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Introducing

DreamBuilder

Unlock the dream of homeownership with the DreamBuilder Pathfinder Home Path Program, an innovative solution designed to help your clients achieve their homeownership goals. Whether they’ve faced setbacks or challenges, our program provides a clear, tailored path to make owning a home a reality.

Up to 96.5% LTV

Self Employed 3 month Bank Statement

<580 & No Score options Available

ITIN & DACA Eligible

Max 50/60 DTI

1 day Bankruptcy Seasoning

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DREAMBUILDER TEAM

Available as of December 10th, 2024

DREAMBUILDER

Contact for Location Availability

Unlock the Dream of Homeownership with an Innovative Lease-to-Own Program

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 that helps clients build equity while living in their dream home. This unique program ensures they don’t rent as ordinary tenants but as future homeowners, working toward FHA-level financing or beyond.

At Elevation Brokerage, we’re committed to closing the homeownership gap by serving all communities, especially those underserved, with innovative solutions, education, and determination. We believe everyone deserves access to the American Dream.

Let’s transform renting into owning and help families create a foundation for financial stability and generational wealth. With every step, we’re empowering your clients to build a brighter future and leave a lasting legacy.

The path to homeownership starts here. Contact Elevation Brokerage today to discuss a deal, scenario, or learn more about the DreamBuilder Program.

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.

DreamBuilder Program Highlights

Loan to Value (LTV)

Eligible up to 96.5% LTV

Loan Amount

FHA Standard Balance

FHA High Balance considered on case-by-case basis

Credit Score

580 Minimum

< 580 considered on case-by-case basis

Credit

One (1) tradeline with at least 12 months satisfactory history

Alternative credit may be acceptable

Qualifying Income

FHA Full Documentation (1 Year)

Assets as Income

Bank Statement Only Income

1099s + Bank Statements

Homebuyer Eligibility

U.S. Citizens

Permanent Resident Aliens

Non-Permanent Resident Aliens, including ITIN and DACA

Who's The DreamBuilder Homeownership Program For?

W-2 Workers with Prior Credit Challenges

Self-Employed Individuals

THOSE DECLINED FOR A TRADITIONAL MORTGAGE

Renters Who Want to Build Equity

Clients with Non-Traditional Income Sources

1099 & BANK STATEMENT QUALIFYING INDIVIDUALS

ITIN Holders and DACA Recipients

Underserved Community Members

Credit-Challenged Borrowers

Become a DreamBuilder

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 inflaction 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

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Innovation

Fresh, creative solutions.

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Integrity

Honesty and transparency.

Excellence

Excellence

Top-notch services.

LET'S HELP FAMILIES FIND THEIR PATH TO HOMEOWNERSHIP

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Copyright 2025. Elevation Brokerage. All Rights Reserved.

© 2024 Elevation Brokerage, a DBA of Roxford Holdings Inc. Corporate Office is located at 23015 Colonial Parkway, Building A, Suite A108-2 Katy, Tx 77449. For Advertisement Purpose Only. All Rights Reserved. NMLS# 1843021. Tel: 1-888-466-5422. To see the states where the company is licensed and where the DBA is used, please visit www.nmlsconsumeraccess.org. This website is for informational purposes only and is intended for industry professionals only. This is not an advertisement to extend credit as defined by TILA/Regulation Z nor an application for credit as defined by RESPA/Regulation X. Credit and collateral are subject to approval. Program and other restrictions may apply. Programs, rates, terms, and conditions are subject to change without notice.