For lenders
Gift funds your underwriters can verify
Gift funds are good business and a documentation headache. Borrowers arrive with screenshots, undated transfers, and letters written the night before underwriting. Dreamfund exists to make the gift-funded file the cleanest one on the desk.
Documented at the moment of giving
Every gift made through Dreamfund generates a gift letter meeting agency documentation standards at the moment of contribution: the amount, the giver’s name and relationship to the borrower, and a signed statement that no repayment is expected. No reconstruction, no chasing donors for signatures three days before closing.
Sourced and seasoned where it should be
Funds land in a deposit account opened in the borrower’s own name at a partner bank and wait there, with each dollar carrying a recorded giver, date, and source. The trail your underwriter needs to establish sourcing and seasoning accumulates as the fund grows, and funds release only to a licensed settlement agent at closing.
Borrowers who arrive prepared
Dreamfund buyers start with a Dream Score that maps the assistance programs and employer benefits they may qualify for, and HUD-approved housing counseling is integrated into the platform. The borrower who reaches your pipeline has a documented savings history, a realistic number, and counseling behind them, the profile that closes.
If you are evaluating documentation formats, program fit, or a referral relationship, we would like to talk.