DreamBuilder
Fact Sheet
Complete Program Guide & Application Process
The NEW Roxford Holdings Inc DreamBuilder program is a unique opportunity in which a purchase transaction is completed by an FHA eligible government entity that enters into a lease-to-own and long-term purchase agreement, or structured financing agreement, with qualified Homebuyers.
When a Homebuyer does not qualify for traditional FHA mortgage financing, the DreamBuilder program offers a new and exciting way for the Homebuyer to ultimately enter homeownership.
Provided by
Roxford Holdings Inc
NMLS 1843021
What is the DreamBuilder Program?
DreamBuilder is a lease-to-own homeownership program offering 96.5% LTV financing through FHA-eligible government entity backing, accepting ITIN and DACA applicants with 580+ credit scores.
Program Overview
The NEW Roxford Holdings Inc DreamBuilder program is a unique opportunity in which a purchase transaction is completed by an FHA eligible government entity that enters into a lease-to-own and long-term purchase agreement, or structured financing agreement, with qualified Homebuyers, thereby allowing the Homebuyers to purchase the property in the future.
Refer to the DreamBuilder guidelines for complete details.
Eligibility Requirements
Comprehensive eligibility criteria for the DreamBuilder program
Basic Requirements
- Primary Residence for Homebuyer(s)
- Purchase transactions only
- Up to 96.5% LTV
- Full Doc and Alt Income options
- Exceptions considered on case-by-case basis
Additional Eligibility
- ITIN holders eligible
- DACA individuals eligible
- Self-employed borrowers welcome
- Alternative credit accepted
- 580 minimum credit score (lower considered case-by-case)
How Does DreamBuilder Work?
When a Homebuyer does not qualify for traditional FHA mortgage financing, the DreamBuilder program offers a new and exciting way for the Homebuyer to ultimately enter homeownership.
Step 1: Application Submission
Program participant completes a fully completed application (MISMO 3.4) through our secure online portal for DreamBuilder Homebuyer review.
- Property address identified in portal (or 'TBD' if not selected)
- Qualifying documentation uploaded including income, assets, credit history
- Identification, LOEs, and supporting documentation required
- Review completed only after all documentation received and confirmed
Step 2: Property Selection & Contract
Homebuyer selects property and enters purchase agreement with seller.
- Property must meet DreamBuilder eligibility requirements
- Contract must identify Homebuyer name(s) plus 'and/or assigns'
- Assignment Addendum executed to transfer contract to government entity
- Program participant provides executed contract with all addenda to Roxford Holdings Inc
Step 3: Portal Transition
Homebuyer retained as Tenant, borrower transitioned to FHA eligible government entity.
- Homebuyer name retained in portal as Homebuyer/Tenant
- Borrower transitioned to FHA eligible government entity
- FHA investment purchase identified under 'Tule River Homebuyer Earned Equity Agency'
Step 4: Appraisal & Property Review
Property appraisal ordered, completed, and approved to guideline requirements.
- Roxford Holdings Inc orders appraisal on behalf of the program participant
- Program participant responsible for appraisal payment
- All property conditions must be addressed and satisfied
Step 5: Homeownership Agreement
Homebuyer executes Homeownership Agreement and remits closing funds.
- Homeownership Agreement executed by Homebuyer
- All closing funds remitted to title company
- Final preparation for property closing
Step 6: Property Closing
Purchase transaction closed at approved title company.
- Transaction closed at approved title company
- All legal documents finalized
- Property ownership transferred to government entity
Step 7: Move-In & Equity Building
Homebuyer moves in and begins journey toward homeownership.
- Homebuyer moves into property
- Option purchase price reduces with each monthly payment
- All appreciation belongs to Homebuyer from closing date forward
- Homebuyer can sell, purchase, or assume existing FHA loan at any time
DreamBuilder Program Benefits
Why choose the DreamBuilder program for your homeownership journey
Turn renters into homeowners
Build equity while renting
Position for FHA-level financing
Government entity handles purchase
All appreciation belongs to Homebuyer
Flexible exit options
No traditional mortgage qualification required
Alternative credit options available
ITIN and DACA friendly
Self-employed borrower solutions
Where Can I Apply? Who Offers It?
The DreamBuilder program is offered directly by Roxford Holdings Inc NMLS# 1843021. Here's how to get started:
Application Process
1. Complete Online Application
Program participants complete the application directly through our secure online portal at dreambuilderwayfinder.com.
2. Submit Documentation
Upload all required documentation including income, assets, credit history, and identification through our secure portal.
3. Property Selection
Choose your dream home that meets DreamBuilder eligibility requirements.
4. Program Approval
Roxford Holdings Inc reviews and approves your application for the DreamBuilder program.
Who Is It For?
First-Time Homebuyers
Who don't qualify for traditional FHA financing
ITIN Holders
Individual Taxpayer Identification Number holders
DACA Individuals
Deferred Action for Childhood Arrivals recipients
Self-Employed Borrowers
With higher DTI ratios or alternative income
Alternative Credit Borrowers
With limited traditional credit history
Legal Information & Disclosures
Copyright © 2025, All rights reserved. Roxford Holdings Inc NMLS# 1843021. All Rights Reserved.
To see the states where the company is licensed and where the DBA is used, please visit www.nmlsconsumeraccess.org.
The information contained herein is provided to assist real estate and mortgage lending professionals and is not an advertisement to extend credit directly to consumers. Credit and collateral are subject to approval. Program and other restrictions may apply. Programs, rates, terms, and conditions are subject to change without notice.
Important Notes:
- • Refer to the DreamBuilder guidelines for complete details
- • All programs subject to change without notice
- • Credit and collateral subject to approval
- • Program restrictions may apply
- • Contact licensed professionals for specific guidance
Ready to Start Your DreamBuilder Journey?
Now that you understand the DreamBuilder program, take the next step toward homeownership. Complete your application directly through our secure online portal today.
Contact Roxford Holdings Inc
23015 Colonial Parkway
Building A, Suite A108-2
Katy, TX 77449
Call for program details
Email for information
NMLS 1843021