Alternative credit accepted

Utility bills, phone bills, gym memberships paid on time.

12 months of payment required

Must present 12 mo. of documented housing payment history.

Only 3.5% down required

We’re lowering the barriers so you can own a house sooner.

A credit score isn't the only way to prove you're ready.

A lot of buyers assume no Social Security number means no path to homeownership. That's not true. The DreamBuilder ITIN program looks at how you actually pay your bills, not just what's on a traditional credit report, and opens the door with as little as 3.5% down.

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What DreamBuilder Helps With

‍Built for buyers the traditional system overlooks. This program doesn't ask you to fit into a box that was never designed with you in mind.
Perfect for the self-employed. You may qualify with as little as one year of self-employment income history. The program accepts documentation such as bank statements, tax returns, P&L statements, and K-1s.
Eligible for 1–2 unit properties. Purchase an eligible one- or two-unit property. Three- to four-unit properties and co-ops are not eligible.

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A More Flexible Path to Homeownership

An ITIN loan allows eligible borrowers to pursue home financing using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. As a Non-QM loan, DreamBuilder offers more flexibility than a traditional mortgage, giving borrowers additional ways to demonstrate their income, creditworthiness, and ability to repay.