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.

Property & Agent Eligibility

Propiedades Elegibles

Find out if your property is eligible for DreamBuilder — or become an eligible real estate agent who helps approved buyers select a qualifying home.

After approval, buyers work with a participating licensed agent to begin the lease-to-own process and start building earned equity.

Find out if your property is eligible

Sellers, listing agents, and buyers can request a quick eligibility review for lease-to-own and government entity purchase.

Address and property type review
FHA-eligible guideline alignment
Program location coverage check

Become an eligible real estate agent

Join the participating agent network. Convert more declined buyers into closings with a clear DreamBuilder pathway.

Partner onboarding with Roxford Holdings
Property eligibility playbook
Referral path for approved clients

What we look for in an eligible property

Exact underwriting is case-by-case. These are the most common eligibility signals buyers and agents ask about.

Primary residence intent for the future homebuyer (not investment-first speculation)

Property types that can support FHA-eligible financing guidelines

Clear title path suitable for government entity purchase

Location within DreamBuilder / Earned Equity program service areas

Condition and appraisal expectations aligned with program underwriting

Purchase price and LTV that fit the 96.5% pathway for qualified buyers

Why agents join the eligible network

Serve more buyers

Help declined traditional buyers, renters, ITIN/DACA clients, and alternative-credit households close.

Clear property rules

Know which homes can work so you stop wasting showings on ineligible inventory.

Compra por entidad gubernamental

An FHA Eligible Government Entity purchases the home your client selects for the lease-to-own path.

Preguntas frecuentes

What makes a property eligible for DreamBuilder?

Eligible properties are typically homes that can meet FHA-eligible financing guidelines, clear title requirements, program location coverage, and underwriting standards so a government entity can purchase the home for the lease-to-own pathway.

How do I find out if my property is eligible?

Share the address and basic property details with the DreamBuilder team or a participating agent. We review eligibility for government entity purchase and the earned equity lease-to-own process.

How do I become an eligible real estate agent?

Contact Roxford Holdings to join the participating agent network. You will learn property criteria, referral steps, and how to guide clients from approval to home selection.

Do buyers pick any home on the market?

Buyers have flexibility, but the home must meet program requirements and be approved. A participating licensed real estate agent helps select a qualifying property.

From eligible home to earned equity

Eligible properties power DreamBuilder and Earned Equity pathways — from Fast Track closings to long-term equity building.

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 check a property or join as an agent?

Talk with the team today — or log in if you already have an application in review.

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