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Homebuyer Purchase Program

DREAM is shining a bright light on expanding affordable homeownership opportunities for underserved communities that have faced systemic barriers.


For too long, discrimination and bias policies in lending practices have perpetuated racial disparities in access to homeownership. DREAM is writing a new chapter through our proprietary mortgage lending platform.


Our purchase program tackles major obstacles that have excluded far too many creditworthy borrowers. Through fair lending standards and customized loan products, we are increasing access to the dream of homeownership.


At DREAM, our mission extends beyond mortgages. We provide financial coaching and homebuyer education to set up our customers for long-term success. We walk with them throughout their journey to build generational wealth.


Our team brings expertise in equitable lending and a passion for empowering underserved communities. We see the brilliance and potential in every customer.


Learn How DREAM Is Reinventing Mortgage Lending


  1. Limited savings; 

  2. Unaffordable terms;

  3. Restrictive underwriting; and

  4. Discrimination and Biases.


All homebuyers are welcome, with the focus on low-to-moderate-income people and people purchasing in low-to-moderate-income areas. DREAM does not take into consideration one’s credit score:


  • No Down Payment

  • No Closing Costs

  • No Fees

  • No Mortgage Insurance

  • Below Market Fixed Rate


The DREAM Mortgage can be used for a wide range of property and transaction types.  This includes the following property types:

  • Single-Family

  • Condominium

  • Multi-Family

  • Mixed-Use Properties and Co-ops.


The types of transaction types are the following:

  • Pre-existing

  • New Construction

  • Manufactured/Mobile Homes

  • Modular Homes.

Register for the Homebuyer Purchase Program

Choose All That Apply

Thanks for registering, your information has been received.

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