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.

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.

Instead of relying solely on a conventional credit history, this program accepts alternative credit. If you've been paying your bills responsibly, that history can work in your favor here.

This program offers the same low down payment as a standard FHA loan. With a documented track record, you may qualify even without a traditional credit score.

If you're self-employed, this program accepts bank statements, tax returns, P&L statements, and K-1s, and you may qualify with just one year of self-employment income history.

This program is built for primary residences with one or two units. It's a straightforward, focused path designed around how real buyers actually live and buy, not a complicated set of property restrictions.

Ready to talk through your options?

The guide walks you through how the program works in detail. The next step is talking about your specific documentation, your timeline, and what this could look like for your situation.