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Dream America's mission is to promote homeownership. The Dream America Program is designed to turn renters into homeowners. Once approved, you go out with a local real estate agent and pick any house you want within your approved budget. Dream America will then buy the home and lease it back to you until you qualify for a mortgage.

Dream America minimum requirements

-500 FICO credit score
-$4,000/month pre-tax household income (applicant + co-applicant, if any)
-12 months of on-time rent payments
-Savings / gift / 401k of $8,000+ that can be used towards home purchase

We are thrilled that you have taken the first step towards homeownership!

All fields with * are required.

First Name *

Last Name *

Phone *

Email *

Marital status? *

Married Unmarried Separated

What price home would you like to buy? *

How did you hear about Dream America? *

I am applying *

Co-applicant First Name *

Co-applicant Last Name *

Co-applicant Phone *

Co-applicant Email *

What state do you want to buy a home?*

Pets welcome! Do you have pets? *

What city do you want buy a home? *

How much cash do you have available now towards your home? *

Source of Funds? *

Next >

We are now going to ask about your income and expenses to see what house you can qualify for.

Please list your sources of monthly income

Applicant

Monthly Paycheck (W2 employee) $

Self-employed / 1099 $

VA Benefit $

Social Security Benefit $

Alimony / child support $

Other $

Total applicant Monthly income $

Co-Applicant

Monthly Paycheck (W2 employee) $

Self-employed / 1099 $

VA Benefit $

Social Security Benefit $

Alimony / child support $

Other $

Total co-applicant Monthly income $

Total Household Income $

Before hitting next, please confirm this is your monthly, not annual income.

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let’s take a look at your monthly payments:

Applicant

Monthly Car Payment $

Minimum credit card payment $

Do you have student loans?

Student Loan Monthly Payment (0 if deferred) $

Balance of student loans $

Other monthly payments (loans, child support, etc)? $

Total payments for applicant $

Co-Applicant

Monthly Car Payment $

Minimum credit card payment $

Do you have student loans?

Student Loan Monthly Payment $

Balance of student loans $

Other monthly payments (loans, child support, etc)? $

Total payments for co-applicant $

Total Household Payments ex-rent $

Your current rent/mortgage payment? (if none, enter 1) $

When does your lease end? Can you leave early?

Current Home Address

Street

City

State

Zip

Before selecting next, please review your total household payments above and edit as needed.

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A few final questions…..!

Did you file taxes for all years through 2023? *

Are you current on all your taxes? *

Prior bankruptcy? *

Discharge Date

Prior Foreclosure? *

Discharge Date

How many 60+ day late payments have you had in the last 6 months? *

Describe late payments

Are you Veteran and plan to apply for a VA mortgage? *

Are you a U.S. Citizen? *

Are you a Green Card holder? *

Applicant social security number *

Co-Applicant

Did you file taxes for all years through 2023?

Are you current on all your taxes?

Prior bankruptcy?

Discharge Date

Prior Foreclosure?

Discharge Date

How many 60+ day late payments have you had in the last 6 months?

Describe late payments

Are you Veteran and plan to apply for a VA mortgage?

Are you a U.S. Citizen?

Are you a Green Card holder?

Co-applicant social security number*

By applying, I accept Dream America’s privacy policy. I confirm that my application is accurate and that in order to be considered, I must provide supporting documentation requested by Dream America.

I understand that by clicking the I AGREE box, I am providing 'written instructions' to Dream America LLC under the Fair Credit Reporting Act, authorizing Dream America LLC to obtain information from my personal credit profile or other information from Experian. I authorize Dream America LLC to obtain such information solely to conduct a pre-qualification for credit. This is a soft credit pull and will not impact your credit score. I AGREE

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Dream America minimum requirements

All fields with * are required.

Please list your sources of monthly income

Current Home Address