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DreamBuilder FHA Program – 3.5% Down with Expanded Guidelines
Designed for self-employed, ITIN, and high-DTI buyers other lenders turn away
The DreamBuilder FHA Program was created for borrowers who are often overlooked by traditional lending standards — self-employed buyers, individuals with ITINs, high DTI ratios, or those with limited credit history. This program is perfect for buyers who have the ability to own a home but don’t fit into the conventional lending box.
FAQs
Q1: Can this program help borrowers with no credit score?
Yes. The DreamBuilder FHA Program allows borrowers with no score to qualify using alternative tradelines.
Q2: Can an ITIN borrower apply?
Absolutely. ITIN borrowers are fully eligible under this program.
Q3: Is one year of self-employment enough to qualify?
Yes, this program accepts self-employed borrowers with just one year of documented self-employment income.
Q4: What’s the maximum DTI allowed?
Borrowers can qualify with up to 50/60 DTI depending on the compensating factors.
Q5: Are non-permanent residents eligible?
Yes, non-permanent residents are eligible provided they meet FHA’s documentation requirements.
Q6: What property types are allowed?
Primary residences are eligible, including 1-4 unit properties, condos, and some manufactured homes (per FHA guidelines).
Q7: Does this program work for buyers denied elsewhere?
Yes, this program was specifically built for buyers who have been turned down by traditional AUS underwriting but still demonstrate strong potential to succeed as homeowners.
Why This Program Works
The DreamBuilder FHA Program offers flexible credit and income guidelines, allowing borrowers with alternative income sources, high DTIs, or limited credit history to purchase a home. By focusing on the borrower’s overall profile instead of just automated credit scoring, this program creates opportunities for those who have the ability to repay but don’t fit the mold.
A Smarter Way to Approve More Buyers
With this program, you can help underserved buyers achieve homeownership — expanding your market reach while giving more families a place to call home. By combining FHA’s low down payment advantage with expanded eligibility rules, this solution turns “denied” into “approved.”