Property file
The property already has a record
Every property in your workspace carries its own deed history, tax history, comps, rent estimate, and equity position. Underwriting reads it — it does not re-pull a county record you already have.
Dreamery Mortgage™In-house lender
The lender
that lives
inside your workspace.
Every loan a real-estate operator needs — owner-occupant, rental, project, commercial, creative finance — decisioned by Dreamability™ in minutes, because your property, entity, and transaction data are already here.
0 min
To pre-approval target
0
Steps from app to funded
0+
Loan programs covered
0
Application, every program
Minutes — not weeks — because the file is already here.
Traditional underwriting starts from zero — re-collecting documents, re-verifying assets, re-keying data the borrower already entered somewhere else. Dreamability™ starts with the primary-source data your Dreamery workspace already holds, then re-runs the file every time something changes. That is where the minutes come from.
Linked accounts
Primary-source cash flow, not screenshots
Connected operating accounts stream actual balances and transaction history into the file. No 60-day statement chase, no manually exported PDFs — Dreamability scores the real numbers.
Entity & ownership
Title and ownership are already mapped
LLCs, members, signing authority, and capital flow are already on file in your workspace. Conditions that normally surface late in underwriting resolve before you submit.
Doc vault
Appraisals, leases, HUDs — already on file
Documents from prior Dreamery transactions are reusable. The same insurance binder, lease, or appraisal does not get requested twice across deals.
Equal Housing Lender
Fair lending, every program
NMLS #2400000
Federally registered
SOC 2 Type II
Audited security & access controls
Licensed in 47 states
See compliance footer for list
01 / 06The process
From application to funded — six steps, days not weeks.
Dreamability collapses the parts of mortgage that exist only because the data was scattered. Once your workspace knows the deal, the loan moves at the speed of the documents you actually still need.
- 01
Apply
~3 minutesThe application pre-fills from your Dreamery workspace — property, entity, borrower, recent transactions. Confirm what changed and submit.
- 02
Decision
~5 minutesDreamability scores your accounts, transaction history, cash flow, and property data — primary-source financial truth — then ranks every program in parallel. Pre-approval letter in your dashboard.
- 03
Match
Same sessionSee every program you qualify for side-by-side — rate, term, points, monthly, cash-to-close. Pick the one that fits the deal.
- 04
Verify
24–72 hoursProperty appraisal (or AVM where allowed), title order, and final document collection — all triggered from inside the workspace, no third-party portals.
- 05
Underwrite
24–48 hoursFinal underwriting and conditions clear automatically as documents land. Dreamability flags the path to clear-to-close in real time.
- 06
Close & fund
1–3 daysClosing docs route through DeSign™ for in-house e-sign. Wire instructions, recording, and funding all execute from the same workspace.
02 / 06Why it is different
A lender that knows the deal because it lives in the same workspace.
Workspace-native
The lender that already has the file
Dreamability pulls property records, comps, rent estimates, equity, entity ownership, and transaction history straight from your Dreamery workspace. No duplicate forms, no resending the title commitment, no re-uploading the same bank statements.
Continuous underwriting
Re-underwrites itself until close
Rates move, comps shift, an appraisal lands — Dreamability re-runs the file automatically and pings you the moment a term changes or a better program opens up. Not a one-shot quote you have to keep refreshing.
In-house, not a marketplace
You are not shopping a list of brokers
Dreamery Mortgage™ is the lender. One file, one team, one set of expectations — not a referral fee disguised as a product. The loan lives in the same workspace as the deal.
No surprise denials
Conditions are visible from day one
Every guideline a file needs to hit — DTI, reserves, LTV, occupancy, seasoning, ownership structure — is shown up front. If something will derail underwriting, you see it before you submit.
03 / 06The catalog
Five categories. Every loan a real-estate operator actually needs.
One application qualifies you across all 40+ programs. Pick the category that matches your scenario and Dreamability ranks every product that fits.
Buy or refinance the home you live in
Every agency program, every government-backed product, every refinance flavor. Decisioned by Dreamability in minutes whether you are a first-time buyer or moving up.
Conventional
Fannie Mae and Freddie Mac conforming loans for primary residences with as little as 3% down.
FHA
Low down payment (3.5%) government-backed loans with flexible guidelines for first-time and repeat buyers.
VA
Zero-down loans for active-duty service members, veterans, and eligible surviving spouses — no PMI ever.
USDA
Zero-down rural development loans for eligible properties in qualifying areas — including suburbs you would not expect.
Jumbo
Loans above the conforming limit with competitive rates for high-cost markets and luxury homes.
Rate-and-term refi
Refinance to a lower rate or shorter term — closes in days because Dreamability already has your file.
Cash-out refi
Pull equity from your primary as a tax-advantaged liquidity event for the next deal.
HELOC
Revolving line of credit secured by home equity — draw, repay, and redraw as deals demand.
Reverse mortgage / HECM
For homeowners 62+, convert equity to monthly income or a line of credit while staying in the home.
04 / 06Sample loan estimates
Three hypothetical scenarios. Not a commitment to lend.
Illustrative pricing for three common deals. Final rate, APR, fees, and program eligibility depend on the property, the operator, and current market conditions at the time of application.
First-time homebuyer
FHA 30yr fixed
$2,135/mo
P&I + est. MIP
- Property price
- $350,000
- Down / equity
- $12,250 (3.5%)
- Loan amount
- $337,750
- Rate
- 6.50% (7.12% APR)
- Cash to close
- $22,500
Investor — DSCR rental
DSCR 30yr fixed
$2,360/mo
P&I
- Property price
- $450,000
- Down / equity
- $112,500 (25%)
- Loan amount
- $337,500
- Rate
- 7.50% (7.98% APR)
- Cash to close
- $128,500
Fix-and-flip
12-month bridge — interest only
$1,750/mo
Interest only
- Property price
- $250,000
- Down / equity
- $50,000 (20%)
- Loan amount
- $200,000
- Rate
- 10.50% (11.85% APR)
- Cash to close
- $58,000
Rates and APRs shown above are illustrative for hypothetical scenarios as of May 10, 2026. Assumes a strong borrower profile, 30-year fixed unless noted, no discount points, and standard fees. APR includes estimated lender fees and varies by loan size, term, occupancy, property type, and program. Not a commitment to lend. All loans subject to underwriting approval, verification of borrower-provided information, and property appraisal. Programs and pricing subject to change without notice.
05 / 06Common questions
Frequently asked.
How does Dreamability decision a loan without re-collecting my data?
Dreamery already has primary-source financial truth — your linked accounts, balances, inflows, outflows, transaction history, entity ownership, and the properties you already track in the workspace. Dreamability scores your file directly against each program guideline using that source data, in parallel, across every program you are eligible for.
Is a Dreamery pre-approval letter portable? Can I use it on a property I found outside the workspace?
Yes. The pre-approval letter is signed by Dreamery Mortgage and you can submit it with any offer — listing agent, FSBO, auction, off-market. The letter references the loan amount you are approved for and the conditions still to clear.
What property types and locations does Dreamery finance?
One to four-unit residential, condos and townhomes, manufactured (case-by-case), multifamily (5+ units), mixed-use, retail / office / industrial commercial, ground-up new construction, lots and raw land (case-by-case), short-term rentals, and most vacation property types. See the state licensure list in the compliance footer for current geographic coverage.
Does Dreamery service the loan after closing?
Servicing varies by program. Some loans are retained; others are sold to investors at or after closing. You continue to manage the loan inside your Dreamery workspace regardless of who services the payments — escrow, payoff, payment history, and 1098s all surface in-app.
Are creative-finance structures (sub-to, wraps, seller carry, trusts) really supported?
Yes. Dreamery underwrites the deal as structured. Subject-to overlay financing, wrap-mortgage take-outs, seller-finance buyouts, lease-option exercises, land contracts, and entity / trust ownership are all first-class — listed in the Creative Finance tab above.
When are live rates and full state licensure available?
Sample rates on this page are illustrative for hypothetical scenarios. A live rate-sheet, signed loan estimates, and the full state licensure list go live when you sign in and start an application — or contact a Dreamery loan officer for a current quote.
06 / 06Ready when you are
Apply once. Qualify everywhere. Close on time.
Dreamability already knows the property and the operator. The only thing left is to pick the program and sign the docs.
Dreamery Mortgage, Inc. · NMLS #2400000 · Equal Housing Lender
Dreamery Mortgage, Inc. is licensed to make consumer and commercial real-estate loans in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI. State licenses and individual loan officer NMLS IDs available at nmlsconsumeraccess.org or upon request.
Sample rates and APRs shown on this page are for illustrative purposes only and are not a commitment to lend. Actual rates, APRs, fees, and program availability depend on loan amount, occupancy, property type, transaction type, and verified borrower profile, and are subject to change without notice. Loan products are subject to credit and property approval. Not all applicants will qualify. Property insurance is required for all loans secured by real property; flood insurance may be required where applicable. Equal Housing Opportunity.
Dreamability™, Dreamery Mortgage™, Dreamery Workspaces™, and DeSign™ are trademarks of Dreamery, Inc. © 2026 Dreamery, Inc. All rights reserved.