Non-Traditional Mortgage
Innovative Home Financing
Homeownership is more than a goal—it's a pathway to generational wealth and financial stability. But what happens when your clients are ready to buy, yet struggle to qualify for traditional FHA or Non-QM loans?
You meet them where they are and empower their journey to homeownership.
Provided by
Roxford Holdings Inc
NMLS 1843021
What is DreamBuilder?
A unique Homeownership Empowerment program which enables an FHA Eligible Government Entity to purchase a home that can ultimately be purchased by your customers, while providing housing stability and equity creation.
Our DreamBuilder program turns renters into future homeowners by offering a lease-to-own solution with earned equity along the way. This unique product gives your clients the opportunity to live in their dream home, not as an ordinary "renter" but as a future homeowner while building equity over time — ultimately positioning them for FHA-level financing or beyond.
DreamBuilder Program Highlights
Comprehensive loan program designed for underserved communities and alternative borrowers
96.5% Loan-to-Value (LTV)
Maximum financing up to 96.5% LTV for qualified borrowers
580 Minimum Credit Score
Credit scores below 580 considered on case-by-case basis
ITIN & DACA Eligible
Individual Taxpayer Identification Number and DACA individuals welcome
Flexible Income Documentation
FHA Full Documentation, Bank Statements, P&L, 1099s accepted
Earned Equity Building
Build equity while renting, positioning for FHA-level financing
Government Entity Purchase
FHA Eligible Government Entity purchases your future home
DreamBuilder Program Features
Loan to Value (LTV)
Eligible up to 96.5% LTV
Loan Amount
FHA Standard Balance
FHA High Balance considered on case-by-case basis
Qualifying Income
- • FHA Full Documentation (1 Year)
- • Assets as Income
- • Bank Statement Only Income
- • P&L + Bank Statements
- • 1099s + Bank Statements
Credit Score
580 Minimum
< 580 considered on case-by-case basis
Credit Requirements
One (1) tradeline with at least 12 months satisfactory history
Alternative credit may be acceptable
Homebuyer Eligibility
- ITIN Holders (May not have an SSN) – Individual Taxpayer Identification Number
- DACA Individuals
- Self-employed borrowers with a higher DTI
- Loan declined by an agency or government lender
- U.S. Citizens
- Permanent Resident Aliens
- Non-Permanent Resident Aliens, including ITIN and DACA
Help Provide Stability and Housing Security with DreamBuilder
The housing market challenges facing today's renters
Average rent increase between 2020-2024
Rent inflation outpaced hourly wage inflation (2007-2024)
Rent prices grew faster than real median household income (2000-2022)
Average rent increase in the 21st century
Our Mission
At Roxford Holdings Inc, we believe everyone, in all communities, including those who are underserved, deserve access to the American Dream. Through education, innovation and hard work, we're closing the homeownership gap to empower more families to build brighter futures.
Together, let's turn renting into owning and empower more families to build lasting wealth. With every step forward, we're helping your clients create a foundation for their future and a legacy for generations to come.
The path to homeownership starts here—let's make dreams a reality.
Ready to Start Your DreamBuilder Journey?
Learn more or connect with Roxford Holdings Inc to discuss a deal or scenario. Turn your dream of homeownership into reality with our innovative lease-to-own program.
Contact Roxford Holdings Inc
23015 Colonial Parkway
Building A, Suite A108-2
Katy, TX 77449
Call for program details
Email for information
NMLS 1843021