Your borrowers are arriving with community-funded down payments and no documentation. Dreamfund fixes that. Every contribution generates Fannie Mae, Freddie Mac, and FHA-compliant gift documentation automatically, before the loan application is submitted.
Built for your workflow
Dreamfund integrates into your borrower's pre-application journey so documentation is ready before the loan file opens.
Every community contribution generates a complete gift letter package — donor identity, transfer confirmation, repayment statement, and relationship attestation — in real time.
Documentation is built to Fannie Mae Selling Guide B3-4.3, Freddie Mac, and FHA standards. No rework. No compliance back-and-forth. Ready for your underwriting team on day one.
Borrowers arrive at your institution with a complete Dreamfund documentation package attached. One PDF. All contributors. Full audit trail. Underwriter-ready from minute one.
Dreamfund-powered loans in LMI geographies and to LMI borrowers generate trackable CRA credit. We provide reporting data structured for your CRA exam documentation.
Dreamfund users are first-time buyers who are mortgage-ready but down-payment-constrained. Partner with us and tap into a pre-qualified borrower pipeline actively building toward their goal.
Deploy Dreamfund under your brand. Your borrowers see your institution's co-branded DPA platform. You get the documentation, the compliance, and the community goodwill.
Compliance coverage
Dreamfund gift documentation meets the requirements of every major agency guideline.
| Guideline | Requirement | Dreamfund Coverage | Status |
|---|---|---|---|
| FNMA B3-4.3 | Gift letter with donor name, amount, relationship, no repayment language | Auto-generated per contribution with donor attestation | ✓ Compliant |
| FHLMC 5501.3 | Evidence of transfer and sufficient donor funds | Transfer confirmation attached; donor verification included | ✓ Compliant |
| FHA 4000.1 | Gift funds from eligible donors; no expectation of repayment | Relationship attestation + repayment prohibition included | ✓ Compliant |
| VA / USDA | Gift letter with donor-to-borrower relationship and gift nature confirmation | Relationship mapping and gift nature statement included | ✓ Compliant |
| Bank Secrecy Act | Fund source verification for large contributions | Source of funds documentation for contributions above reporting thresholds | ✓ In scope |
Integration flow
Borrower sets a down payment goal and shares their Dreamfund page with community.
Each donor is identity-verified. Contributions are tracked with full audit trail.
Dreamfund packages all gift letters, transfer records, and attestations automatically.
Borrower submits to your institution with a complete, compliant documentation package attached.
See it in action
A quick walkthrough of the platform, the documentation package, and how it fits into your underwriting workflow.
Dreamfund for Lenders
Automated gift documentation from campaign to closing table.Partner with Dreamfund
Tell us about your institution. We'll show you exactly how Dreamfund integrates with your underwriting workflow and borrower pipeline.