DreamBuilderby Open Mortgage Wholesale
Even if a bank already said no. DreamBuilder helps hardworking people — including ITIN/DACA holders, self-employed buyers, and renters rebuilding their credit — move toward owning a home, not just renting one.
Every month, millions of hardworking people pay rent that builds someone else's wealth — not their own. Many of them could be great homeowners. They pay their bills. They show up for their families. But a bank looked at their file and said no — because of a credit hiccup, a lack of traditional income documentation, or simply not having a Social Security Number. DreamBuilder exists because we believe that's not the end of the story. It's a structured, honest way to start building toward a home you can call your own — one step at a time.
DreamBuilder is designed as a structured path toward ownership — not a way to stay a renter forever.
Credit challenges, ITIN status, self-employment, or a past bankruptcy don't have to be the end of the road.
The program is structured to help you work toward ownership and equity over time, instead of paying rent with nothing to show for it.
If any of this sounds like you, DreamBuilder was built with you in mind. You belong here.
No Social Security Number? You can still be considered for a path to homeownership.
Run your own business with limited traditional documentation? That's welcomed here.
A past bankruptcy doesn't have to close the door on owning a home.
Renters who've paid on time for years but have little to no credit history — you're not overlooked here.
Here's the mechanism in plain language — no jargon, no surprises.
A quick, honest conversation about where you are today and where you want to be.
A qualifying entity purchases the property on your behalf as part of the program structure.
You live in the home as your own, under a structured lease agreement.
The program is structured to move you toward ownership and equity — a real path forward, not just a rental.
This is a general description of how the program is structured. Every situation is different — Ian will walk you through exactly how it could work for you, with no obligation. This is not a commitment to lend, and all loans are subject to credit and property approval.
Ian is a licensed loan originator based in Columbus, Ohio, working with Barrett Financial Group to help people who've been turned away by traditional lenders find a real path forward. He believes everyone deserves a fair, honest conversation about their options — no pressure, no judgment, just straight answers.
No. DreamBuilder is not a guarantee of approval. Every applicant's situation is reviewed individually, and all loans are subject to credit and property approval. Ian will give you an honest assessment of your options.
No. ITIN holders are welcomed into this conversation. Ian can walk you through what documentation may be needed for your specific situation.
That's exactly who this program was built to help. Credit challenges and a past bankruptcy don't automatically disqualify you — reach out and let's talk about where you stand.
Self-employed income is welcomed. Traditional lenders often struggle with non-W2 income — this conversation is built around understanding your real financial picture.
Not on this page. Rates, payments, and terms depend on your individual credit and property approval, and are discussed directly and transparently once Ian reviews your situation.
None. The initial conversation is free and there's no obligation to continue. It's simply a chance to understand your options.
Working on credit first? Grab the free credit-improvement kit →
A free, no-obligation conversation takes under 3 minutes. Ian will listen to your situation and give you an honest read on your options. All loans are subject to credit and property approval.
See If I Qualify — Free →