Welcome to our dedicated page for Dream Finders Homes SEC filings (Ticker: DFH), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Dream Finders Homes, Inc. (NYSE: DFH) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as filed with the U.S. Securities and Exchange Commission. As a publicly traded homebuilder headquartered in Jacksonville, Florida, Dream Finders Homes uses these filings to report material events, financing arrangements and operating results that are important for understanding its homebuilding and financial services activities.
Investors can review Form 8-K current reports in which Dream Finders Homes discloses items such as quarterly and year-to-date financial results, amendments to its senior unsecured revolving credit facility, and details of its 6.875% senior unsecured notes due 2030. These filings describe key terms of the notes, including maturity, interest payments, redemption provisions, covenants and events of default, as well as the use of proceeds and related purchase agreements. Other 8-K filings document share repurchase authorizations for Class A common stock and increases to the program’s limits and duration.
In addition to current reports, users can access the company’s periodic filings, including annual reports on Form 10-K and quarterly reports on Form 10-Q, which present audited and interim financial statements, segment information for the Southeast, Mid-Atlantic and Midwest homebuilding operations, and disclosures about the Financial Services segment that provides mortgage financing and title-related services. These documents also discuss risk factors, liquidity, capital resources and the asset-light or land-light model that the company emphasizes in its communications.
Stock Titan enhances these filings with AI-powered summaries that highlight the main points of lengthy documents, helping readers understand complex sections such as debt covenants, credit facility amendments and capital allocation decisions. Users can also monitor filings related to equity structure and, where available, insider transactions reported on Form 4. With real-time updates from EDGAR and concise AI explanations, this page offers an efficient way to analyze DFH’s regulatory history and ongoing disclosure record.
Dream Finders Homes (DFH) insider activity: President and CEO, a director and 10% owner, reported two open‑market sales of Class A common stock. He sold 7,443 shares on 10/01/2025 at a weighted average price of $26.04 and 6,794 shares on 10/02/2025 at a weighted average price of $25.93. Following these transactions, he beneficially owned 1,891,672 Class A shares directly.
He also reports large holdings of Class B common stock, which is convertible into Class A on a 1:1 basis with no expiration date: 56,320,586 shares held directly, 809,409 shares held by a trust for his children, and 596,158 shares held by POZ Holdings, Inc., which he controls.
Separately, prepaid variable forward sale contracts covering an aggregate 3,000,000 Class B shares were previously entered, with settlement valuation periods in 2027–2029 and disclosed floor prices of $22.12, $24.01, $17.27 and cap prices of $55.30, $66.02, $37.78, respectively.
Patrick O. Zalupski, President, CEO and director of Dream Finders Homes, Inc. (DFH) reported planned stock sales and existing derivative obligations. On 09/15/2025 and 09/16/2025 he sold a total of 21,863 shares of Class A common stock at weighted average prices of approximately $28.54 and $28.27, leaving him with 1,905,909 Class A shares directly held. The filing shows direct ownership of 56,320,586 Class B shares and indirect holdings through POZ Holdings and a trust, and reports that an aggregate of 3,000,000 Class A shares are pledged under prepaid variable forward sale contracts entered in 2024 and 2025. Those contracts permit delivery of shares or cash at settlement depending on future volume-weighted average prices relative to specified floor and cap prices.
Dream Finders Homes insider sale summary: William Radford Lovett II, a director and sole trustee of a family trust, reported multiple sales of Class A common stock on 09/04/2025 and 09/05/2025. The filing shows aggregate disposals of 122,349 shares across four transactions at weighted average prices in specified ranges, with reported per-share weighted-average prices of $28.97, $29.99 and $30.78 for dated sales. After these transactions the reporting person beneficially owns 4,040,883 shares indirectly through the W. Radford Lovett II GST Exempt Trust.
The filing includes price ranges for the sold shares and notes the trustee relationship; no options or derivative transactions are reported.
Dream Finders Homes, Inc. (DFH) insider Patrick O. Zalupski reported multiple dispositions of Class A common stock on September 3-4, 2025, and a pledged position tied to prepaid variable forward contracts covering 3,000,000 Class A shares. The Form 4 lists weighted-average sale prices between approximately $27.14 and $29.21 for the cash sales, and reports remaining beneficial ownership in Class A shares of 1,927,772 shares (direct) and substantial Class B holdings including 56,320,586 shares (direct) plus additional indirect holdings via trust and POZ Holdings, Inc. The prepaid variable forward contracts (entered Aug 14, 2024; Dec 5, 2024; Jun 5, 2025) allow settlement in shares or cash on specified future valuation dates and preserve Mr. Zalupski’s voting and dividend rights while the Pledged Shares remain pledged.
Dream Finders Homes, Inc. entered into an Indenture governing $300 million aggregate principal amount of 6.875% senior unsecured notes due September 15, 2030. Interest on these 2030 Notes is payable in cash twice a year, on March 15 and September 15, starting March 15, 2026, and the notes are fully and unconditionally guaranteed on a senior unsecured, joint and several basis by certain subsidiaries.
The company may redeem portions of the notes before September 15, 2027 at a premium, including up to 40% at 106.875% using specified equity offering proceeds, and later redemptions step down from 103.438% to par through 2029. If a defined Change of Control occurs, holders can require the company to repurchase their notes at 101% of principal plus accrued interest.
The Indenture includes covenants that limit additional debt, certain dividends and share repurchases, asset sales, investments, liens, affiliate transactions and certain mergers, with many restrictions falling away if the notes are rated investment grade by both Moody’s and S&P. It also specifies detailed Events of Default tied to missed payments, covenant breaches, cross-defaults above $30 million, large unpaid judgments and certain bankruptcy events.
Dream Finders Homes (DFH) notice reports a proposed sale of 100,000 Common Class A shares through Charles Schwab & Co., Inc. on 09/04/2025 with an aggregate market value of $2,901,000 and total shares outstanding listed as 35,155,531. The shares were acquired on 12/30/2014 in a private pre-IPO purchase from Dream Finders Holdings LLC, and the original payment was cash. The filing also discloses multiple sales by a related trustee in July 2025 totaling 303,076 Common Class A shares for gross proceeds reported across several trades. The filer certifies no undisclosed material adverse information and acknowledges legal penalties for misstatement.
Dream Finders Homes, Inc. disclosed a material financing event: the company arranged an offering of debt securities due 2030 (the "2030 Notes") that will be sold in a transaction exempt from registration under the Securities Act. The Initial Purchasers intend to resell the 2030 Notes to qualified institutional buyers under Rule 144A and to non-U.S. persons under Regulation S. The filing states the 2030 Notes are not registered under U.S. or state securities laws and cannot be offered or sold in the United States absent registration or an applicable exemption. The Purchase Agreement is filed as Exhibit 10.1 and a pricing press release is filed as Exhibit 99.1.
Dream Finders Homes, Inc. disclosed that it intends to offer, subject to market and other conditions, up to $300 million aggregate principal amount of unsecured senior notes due 2030 in a private placement. The notes, referred to as the 2030 Notes, are expected to be offered to eligible investors under Rule 144A and Regulation S under the Securities Act of 1933.
The company emphasized that the 2030 Notes have not been, and will not be, registered under the Securities Act or state securities laws, meaning they can only be offered or sold under an applicable exemption from registration. The announcement was made through a press release, which is included as an exhibit.
Patrick O. Zalupski, President, CEO and 10% owner of Dream Finders Homes, Inc. (DFH) reported sales of Class A common stock on 08/26/2025 (5,686 shares at a weighted average price of $28.74; prices ranged $28.48–$29.11) and on 08/27/2025 (5,259 shares at a weighted average price of $28.09; prices ranged $27.88–$28.71). After those sales, he directly owned 1,946,898 shares of Class A common stock (including 6,141 shares in a 401(k)). He holds 56,320,586 shares of Class B common stock directly and additional indirect holdings of 809,409 and 596,158 shares through a trust and POZ Holdings, Inc., respectively. Mr. Zalupski disclosed prepaid variable forward sale contracts entered into in 2024 and 2025 that pledge an aggregate of 3,000,000 Class B shares to secure obligations, while he retains dividend and voting rights. The contracts define settlement windows between 2027 and 2029 with specified floor and cap prices that determine the number of shares or cash delivery.
Dream Finders Homes, Inc. entered into a Seventh Amendment to its senior unsecured revolving credit facility, increasing aggregate lender commitments to $1.475 billion, subject to a borrowing base. The amendment extends the maturity date to August 21, 2028 for lenders representing $1.240 billion of those commitments. It also raises the minimum tangible net worth covenant’s base component from $739 million to $981 million, tightening the company’s required equity cushion under the facility.