Nightingale Benefits

The Nightingale Benefits helps make homeownership more affordable to Medical Professionals and also First Responders, Police, Fire, and Veterans. Nightingale Benefits is offered exclusively through American Dream Mortgage. This can be combined with Realtor Rebates to cover most, if not all closing costs.*
We are providing this benefit in order to give back to those who give everyday.


You save lives.
We’d love to save you some money.

Nightingale Benefits helps those employed in medical professions when purchasing or refinancing a home. This program is possible by the generous contributions of Realtors® and partnerships with local hospitals, private medical practices and the Colorado, Arizona, South Carolina, Nevada & Texas medical communities.

What we do.

At Nightingale Benefits, our goal is to pay for most, if not all your closing costs.

What are closing costs?

Closing costs are all the various fees incurred when doing a real estate transaction. While most people are aware that they usually need a down payment, many are uneducated as to the extra expenses involved with closing costs. These fees include but are not limited to: appraisal, origination, underwriting, processing, title insurance policy, title closing fee, tax service fee, inspections, recording fees and administration. On top of this you are expected to set up an escrow account for taxes and insurance. Usually 1 year of insurance and anywhere from 3 months to a full year of taxes, depending on the time of year.

On a 400K purchase these fees can add up to between 5 and 7 thousand dollars on average. This is money you need besides the down payment. It is not allowed for us to give money towards the down payment, as that would impact the loan-to-value and change the parameters of the mortgage. Therefore, we attack the closing cost with credits from us and rebates from our participating realtors.

Closing costs ARE NOT being rolled into the loan.

Bottom line is we save you thousands. We put our hearts and our dollars into this.


Why was Nightingale Benefits Created?
The Nightingale Benefits Program originated as a direct result of a recent medical emergency. 
32 years ago, I was rushed to Mercy Hospital with a burst appendix. During the 3 week Hospitalization, I quickly realized how much care Nurses gave to their patients to keep them alive. 

Fast forward to January of 2017. Another medical emergency landed me in the hospital and back into surgery. As I was being rolled into the OR, I kept on thinking that I needed to do something for nurses. Then I realized that I could help with making their dream of home ownership into a reality. 

Within 3 days of getting out of surgery, I present the idea of Nightingale Benefits to American Dream Mortgage. After a couple months of working out the details, Nightingale Benefits became a reality. 

Nightingale Benefits helps nurses by covering most, if not all, of the closing costs when purchasing or refinancing a home. This is in large part made possible by the generous contributions of our Realtor partners.

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