DreamBuilder Program Overview
Complete Homeownership Solution
DreamBuilder is a unique Homeownership Empowerment program that 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.
Turn renters into future homeowners with earned equity along the way.
Provided by
Roxford Holdings Inc
NMLS 1843021
DreamBuilder Program Highlights
Comprehensive loan program designed for underserved communities and alternative borrowers.
96.5% LTV Financing
Maximum financing up to 96.5% loan-to-value ratio 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
Comprehensive Program Features
DreamBuilder offers flexible requirements and multiple options to accommodate various borrower situations.
Financing Options
- 96.5% maximum loan-to-value ratio
- Only 3.5% down payment required
- FHA Standard Balance limits
- FHA High Balance considered case-by-case
Credit Requirements
- 580 minimum credit score
- Lower scores considered case-by-case
- One tradeline with 12 months history
- Alternative credit sources accepted
Income Documentation
- FHA Full Documentation (1 year)
- Bank Statement Only Income
- P&L + Bank Statements
- 1099s + Bank Statements
- Assets as Income
Eligibility
- U.S. Citizens
- Permanent Resident Aliens
- Non-Permanent Resident Aliens
- ITIN holders (may not have SSN)
- DACA recipients
DreamBuilder Program Process
Our streamlined 5-step process makes your journey from renter to homeowner clear and achievable.
Initial Consultation
Meet with our team to discuss your goals and assess eligibility
Pre-Qualification
Complete assessment and gather required documentation
Property Selection
Find your dream home with government entity purchase
Application & Approval
Submit application for underwriting review and approval
Program Enrollment
Sign lease agreement and begin equity building 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
Inclusive Eligibility
Designed for underserved communities and non-traditional borrowers
Flexible Requirements
Multiple income documentation options and alternative credit acceptance
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
Help Provide Stability and Housing Security
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.
DreamBuilder Program Statistics
Key metrics and specifications at a glance
Maximum LTV Ratio
Minimum Down Payment
Credit Score Minimum
ITIN/DACA Eligible
Ready to Learn More About DreamBuilder?
Now that you understand the DreamBuilder program overview, take the next step toward homeownership. Our team is ready to guide you through the entire process.
Contact Roxford Holdings Inc
23015 Colonial Parkway
Building A, Suite A108-2
Katy, TX 77449
Call for program details
Email for information
NMLS 1843021