Loan Programs for Everybody

In addition to the Nightingale Benefits Program, American Dream Mortgage offers a variety of programs to meet every situation.

Traditional Loans



Fixed Products

Adjustable Rate Mortgages (ARMs)

Jumbo Loans

Reverse Mortgages


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FreddieMac HomeOne

VA Home Loan

FHA Non-Traditional Credit

Non-Traditional Loans

3% Down Conventional

580 FICO for Standard FHA

Down Payment Assistance

Grants for Down Payments

Jumbo Loans (to $5 Million)

No Mortgage Insurance Programs

First Time Home Buyer Programs

Bank Statements Used for Income

ITIN Mortgage Product*

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Extended Rate Lock Program

Doctor/Dentist Program

Student Loan Debt Refinancing

Our parent company, Finance of America is proud to present the first in our new suite of consumer loan products-a Student Loan Refinance. This new product is designed for consumers who want to:

  • Lower the interest rate on their existing loans.
  • Lower their monthly payment.
  • Consolidate their payments to one easy payment a month.
  • Remove a parent or co-signer from their loan.

Would making a single monthly payment on your student loans be easier for you to manage? Give your advisor a call or visit our website to learn more about the numerous ways that we can help. Best of all, our Student Loan Refinances have no origination fees and an end to end online application process. The Finance of America Student Loan Refinance is for loan amounts from $10K to $200K. Today is a great day to help manage your student debt- if you are already working with a mortgage advisor, they’ll be happy to assist you, or head to our education loan services site below.

To learn more, please visit Finance of Terms and Conditions Apply. Finance of America Mortgage may modify or discontinue products at any time without notice. Eligible borrowers must be U.S. citizens or permanent resident. Loan not available in all states. Subject to underwriting terms and conditions. Rates and terms are subject to change at anytime without notice and are subject to state restrictions. Finance of America Mortgage refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE.

Day 1 Certainty™ Assets

Day 1 Certainty™ is a validation service designed to provide customers with improved processes for even faster approvals! If you like saving time, this is the service for you I Day 1 Certainty™ is an asset validation service designed to provide customers with improved processes for even faster approvals!

When you utilize Day 1 Certainty’s asset validation service, you will see:

  • Faster processing times
  • Reduced documentation requirements (e.g. bank statements)
  • Easy, secure validation processes
  • Opportunity to dose loans 5-15 days faster without the validation
  • Applicable to Fannie Mae products only

Conforming Choice Future Income Program

Conforming Choice Plus Future Income Program


The Conforming Plus Future Income program that allows a borrower to close a loan 90 days prior to starting their new job.

Homestyle Renovation

Home Loans for Doctors

*Product not directly offered by American Dream Mortgage. American Dream Mortgage brokers these product(s). See your mortgage advisor for details.