©2026. All Rights Reserved.
Partner with Adream Lending and stop losing deals to financing. When a buyer's loan falls through or doesn't qualify the conventional way, we step in with flexible programs that get to the closing table,
As a Realtor, your commission and your reputation depend on deals that close. When you partner with Adream, you gain a lending team that works as hard as you do to get your buyer to the finish line. Your buyer doesn’t qualify the conventional way? We find the alternative. The deal doesn’t die, it just takes a different route. We handle everything from underwriting to closing and keep you updated the whole way, so you always know where things stand.
As a Realtor, your reputation is built deal by deal. When you recommend a lender to your buyer, you’re putting your name on the line and we understand the weight of that.
Yves Cham brings over 23 years of experience in mortgage financing and a 95% closing rate, built on solving the cases others walk away from. Adream Lending is fully licensed and regulated. Our clients and partners feel the difference from the very first deal. We’ve worked with buyers of all kinds, W-2 employees, 1099 contractors, self-employed borrowers, and clients rebuilding credit and in every case the goal is the same: get to the closing table with everything in order, no last-minute surprises, and no reason for your client to question your referral. We know your time is valuable and that every deal that falls apart has a real cost.
That’s why we move fast, communicate at every step, and do what we say we’re going to do. When you refer a buyer to us, we become an extension of your service and we treat that relationship like it’s our own.
Every buyer is different. Here’s how we handle the scenarios that most lenders can’t.
Great income, bad tax returns. We qualify them using bank statements instead — no matter how their income is structured.
Self-employed borrowers qualify using C bank statements instead of tax returns.
Purchase price exceeds conventional limits. Jumbo financing available for you luxury transactions.
Gives revolving line of credit based on their home’s value. They draw what they need, when they need it, without refinancing their entire mortgage.
Turn the equity they’ve already built into the down payment for what comes next.
Declined by a bank or another lender. Whatever the reason, we find the alternative path and keep the deal alive.
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.