©2026. All Rights Reserved.
Buy or refinance with confidence. We help homeowners secure first and second mortgages with flexible Non-QM options, plus investment financing nationwide.
Bank statements and flexible income solutions
DSCR and investor-focused financing
FHA, VA, Conventional, and Jumbo programs
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.
Get Matched With the Right Loan
We match your profile to the right program from the start, so you’re not wasting time on the wrong loan path.
Get clarity early through a simple process that keeps things moving, without the usual paperwork delays.
Traditional, Non-QM, refinance, cash-out, second mortgage, and investor-friendly loan programs that fit.
We help borrowers across the U.S. with loan options and guidance that remain steady from start to close.
Answer a few questions and we’ll recommend the best option for your goals, purchase, refinance, cash-out, or investing.
Takes 2 minutes
Quick and easy
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.
Personalized guidance
Fewer surprises
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
Share a few details, and we will outline the best route to approval and closing, with clear next steps.
No impact on your credit score
No commitment
At American Dream 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.
©2026. All Rights Reserved.