homeownership more accessible to families who may not qualify for traditional mortgages today.
Do I need a Social Security Number?
No, the DreamBuilder program accepts ITIN and DACA documentation, making it accessible to more families.
What income documentation is required?
We offer multiple options including traditional W-2s, bank statements, P&L statements, and 1099s.
Is this program available nationwide?
Yes, the DreamBuilder program is available in all 50 states and territories.
Can I build equity like with a traditional mortgage?
Yes, our lease-to-own program allows you to build equity while renting, positioning you for traditional financing later.