💡 What Is DreamBuilder?

DreamBuilder is not your typical loan. It’s a government-supported program that allows an FHA-eligible Government Entity to buy a home on behalf of the client. Later, the client can purchase that home back, giving them time to stabilize their finances and build equity in the process.

It’s not just a loan—it’s a path to ownership with purpose, especially for renters who’ve been told "no" too many times.

🏡 Who Is DreamBuilder For?

DreamBuilder was built for people who:

• Don’t have perfect credit

• Don’t fit into the “traditional borrower” box

• Need alternative ways to show income

• Are working toward long-term stability and ownership

This includes:

• First-time buyers

• Self-employed individuals

• ITIN and DACA holders

• Those with limited credit history

✅ Program Highlights

• Loan to Value (LTV): Up to 96.5%

• Credit Score: Minimum 580, but under 580 can be considered on a case-by-case basis

• Income Flexibility:

  • Full-doc FHA

  • Bank statements only (for self-employed)

  • 1099 + asset-based income options

• Loan Amounts: Standard FHA + High Balance available (case-by-case)

• Credit History: Only one tradeline with 12 months of good history required

  • Alternative credit accepted!

🌎 Who’s Eligible?

DreamBuilder welcomes:

• U.S. Citizens

• Permanent and Non-Permanent Resident Aliens

• ITIN & DACA recipients

That’s a game-changer in communities where traditional home loans are out of reach for many hardworking families.

🤝 Why Realtors Should Care

Realtors—this is your opportunity to open more doors (literally and figuratively). DreamBuilder gives you an edge in helping renters become buyers, even when they don’t meet conventional standards.

Instead of losing clients who “aren’t ready,” you can plug them into a structured program that gives them a real shot at ownership—and keeps you top of mind when they’re ready to close.

📞 Let’s Talk

If you’re a renter who’s tired of waiting, or a Realtor who’s ready to serve more clients, let’s connect. I can help you navigate DreamBuilder, explain the guidelines clearly, and create a path that works.

Contact:
📧 Francine@MMCapitalLLC.com
📞 828.429.8368

DreamBuilder turns “not yet” into “let’s get started.”
Let’s talk about how this program can change your story—or your client’s.