What is the DreamBuilder loan program?

DreamBuilder is a unique Homeownership Empowerment program which enables an FHA Eligible Government Entity to purchase a home that can ultimately be purchased by customers, while providing housing stability and equity creation.

What credit score do I need for DreamBuilder?

The minimum credit score is 580, with scores below 580 considered on a case-by-case basis.

What is the maximum LTV for DreamBuilder?

DreamBuilder offers up to 96.5% Loan-to-Value (LTV) for qualified borrowers.

Are ITIN holders eligible for DreamBuilder?

Yes, ITIN holders (Individual Taxpayer Identification Number) are eligible for the DreamBuilder program.

Is DreamBuilder available for DACA individuals?

Yes, DACA individuals are eligible for the DreamBuilder loan program.

Already approved? Log in to view your representative and agent next steps.

Participating Agent Network

Get Connected With an Eligible Licensed Real Estate Agent

If you're approved, you'll work with a participating real estate agent to select a home and begin the lease-to-own process. We connect you with eligible licensed agents who understand DreamBuilder property rules.

Agents: Become an eligible real estate agent

Why an eligible agent matters

Knows which homes are eligible for government entity purchase
Coordinates with your program representative and participating lender
Guides showings toward properties that fit DreamBuilder criteria
Helps you move from approval into the lease-to-own occupancy path

Request an agent introduction

Tell us your market and application status. We'll connect you with a licensed participating agent — or help onboard the agent you already trust.

(346) 472-2800

From approval to home selection

Step 1

Apply

Submit your DreamBuilder application online.

Step 2

Review

A representative or lender confirms eligibility and next steps.

Step 3

Connect

Get matched with an eligible licensed real estate agent.

Step 4

Select & start

Choose an eligible home and begin lease-to-own equity building.

Common questions

Who helps me pick a home after DreamBuilder approval?

If you are approved, you work with a participating real estate agent — an eligible licensed professional — to select a home and begin the lease-to-own process.

How do I get connected with an eligible licensed real estate agent?

Contact the DreamBuilder team or log in to your application portal. Your program representative can introduce you to a participating licensed agent in your market.

Can I use my own real estate agent?

Many agents can become eligible by joining the participating network. Share your agent’s contact information with the team so we can onboard them to property and process guidelines.

I am an agent — how do I become eligible?

Visit Become an Eligible Real Estate Agent or contact Roxford Holdings to join the partner program and learn eligible property criteria.

Eligible Properties

See what homes can qualify.

Your Representative

Explore DreamBuilder & Earned Equity Pathways

Whether you are checking property eligibility, connecting with an agent, or building equity, these pages map the full journey.

How It Works

See the lease-to-own steps from application to ownership.

Lease-to-Own Process

Understand property selection, occupancy, and equity building.

Fast Track

Close in 35 days or less with a streamlined pathway.

Eligibility Requirements·Home Equity Building·Equity Building Program·FAQ

Let's connect you with the right agent

Call, request an introduction, or log in if your application is already under review.

1-346-472-2800