How DreamBuilder Works
Your Step-by-Step Guide to Homeownership
DreamBuilder is a unique lease-to-own program that turns renters into future homeowners. Learn how our innovative process works and how you can build equity while renting.
From renting to owning in 5 simple steps.
Provided by
Roxford Holdings Inc
NMLS 1843021
The DreamBuilder Process
Our streamlined 5-step process makes your journey from renter to homeowner clear and achievable.
Initial Consultation & Qualification
Meet with our team to discuss your homeownership goals and determine if DreamBuilder is right for you.
- Review your financial situation and goals
- Assess credit history and alternative credit sources
- Evaluate income documentation options
- Determine program eligibility
Step 1: Initial Consultation & Qualification
Meet with our team to discuss your homeownership goals and determine if DreamBuilder is right for you.
Property Selection & Government Entity Purchase
Work with our team to find your dream home, which is then purchased by an FHA Eligible Government Entity.
- Property search within approved areas
- Property inspection and evaluation
- Government entity purchase approval
- Lease agreement preparation
Step 2: Property Selection & Government Entity Purchase
Work with our team to find your dream home, which is then purchased by an FHA Eligible Government Entity.
Lease-to-Own Agreement & Move-In
Sign your lease agreement and move into your future home while building equity over time.
- Lease agreement signing
- Move-in coordination
- Equity building program activation
- Monthly payment structure established
Step 3: Lease-to-Own Agreement & Move-In
Sign your lease agreement and move into your future home while building equity over time.
Equity Building Phase
Build equity while renting through our innovative equity building program.
- Monthly equity contributions
- Property appreciation benefits
- Credit building opportunities
- Financial education and guidance
Step 4: Equity Building Phase
Build equity while renting through our innovative equity building program.
Transition to Traditional Financing
When ready, transition to traditional FHA or conventional financing to complete your homeownership journey.
- Equity position evaluation
- Credit improvement assessment
- Traditional financing qualification
- Homeownership completion
Step 5: Transition to Traditional Financing
When ready, transition to traditional FHA or conventional financing to complete your homeownership journey.
Why Choose DreamBuilder?
Our lease-to-own program offers unique advantages that make homeownership accessible to more families.
Build Equity While Renting
Accumulate equity in your future home through monthly contributions and property appreciation
Government Entity Backing
FHA Eligible Government Entity provides security and stability for your investment
ITIN & DACA Eligible
Individual Taxpayer Identification Number and DACA recipients welcome
Flexible Requirements
580 credit score minimum, alternative credit accepted, multiple income documentation options
Live in Your Dream Home
Move into your future home immediately, not as a renter but as a future homeowner
Clear Path to Ownership
Structured program with defined milestones and transition points
Equity Building Process
Watch your equity grow over time as you build wealth while living in your future home.
Phase 1: Initial Equity
Start building equity from day one through monthly contributions
Timeline:
Months 1-12
Benefits:
- Monthly equity contributions
- Property appreciation benefits
- Credit building opportunities
Phase 2: Growing Equity
Continue building equity while improving credit and financial position
Timeline:
Months 13-24
Benefits:
- Increased equity position
- Credit score improvement
- Financial education
Phase 3: Transition Preparation
Prepare for transition to traditional financing
Timeline:
Months 25-36
Benefits:
- Equity position evaluation
- Traditional financing qualification
- Homeownership preparation
Monthly Payment Structure
Understand how your monthly payments are structured and how they contribute to your future homeownership.
Rent Payment
Monthly rent payment to the government entity
Includes:
- Property taxes
- Insurance
- Maintenance reserves
Equity Contribution
Monthly contribution toward your future homeownership
Includes:
- Principal reduction
- Equity building
- Investment in your future
Program Fees
Administrative fees for program management
Includes:
- Program administration
- Ongoing support
- Financial guidance
DreamBuilder Key Features
Everything you need to know about how DreamBuilder works
Simple Process
Maximum LTV
Equity Building
ITIN/DACA Eligible
Ready to Start Your DreamBuilder Journey?
Now that you understand how DreamBuilder works, take the first step toward homeownership. Our team is ready to guide you through the entire process.
Questions About How It Works?
23015 Colonial Parkway
Building A, Suite A108-2
Katy, TX 77449
Call for process questions
Email for detailed information
NMLS 1843021