Key Program Features
Our innovative program combines the best features of lease-to-own with equity building, creating a unique path to homeownership.
96.5% LTV Financing
Maximum financing with only 3.5% down payment required
Our high LTV program makes homeownership accessible to families who may not have large down payments saved.
Flexible Credit Requirements
580 credit score minimum with alternative credit options
We accept alternative credit sources like utility bills and rent payments for those without traditional credit history.
ITIN/DACA Eligible
No SSN required - ITIN and DACA recipients welcome
Our program is designed to serve immigrant communities and those without Social Security numbers.
Government Entity Backing
Secure program with government entity backing
Government entity backing provides additional security and stability to our program.
Equity Building Program
Build equity while renting, position for traditional financing
Participants build equity during the lease period, positioning themselves for traditional mortgage financing.
Flexible Income Documentation
Multiple income verification options available
We accept various forms of income documentation, including self-employed and non-traditional income sources.
3-Phase Program Structure
Our program is structured in three distinct phases, each designed to move you closer to full homeownership.
Phase 1: Qualification & Property Selection
Complete qualification process and select your ideal property
Key Activities:
- Initial consultation and qualification
- Documentation collection and verification
- Property search and selection
- Lease-to-own agreement preparation
Phase 2: Lease-to-Own Period
Rent while building equity and improving credit
Key Activities:
- Monthly rent payments
- Equity accumulation
- Credit improvement
- Property maintenance
Phase 3: Transition to Ownership
Convert to traditional mortgage and full ownership
Key Activities:
- Traditional mortgage application
- Loan processing and approval
- Closing and property transfer
- Full homeownership achieved
Program Benefits
Our program offers unique advantages that make homeownership accessible to families who may not qualify for traditional financing.
Accessible Homeownership
Make homeownership possible for families who may not qualify for traditional financing
Equity Building
Build equity while renting, creating wealth for your family
Credit Improvement
Improve your credit score during the lease period
Flexible Requirements
More flexible qualification criteria than traditional mortgages
Government Backing
Secure program with government entity backing
Path to Traditional Financing
Position yourself for traditional mortgage financing
Program Requirements
Understanding our requirements helps ensure a smooth program experience. Our flexible criteria make the program accessible to more families.
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
Frequently Asked Questions
Common questions about the DreamBuilder program details.
How does the DreamBuilder program work?
The program combines lease-to-own with equity building, allowing participants to rent while building equity and eventually transition to traditional financing.
What is the minimum credit score required?
We require a minimum 580 credit score, with alternative credit sources accepted for those without traditional credit history.
How much down payment is required?
Only 3.5% down payment is required with our 96.5% LTV program.
Can ITIN holders participate?
Yes, our program is specifically designed to serve ITIN holders and DACA recipients.
How long is the lease-to-own period?
The lease-to-own period typically ranges from 12-36 months, depending on your goals and timeline.
What happens at the end of the program?
Participants can transition to traditional mortgage financing to purchase the property outright.