DIVVY Program

Hello, future homeowner.

Find your dream home, move in now, and rent with built-in savings for your down payment. In 3 years or less, you’re ready to buy.

How do I qualify and get approved for Divvy?

You can apply online in minutes to find out if you may be pre-qualified for the Divvy program. Eligibility is determined by a variety of factors including credit profile, income, and background check.

Here are the minimum qualification requirements we consider:

A FICO score of at least 550*: All applicants need to pass a soft credit check—this won’t affect your credit score. We’ll look at your FICO score, recent loan delinquencies, and any foreclosures or bankruptcies**.

In some cases, a soft credit check might not provide Divvy with enough information to determine your eligibility. If this happens, we’ll reach out and explain how to move forward.

* Be aware that not all FICO scores are calculated the same way—we use Experian as our credit bureau. Your score through your credit card company or third-party service could appear differently. Our credit requirements are also subject to change at any time.

** We may still be able to move forward if a bankruptcy has been cleared for more than one year.

A minimum monthly household income of $2,500: You can add a co-applicant during the application process. The exact minimum required income will depend on factors like, your current debt levels and home prices in your desired metro area.

3 months of verifiable income: We look for 3 months of steady income. You’re able to add multiple income sources including self-employment. Just know that self-employed income can take a little longer to verify.

Background check: We run a background check to determine your rental history and criminal background. For criminal background checks, we evaluate the recency and severity of any convictions.

A valid government-issued photo ID

*Be aware that not all FICO scores are calculated the same way—we use Experian as our credit bureau. Your score through your credit card company or third-party service could appear differently. Our credit requirements are also subject to change at any time.