Introducing
DreamBuilder
Unlock the Dream of Homeownership with an Innovative Lease-to-Own Program
Homeownership is more than a goal—it’s a pathway to generational wealth and financial stability. But what happens when your clients are ready to buy, yet struggle to qualify for traditional FHA or Non-QM loans?
You meet them where they are and empower their journey to homeownership.
Our DreamBuilder program turns renters into future homeowners by offering a lease-to-own solution with earned equity along the way. This unique product gives your clients the opportunity to live in their dream home, not as an ordinary “renter” but as a future homeowner while building equity over time — ultimately positioning them for FHA-level financing or beyond.
At Open Mortgage Wholesale, we believe everyone, in all communities, including those who are underserved, deserve access to the American Dream. Through education, innovation and hard work, we’re closing the homeownership gap to empower more families to build brighter futures.
Together, let’s turn renting into owning and empower more families to build lasting wealth. With every step forward, we’re helping your clients create a foundation for their future and a legacy for generations to come.
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The path to homeownership starts here—let’s make dreams a reality. Learn more or connect with Open Mortgage Wholesale to discuss a deal or scenario.
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)
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Eligible up to 96.5% LTV
Loan Amount
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FHA Standard Balance
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FHA High Balance considered on case-by-case basis
Credit Score
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580 Minimum
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< 580 considered on case-by-case basis
Credit
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One (1) tradeline with at least 12 months satisfactory history
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Alternative credit may be acceptable
Qualifying Income
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FHA Full Documentation (1 Year)
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Assets as Income
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Bank Statement Only Income
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1099s + Bank Statements
Homebuyer Eligibility
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U.S. Citizens
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Permanent Resident Aliens
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Non-Permanent Resident Aliens, including ITIN and DACA
Types of Homebuyer/Future Borrowers
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ITIN Holders (May not have an SSN) – Individual Taxpayer Identification Number
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DACA Individuals
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Self-employed borrowers with a higher DTI
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Loan declined by an agency or government lender
Help Provide Stability and Housing
Security with DreamBuilder
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
National Average Rent Increase data from the U.S. Department of Housing and Urban Development (HUD)
