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Whether your client is trying to avoid bankruptcy or rebuilding after it. Adream Lending offers financing solutions when traditional banks say no. If they still have equity in their property, we may help them pay off their debts without filing. If they've already gone through the process, we can refinance as soon as one day after discharge, years before any traditional bank will consider them.
Your clients come to you at one of the most difficult moments of their financial lives. Some are still in the middle of it others are ready to rebuild. In both cases, the pressure is real and the options feel impossibly limited.
When a client still has equity in their property, bankruptcy may not be their only option. A cash-out refinance can give them the liquidity to pay off debts, protect their credit, and avoid filing altogether. We look at that possibility first.
For clients who have already gone through the process, we don’t close the door the way traditional lenders do. We look at where they are today, their current income, their stability, their goals not just what their credit report says. Your client already did the hardest part. They faced the problem and resolved it. We are the next step.
As a bankruptcy attorney, your reputation is built on outcomes. When you refer a client who is already in one of the most vulnerable financial positions of their life, that recommendation carries real weight and we don’t take that lightly.
Yves Cham brings over 23 years of experience in mortgage financing including access to portfolio lenders and private capital that operate outside the conventional lending system. That’s what allows us to do what banks can’t: refinance a client one day after discharge, structure purchase financing while a bankruptcy is still active, and access equity for clients who need to pay off debt before they ever file. Most lenders wait years. We don’t.
Adream Lending is fully licensed and regulated, with a 95% closing rate built on solving the cases others walk away from. Our clients and partners feel the difference from the very first interaction and that shows in every single review. When you refer a client to Adream, we become an extension of your work handling the financing piece so your client can fully close this chapter and open the next one.
A bankruptcy doesn’t define your client’s financial future. Here’s how we help them move forward.
They have equity in their property. A cash-out refinance can pay off their debts before they ever need to file.
Payments are tight. We explore options to refinance and lower their monthly obligations within the court's boundaries.
Traditional banks make clients wait 2 to 4 years. We offer refinancing options available as soon as one day after discharge so your client doesn't have to put their life on hold.
They honored their plan for years. They deserve a second chance and we can give them one before any bank will.
No W-2, no problem. We qualify them using bank statements instead of tax returns.
Most lenders won't touch this. We work with portfolio products that allow qualified clients to purchase a home even while their bankruptcy case is still active.
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.