We respect and protect the privacy of those who have endorsed Nightingale Benefits, which is why we have not disclosed their full names. The testimonials below are from Colorado medical professionals who have benefitted from this program. If you would like to speak with any of them about their experiences, we can arrange it.

Vernadine B.

Nancy was very personable and provided expertise to help us along our journey of house buying. Her frankness really made the process easy. Thank you Nancy!

Vernadine B., St Joes/ Dignity

Jasmine R.

Tim and his team were wonderful and made purchasing a home possible when I didn’t think it was. My fiancée and I had tried to go through a different company before and they told us we would not qualify. When I spoke with Tim initially it was only to find out more information about the Nightingale benefits but after one phone call Tim was convinced that he would be able to get us a loan. He knew exactly what to do to help us qualify and made the process simple and quick and he was sure to always answer any questions we had along the way. I highly recommend working with them if you are looking to buy a home!

Penny J.

Nancy Allen was fantastic. We had a very difficult purchase and refinance situation and she continued to power through and make it happen. Nancy was in constant contact with us, letting us know the status of the Loan and helping with paperwork where she could. Nancy gave us first-class service and I highly recommend her services for any home financing needs! -Penny J., Mayo Clinic Phoenix

Joshua M.

“My wife and I built our dream home, and Tim made this dream a reality. Tim made the entire process seamless and effortless. His passion for helping others that are involved in the healthcare industry is truly flattering, and he humbly and selflessly wants to give back to others. This passion is evident through the lengths that he will go to for his clients. We highly recommend Tim and his team to everyone interested in buying or refinancing!!! We truly can not recommend him enough!!!!!”

Mollie M.

I had the pleasure of working with Tim on the refinance of my house. Tim was referred to me through a good friend, who is also my realtor, Milissa Duckworth. Tim has a great appreciation for healthcare workers, most specifically RN’s, from his own personal experience as a patient himself at the very place of my employment, Swedish Medical Center. Thus the development of his program benefitting healthcare workers, Nightingale Benefits.

As a pretty clueless person on how this process works, as well as being a fairly difficult person to get a hold of, Tim was very patient and understanding through the whole process, and I could tell from our first visit that he had my best interest in mind.

Not only did my closing go smoother than I could’ve ever imagined he was an amazing resource for other issues that came up outside of my refinance.

I highly recommend Tim, and his team for any mortgage need!

Brent & Hannah R.

My wife and I are both nurses and recently purchased our very first home in Colorado Springs with Nightingale Benefits through American Dream Mortgage. My wife found out about the benefits on LinkedIn and ended up talking with Tim about his story and why he created Nightingale Benefits for hospital workers. We were moving to Colorado Springs from Denver and we needed a good realtor. Tim put us in touch with two of his best realtors. We thought it was going to be stressful buying your first home. However, Nightingale Benefits and American Dream Mortgage made our experience so easy it was actually fun! Everything from the offer, the appraisal, and the closing went smoothly. My wife and I felt like we were their only clients. I got the sense that they wanted us to get the best deal and that everyone was on our side. Our house appraised for more than we offered, and Nightingale Benefits covered all of our closing costs. If you work in the medical field and do not use these benefits, you are missing out. We will not hesitate to refer them or use them again in the future!

Laura & Alexe M

Tim was always available to answer all of our questions. He always answered his phone, and was very prompt with any and all of our needs. It was clear that he truly wanted what was best for us. He helped teach us through the process of applying and getting the loan we needed.  We are very grateful for his hard work.

Maurice H.

I am employed at Medical Center of Aurora. My wife and I recently used the Nightingale Benefits Program to purchase our home. Tim and his team were with us every step of the way.

Buying a home is not something you do every day, so there’s a degree of uncertainty as you move forward. The Nightingale Team was always there to help. End result was we got the perfect home for the entire family.

I recommend Nightingale Benefits to all Medical Professionals. Great results with huge savings.

Maurice H.

Carrie & Josh W.

We would like to thank Liquid Descent and American Dream Mortgage through the Nightingale program for our rafting trip. It was amazing to win this trip, and we had the absolute best time!!! Our guide was extremely knowledgeable, kept us safe, and kept us entertained. I can’t wait to schedule our next rafting trip! Thank you again for granting us the opportunity to enjoy this trip, it truly was a pleasure!!!

Rebecca W.

Tim is a trusted ally throughout the home financing process. He is always helpful and answers questions directly and honestly with years of experience in the business. I appreciate Tim’s availability and reliability, his no nonsense approach, and his friendly demeanor. I always felt Tim was advocating for me and appreciate his attention to detail in the very complex environment of home financing.

Senior Director, Anthem Blue Cross

Dr. E.S. from UC Health

I would recommend this program to anyone in the medical profession. They literally saved me thousands.


Nightingale Benefits is a class act. They saved me thousands on my home closing. They were under a tight deadline to get my home closed and they were able to make it happen. I highly recommend them!


I want to thank Tim and his team.  I worked with his colleagues Shannon and Jim as well. They helped out greatly with buying our first home. I was in direct contact with Tim almost daily during this process either on the phone and/or email.  I always felt that I was his only client. Tim and his team that help us get our first house are extremely educated and experienced in the process. They were not only helping us get our house/mortgage, they truly taught us tons of information about buying homes and what to look for.  My wife and I are nurses in the city and because of that we qualified for their “nightingale program.”  That is a program that assists nurses getting into there new home by not only helping them through the process but covering the closing costs! It was a huge help! I would recommend Tim and his team to anyone looking for a house especially nurses! Thanks.



I want to thank you for handling the recent refinance of our mortgage. As I mention, I received letter from my mortgage company showing me how much my monthly payment would change if I refinanced. After I considered the idea, I turned to you because of the wonderful service you have provided in the past. In fact, I wasn’t about to consider any other company or bank. You then did a fantastic job handling the refinance. I was stunned at how simple, quick and painless refinancing has become. The experience culminated with a closer name Shawna who came right to our house and presented the paper work for us to sign. I was very impressed with how organized and focused Shawna was considering all of the distractions our house had to offer.

In short, you provide the best refinancing and mortgage banking services available. I will continue to refer you to friends, family and strangers. You provided the best rates and the best experience out there of any lender available. Feel free to use me as a reference. Its not often that I get to vouch 100% for a service or product. But you and your company get my blessing. Keep up the great work!


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