Mortgage Lending Made Simple

Buy or refinance with confidence. We help homeowners secure first and second mortgages with flexible Non-QM options, plus investment financing nationwide.

What's your situation?

Self-employed

Bank statements and flexible income solutions

Investor

DSCR and investor-focused financing

Employed with W2

FHA, VA, Conventional, and Jumbo programs

Higher approval odds. Faster clarity.

Mortgage Options Designed Around Your Situation

Every borrower is different. We focus on the loan that fits your income, goals, and timeline, not just the loan that’s easiest to sell.

Conventional & Jumbo options
Refinance & Cash-Out
Second Mortgage Solutions
Non-QM (Bank Statement, DSCR, Flexible Guidelines)
Investment Loan Programs

Get Matched With the Right Loan

Built to Get You Approved

Approval-First Strategy

We match your profile to the right program from the start, so you're not wasting time on the wrong loan path.

Fast Pre-Qualification

Get clarity early through a simple process that keeps things moving, without the usual paperwork delays.

Flexible Loan Options

Traditional, Non-QM, refinance, cash-out, second mortgage, and investor-friendly loan programs that fit.

Nationwide Support

We help borrowers across the U.S. with loan options and guidance that remain steady from start to close.

Let’s Find Your Best Loan Path

Match Me With the Right Loan

Answer a few questions and we’ll recommend the best option for your goals, purchase, refinance, cash-out, or investing.

Start Loan Match

Takes 2 minutes

Quick and easy

Get a Mortgage Strategy Call

We’ll map out your best route to approval and closing, step by step; so you know exactly what to do next, what to expect, and how to avoid surprises.

Call (786) 833-9146

Personalized guidance

Fewer surprises

What Homebuyers Say
About Working With Us

We’re grateful for the trust our clients place in us, and proud to help make their home financing goals real.

Yves is an amazing lender. I am a Realtor and needed quick financing for my buyer and Yves got the deal together ASAP and closed in 10 days. I definitely recommend him for any smooth or difficult deal. Thanks Yves it was a pleasure working with you.

Marty Rodriguez

Yves and his team made this process extremely easy and simple. Best of all it was stress free experience. " Don't worry I got you" and Yves and his team did just that!

Silvio Obando

An absolute pleasure to work with. Was very patient throughout the process and made sure to keep up updated every step of the way. Getting us a clear to close is another goal we have accomplished and can cross off our list thanks to Yves' help along with his team. Thank you and will make sure to recommend you to our family and friends!

Claudia Finales

Yves really came through for me and my family. Every question I had he answered it and he pulled a lot of strings to make sure we closed on the day they said we would. They are the best.

Javata Murray

Yves Cham makes the process of refinancing simple to understand and quick to get through. I am very pleased with the service he provided and highly recommend him.

Robert DiRico

Dream lending was extremely helpful to me and my family helped us out and even went out of their way to make our refinancing go smoothly I would recommend to any one keep up the good work.

Yader Rivera

Why Us?

How Adream Lending compares with other brokers and banks
Feature	Adream Lending	Other Brokers	Banks
Personalized loan match for your situation	Yes	No	No
Approval-focused strategy from day one	Yes	No	No
Self-employed friendly guidance	Yes	No	No
Clear next steps after first contact	Yes	No	No
Fast pre-qualification process	Yes	No	No
Proactive updates and communication	Yes	No	No
Transparent timeline and fee expectations	Yes	No	No

Fast processWe move quickly so you can too.
Personalized serviceStrategies built around your unique goals.
Transparent & honestClear communication. No surprises.
Focused on youYour goals. Your timeline. Our priority.

Built for Approval,
Not Guesswork

Share a few details, and we will outline the best route to approval and closing, with clear next steps.

Start Pre-Qualification

No impact on your credit score

No commitment

At Adream Lending, we specialize in owner-occupied financing throughout Florida, including first- and second-mortgage options with flexible non-QM terms. Nationwide, we offer tailored non-QM investment loans, purchase financing, cash-out refinancing, and more, helping you access the funds you need, when you need them most.

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