DreamBuilder Eligibility Requirements
Do You Qualify for DreamBuilder?
DreamBuilder has flexible eligibility requirements designed to help more families achieve homeownership. From credit scores to income documentation, we work with you to find the right path to qualification.
Flexible requirements for real people with real dreams.
Provided by
Roxford Holdings Inc
NMLS 1843021
DreamBuilder Eligibility Criteria
Our comprehensive eligibility requirements are designed to be inclusive while ensuring program success. Review each category to understand what's needed to qualify.
Credit Requirements
- 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)
- No more than 2 late payments in the last 12 months
Income Requirements
- Stable income source with ability to make payments
- Flexible income documentation options available
- Self-employed borrowers welcome
- Multiple income verification methods accepted
Identity & Residency
- U.S. Citizens eligible
- Permanent Resident Aliens eligible
- Non-Permanent Resident Aliens eligible
- ITIN holders welcome (may not have SSN)
- DACA recipients welcome
Property Requirements
- Single-family homes, townhouses, condos eligible
- Primary residence only
- FHA Standard Balance limits apply
- FHA High Balance considered case-by-case
- Property must meet program guidelines
Flexible Income Documentation Options
DreamBuilder accepts multiple income verification methods to accommodate different employment situations and income sources.
FHA Full Documentation
Traditional income verification with 1 year employment history
Required Documents:
- W-2 forms
- Pay stubs
- Tax returns
- Employment verification
Bank Statement Income
Income verification using bank statements only
Required Documents:
- 3-12 months personal bank statements
- 3-12 months business bank statements
- Deposit analysis
P&L + Bank Statements
Profit & Loss statements combined with bank statements
Required Documents:
- Business P&L statements
- Corresponding bank statements
- Business verification
1099s + Bank Statements
1099 income combined with bank statement verification
Required Documents:
- 1099 forms
- Supporting bank statements
- Income verification
Assets as Income
Use of assets to supplement or replace income
Required Documents:
- Asset documentation
- Depletion calculations
- Asset verification
DreamBuilder Program Features
Once you qualify, enjoy these comprehensive program features designed for your success.
96.5% LTV Available
Maximum financing up to 96.5% loan-to-value ratio
Only 3.5% Down Payment
Minimum down payment requirement for qualified borrowers
Government Entity Backing
FHA Eligible Government Entity provides security and stability
Equity Building Program
Build equity while renting, positioning for future FHA financing
Qualification Process
Our streamlined qualification process helps determine your eligibility for the DreamBuilder program in just a few simple steps.
Initial Assessment
Review basic eligibility criteria and program requirements
Credit Evaluation
Assess credit history and alternative credit sources
Income Verification
Review income documentation and employment history
Property Selection
Identify suitable property within program guidelines
Final Qualification
Complete underwriting review and program approval
Quick Eligibility Check
Note: Even if you don't meet all criteria, we may still be able to help. Contact us for a personalized assessment.
DreamBuilder Eligibility Success
Helping families qualify for homeownership with flexible requirements
Credit Score Minimum
Maximum LTV Available
ITIN/DACA Eligible
Income Documentation Options
Ready to Check Your Eligibility?
Don't let uncertainty prevent you from pursuing homeownership. Our team will work with you to determine your eligibility and find the best path forward.
Contact Roxford Holdings Inc
23015 Colonial Parkway
Building A, Suite A108-2
Katy, TX 77449
Call for eligibility questions
Email for qualification details
NMLS 1843021