American Dream Residential

Business Description

Purchase and Refinance for residential mortgages. We give you the wholesale rate. We don't falsely advertise rates we can't do. We will give you the wholesale (no-mark-ups) rate sheet of our best lender. We do business with about 15 lenders. Rates between these lenders vary by up to 1/2 percent on a 30 year mortgage on given day. That equals $7,500 in savings in your first five years on a $300,000 mortgage. That's why you need a broker to shop the rates for you. We are the lowest rate/fee broker. Period.

Frequently Asked Questions

General Questions

Do you have a customer satisfaction or refund policy?

Home Equity Loan

What bank(s) do you represent?
How long does the approval process take?
Do you service customers with credit problems?

Mortgages - Refinance

What bank(s) are you associated with?
Are you able to service customers with credit problems?
What is the turnaround time for the loan application?
Why should I choose you for my refinance needs?

Mortgages - Purchase

What bank(s) are you associated with?
Are you able to service customers with credit problems?
What is the turnaround time for the loan application?
Why should I choose you for my mortgage needs?

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• Do you have a customer satisfaction or refund policy?
  Refund policy is that no one beats us on rates and fees. We charge everyone the same low price so there is no negotiating. It makes it easier for you to know you are getting the same deal we give to family members.
• What bank(s) do you represent?
  About 14 banks. 20 years of experience with these banks. Many of whom we've worked for in the past.
• How long does the approval process take?
  30 minutes from application to approval. Then it's up to you when you get the documentation necessary to close. 7 days was the fastest.
• Do you service customers with credit problems?
  Yes. Same charge. We don't drill you because you have bad credit.
• What bank(s) are you associated with?
  About 14 banks. 20 years of experience with these banks. Many of whom we've worked for in the past.
• Are you able to service customers with credit problems?
  Yes.
• What is the turnaround time for the loan application?
  30 minutes - including underwriting approval.
• Why should I choose you for my refinance needs?
  We are the lowest rate. We don't advertise fake rates. We don't charge yield spread premiums unless you ask us to. Pretty simple. Truth in lending.
• What bank(s) are you associated with?
  About 14 banks. 20 years of experience with these banks. Many of whom we've worked for in the past.
• Are you able to service customers with credit problems?
  Yes.
• What is the turnaround time for the loan application?
  30 minutes
• Why should I choose you for my mortgage needs?
  We are the lowest rate and fees .....not just low. The lowest.

Work Samples