Ready to start your homeownership journey?
Apply below for rent to own programs
How do I qualify for Divvy?
WHAT ARE THE MINIMUM REQUIREMENTS?
Minimum FICO score of 550*: Even if you’ve hit a few bumps in the road, Divvy could be the right partner for you. Once you’ve moved into your home, we’ll pair you with a free credit counselor to help you get ready for your own mortgage.
Minimum monthly household income of $2,500: Adding a co-applicant during the application process may help you reach this minimum. Minimum required income will depend on factors like your current debt levels and home prices in your metro area.
Employment history for the last 3 months: Divvy looks for 3 months of steady income, which makes us a great option if you’re self-employed or have recently started a new job.
Background check: We run a background check to ensure there are no bankruptcies or evictions in the last 12 months.
A valid government-issued photo ID
How do I qualify for Dream America?
WHAT ARE THE MINIMUM REQUIREMENTS?
+ FICO score of 500
+ Household pre-tax income of $4,000/month (applicant + co-applicant, if any). For self-employment or those who have a combination of self-employment and wages, Dream America uses total income from your tax returns as the starting basis in determining qualified income for the program
+ $8,000 or more available from savings, 401k or gift. If savings, funds must be available in your bank accounts and average greater than $8,000 over the preceding 2 most recent bank statements in order to be considered. If 401k or gift, bank balance must also average at least $5,000. Applicants that don’t provide this documentation will be automatically denied
+ Debt to income ratio including Dream rent below 50%
+ 12-month track record of paying rent on-time
+ U.S. citizen or Permanent Resident Alien
