DreamBuilder: Turn Your Rent Into Homeownership in Miami
Buying a home in Miami can feel out of reach when traditional banks close their doors. Many families with low credit scores, self-employed income, or no Social Security number feel stuck paying rent every month without building wealth for the future.
The good news is that there’s now an innovative alternative: the DreamBuilder Program from Open Mortgage Wholesale.
What is DreamBuilder?
DreamBuilder is a unique lease-to-own program that allows you to move into the home of your choice right now and buy it later.
Unlike traditional renting, with DreamBuilder:
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Your monthly payments are stable and predictable.
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Every payment builds equity (value) in your home.
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You’re protected from rising rents.
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You gain time to strengthen your credit and finances until you’re ready to officially become a homeowner.
Key Benefits of DreamBuilder
✅ Flexible credit – Even with a low FICO score or limited credit history, you can qualify.
✅ ITIN and DACA accepted – Not having a Social Security number is no longer a barrier.
✅ Rental and utility payments count – Your history of paying rent and bills on time works in your favor.
✅ Non-traditional income accepted – Bank statements, 1099s, or other alternative methods can be used to qualify.
✅ Higher DTI allowed (50%–60%) – Much more flexible than traditional loans.
✅ Special cases included – Buyers with recent bankruptcy, divorce, or job changes can still apply.
✅ Build equity while you rent – Your payments don’t disappear; they help you secure ownership.
How Does the DreamBuilder Process Work?
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Find the home you want in Miami or Broward County.
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An FHA-approved entity purchases the property on your behalf using FHA financing.
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You move in and start paying a fixed monthly payment.
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Over time, your purchase option price decreases while you build equity and stability.
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When you’re ready, you can officially buy the home by either:
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Refinancing with a loan in your name.
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Assuming the existing FHA loan with favorable terms.
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Either way, the home becomes 100% yours.
Why Choose DreamBuilder?
In today’s market, where rents keep climbing and credit requirements are tougher than ever, DreamBuilder is a real, human solution for hardworking families, immigrants, and first-time buyers.
It’s your chance to break the cycle of renting without return and start building wealth in your own Miami home.
Take the First Step Toward Homeownership in Miami
If you’d like to learn more about the DreamBuilder Program and see if you qualify, reach out today:
📞 William Gartin – Realtor® eXp Realty
📱 305-842-6097
🌐 williamgartinrealestate.com
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✉️ If you know someone who’s thinking about buying or selling a home, it would be an honor to be recommended. I’ll be happy to help them with the same dedication and commitment I bring to working with you.
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