Loan Programs We Offer

At American Dream Mortgage, we offer a wide variety of loan programs. Below is a brief list of our most popular programs to help you make an educated financing decision.

Conventional

Conventional Loans are by far the most popular loan type. Conventional or Conforming loans as they are also known, are ones that meet the terms and conditions set by Freddie Mac and Fannie Mae. These two large corporations are owned by stock holders and the idea behind them is to provide funds for financing homes at a reasonable price for Americans. They do so by purchasing mortgage loans (that follow the terms and conditions of lending institutions) and package these mortgages into securities. From there the securities are bought by investors. The result of this practice is the availability of mortgage credit for Americans.

Government Loan Programs (VA, FHA & USDA)

Government loan programs are designed to help make homeownership possible for people who may not qualify for conventional mortgages.

Jumbo Programs

Jumbo mortgages are mortgages that are used to purchase high end custom homes or homes that are more expensive than traditional homes.  

Homes for Heroes

As a Homes for Heroes affiliate, we offer Discounts for firefighters, emergency medical professionals, military and veterans, law enforcement, teachers and healthcare workers when buying, selling, renting, or refinancing a home.

Down Payment Assistance Programs

With access to the NHF Sapphire Program, we are able to help more families own their own home. 

 

Colorado Down Payment Assistance

With the help of Colorado Housing and Financing Authority, we help borrowers with a lower downpayment get a mortgage.

California Loan Programs

Designed to help low-to-moderate income borrowers with down payment assistance.

Arizona Loan Programs

 

Conforming Plus

Conforming Plus is designed to enhance the standard FAM Conforming and Conforming High Balance Underwriting Guidelines to provide additional loan flexibility. We are now accepting income from the marijuana industry for W2 employees with Conforming Plus, allowing for more people to become homeowners.

 

Reverse Mortgages

 

And many more!