DreamBuilder Wayfinder
Unlock the dream of homeownership with an innovative solution designed to help your clients achieve their goals.
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.
Unlock the Dream of Homeownership
Homeownership isn't just a goal—it's the foundation of generational wealth and financial stability. But what happens when your clients are ready to buy, yet can't qualify for traditional FHA or Non-QM loans?
You meet them where they are and guide them toward success.
The DreamBuilder Program:
Turns renters into future homeowners with a lease-to-own solution
Helps clients build equity while living in their dream home
Ensures clients don't rent as ordinary tenants but as future homeowners
Works toward FHA-level financing or beyond
Committed to closing the homeownership gap by serving all communities
DreamBuilder Program Highlights
Our innovative program offers flexible solutions to help more people achieve homeownership
Eligible up to 96.5% LTV, making homeownership more accessible with lower down payment requirements.
- •FHA Standard Balance
- •FHA High Balance considered on case-by-case basis
- •580 Minimum
- •< 580 considered on case-by-case basis
- •One (1) tradeline with at least 12 months satisfactory history
- •Alternative credit may be acceptable
- •FHA Full Documentation (1 Year)
- •Assets as Income
- •Bank Statement Only Income
- •1099s + Bank Statements
- •U.S. Citizens
- •Permanent Resident Aliens
- •Non-Permanent Resident Aliens, including ITIN and DACA
DreamBuilder ITIN Loan Program
Our specialized mortgage solution for ITIN holders, DACA recipients, and non-permanent residents who dream of homeownership.
The 3-Month Bank Statement Program
A powerful alternative to a traditional bank statement mortgage. We help self-employed professionals and business owners achieve homeownership without tax returns.
Who's The DreamBuilder Homeownership Program For?
Our program is designed to help a wide range of individuals achieve homeownership
W-2 Workers with Prior Credit Challenges
Stable income but past credit issues? We can help you overcome these barriers.
Self-Employed Individuals
Non-traditional income shouldn't prevent homeownership. Our 3-Month Bank Statement Program is designed for you.
Those Declined for a Traditional Mortgage
Don't let a mortgage denial end your homeownership dreams. We offer alternative paths.
Renters Who Want to Build Equity
Stop paying someone else's mortgage and start building your own wealth through homeownership.
Clients with Non-Traditional Income Sources
Multiple income streams or non-traditional employment? We have solutions for you.
1099 & Bank Statement Qualifying Individuals
We look beyond traditional income documentation to help you qualify.
ITIN Holders and DACA Recipients
Our DreamBuilder ITIN Loan Program is specifically designed to help ITIN holders and DACA recipients achieve homeownership with flexible qualification options and up to 96.5% LTV financing.
Underserved Community Members
We're committed to closing the homeownership gap in all communities.
Credit-Challenged Borrowers
Past credit issues don't define your future. We offer paths to homeownership despite credit challenges.
Success Stories
Hear from agents and homeowners who have experienced the DreamBuilder difference
"The DreamBuilder program helped me close deals I never thought possible. My clients who were previously denied by traditional lenders are now homeowners, and I've expanded my business significantly."
Sarah Johnson
Real Estate Agent, California
"As a self-employed business owner, I struggled to qualify for a traditional mortgage. DreamBuilder understood my unique situation and helped me purchase my dream home. The process was smooth and transparent."
Michael Rodriguez
Business Owner, Texas
"I've been in real estate for 15 years, and DreamBuilder is a game-changer. It's opened doors for clients who thought homeownership was out of reach. The support from the DreamBuilder team is exceptional."
David Thompson
Broker, Florida
Become an Approved Agent
Help families find their way to homeownership with the DreamBuilder program. Expand your business by offering innovative solutions to clients who might otherwise be unable to purchase a home.
As an Approved Agent, You Can:
Serve clients who have been declined by traditional lenders
Expand your business to underserved communities
Provide innovative solutions to credit-challenged clients
Help create generational wealth through homeownership
Help Provide Stability and Housing Security with DreamBuilder
National Average Rent Increase data from the U.S. Department of Housing and Urban Development (HUD)
Between 2020 and 2024, the average rent increased 24.2%
From 2007 to 2024, rent inflation outpaced hourly wage inflation 17.6%
Rent prices grew over 6 times faster than real median household income from 2000 to 2022
In the 21st century, the average rent has increased 130.8%, averaging 3.51% annual growth
Our Core Values
The principles that guide everything we do at DreamBuilder
Fresh, creative solutions to help more people achieve homeownership through non-traditional paths.
Honesty and transparency in all our dealings with clients, partners, and communities we serve.
Top-notch services and solutions that exceed expectations and create lasting positive impact.
DreamBuilder Payment Calculator
Estimate your monthly lease payment and cash to close for our 40-year program.
Ready to Build Your Dream?
Start your application today and take the first step towards owning your dream home. Our streamlined process makes it easy and efficient.
- Competitive rates and flexible terms
- Experienced loan officers
- Fast and efficient approval process
- Dedicated support from start to finish
Frequently Asked Questions
Get answers to common questions about the DreamBuilder Wayfinder program
How does the DreamBuilder program differ from traditional mortgages?
The DreamBuilder program is designed to help clients who may not qualify for traditional mortgages due to credit challenges, non-traditional income, or other barriers. It offers a lease-to-own solution that helps clients build equity while working toward traditional FHA-level financing or beyond.
What are the benefits for real estate agents?
As an approved agent, you can expand your business by serving clients who have been declined by traditional lenders, reach underserved communities, and provide innovative solutions to credit-challenged clients. This allows you to close more deals and help more families achieve homeownership.
How do clients build equity in the DreamBuilder program?
Unlike traditional renting, a portion of each monthly payment in the DreamBuilder program goes toward building equity in the home. This helps clients work toward homeownership while living in their dream home, rather than just paying rent with no long-term benefits.
What types of properties are eligible?
The DreamBuilder program works with a wide range of residential properties, including single-family homes, townhouses, and condominiums that meet FHA property standards. Each property is evaluated on a case-by-case basis to ensure it meets program requirements.
How long does the approval process take?
The approval process for both agents and clients is streamlined for efficiency. Agent approvals typically take 24-48 hours, while client approvals can be completed within 3-5 business days, depending on the complexity of the application and documentation provided.
What is the DreamBuilder ITIN Loan Program?
The DreamBuilder ITIN Loan Program is our specialized mortgage solution designed specifically for ITIN holders, DACA recipients, and non-permanent residents. It offers up to 96.5% LTV financing, accepts alternative income documentation, and provides flexible credit requirements to make homeownership accessible to those who may not qualify for traditional mortgages.
Can I get a mortgage with an ITIN number?
Yes, our DreamBuilder ITIN Loan Program is specifically designed to help ITIN holders obtain mortgage financing. While traditional lenders may not offer loans to ITIN holders, our program recognizes that many ITIN holders have strong financial profiles and are excellent candidates for homeownership.Learn more about our ITIN Loan Program →
Let's Help Families Find Their Way to Homeownership
Join our network of trusted agents and make a difference in your community. Fill out the form to learn more about becoming an approved agent.
Expand Your Business
Serve clients who have been declined by traditional lenders and tap into new markets.
Dedicated Support
Get personalized training and ongoing support from our experienced team.
Make a Difference
Help create generational wealth through homeownership in underserved communities.
Our Partners
Working together to make homeownership accessible for everyone
