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.

For Licensed Real Estate Professionals

Become an Eligible Real Estate Agent

Join DreamBuilder's participating agent network. Help approved buyers select eligible homes and begin the lease-to-own process — instead of losing the deal when traditional financing falls through.

More closings

Rescue deals that stall on credit, ITIN, DACA, or documentation.

Clear coordination

Work with program representatives and participating lenders.

Client loyalty

Stay the trusted advisor from renting to earned equity ownership.

How onboarding works

1
Introduce yourself
Contact Roxford Holdings with your license details and primary markets.
2
Learn the playbook
Get eligible property criteria, buyer profiles, and referral timing.
3
Partner on deals
Support approved clients through home selection and lease-to-own start.
4
Grow your pipeline
Turn declined mortgage buyers into closings with a clear next path.

Agent FAQs

How do I become an eligible real estate agent for DreamBuilder?

Contact Roxford Holdings to join the participating agent network. You will receive onboarding on eligible properties, buyer profiles, and how to coordinate with program representatives.

Do I need a special license?

You need an active real estate license in the markets you serve. DreamBuilder eligibility means you understand program property rules and the lease-to-own process — not a separate state license type.

What buyers can I help with this program?

Renters, declined traditional buyers, ITIN and DACA households, self-employed clients, and alternative-credit borrowers who fit DreamBuilder / Earned Equity pathways.

Partner program overview Buyer agent connection page Program fact sheet

Tools your clients will use

Point buyers to Fast Track, eligibility, and equity-building pages while you guide the property search.

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

Ready to become eligible?

Reach out today and start sending more clients home with DreamBuilder.

1-346-472-2800

Backed by Roxford Holdings Inc · NMLS 1843021