Mortgage Financing for Homeowners & Investors
American Dream Lending LLC provides residential and commercial mortgage services across Florida and nationwide, including purchase loans, refinancing, and non-QM programs tailored to each borrower's situation.
Loan Programs We Offer
Conventional & Jumbo Purchase Loans
Refinance & Cash-Out Refinance
First & Second Mortgages
Non-QM (Bank Statement, DSCR, Flexible Guidelines)
Investment Property Financing
Owner-Occupied Financing (Florida)
Mortgage Services
We assist borrowers with a range of residential and investment mortgage programs based on their financial profile and goals.
Purchase Loans
Financing for primary residences, second homes, and investment properties. Conventional, jumbo, and non-QM options available.
Refinance
Rate-and-term refinance and cash-out refinance options for existing homeowners looking to adjust their current loan terms.
Non-QM Programs
Bank statement loans, DSCR loans, and flexible underwriting guidelines for self-employed borrowers and investors.
Second Mortgages
Second mortgage solutions for qualified borrowers seeking additional financing against existing property equity.
Florida Specialist
Owner-occupied financing throughout the state of Florida, with in-depth knowledge of local market conditions and requirements.
Nationwide Lending
Investment loan programs and non-QM financing available for borrowers across the United States.
What Clients Say
"Yves and his team made this process extremely easy and simple. Best of all it was a stress free experience."
"Yves is an amazing lender. I needed quick financing for my buyer and Yves got the deal together and closed in 10 days."
"Yves Cham makes the process of refinancing simple to understand and quick to get through. Very pleased with the service."
Our Approach
We focus on understanding each borrower's situation before recommending a loan program.
Program Matching
We review each borrower's income, credit profile, and goals to identify loan programs that align with their specific situation.
Pre-Qualification Process
Our pre-qualification process gives borrowers a clear picture of their options before committing to an application.
Flexible Underwriting
We work with lenders that offer non-QM guidelines, allowing us to assist borrowers who don't fit traditional qualification criteria.
Transparent Communication
Clients are kept informed at every stage of the process, from application to closing, with clear timelines and expectations.
Ready to Discuss Your Mortgage Options?
Schedule a consultation with a licensed mortgage specialist to review your situation.
Schedule a Consultation