Terms of Use

American Dream Mortgage loan officers, through the Nightingale Advantage Program, offers 1% of your loan amount towards closing costs. Loan amount varies and is often not equal to the purchase price.

Example: $450,000 purchase price with 5% down and actual loan amount of $427,500. Your potential savings with the Nightingale Advantage Program would equal $4,275.

Actual amounts may vary depending on loan amount, rate, program chosen, credit and income. Lender credit does not apply on brokered or bond loans. Credit may also be used to buy down interest rate.

This is not a commitment to lend. Prices and guidelines are subject to change without notice. Some products may not be available in all states.

  Loan Amount Lender Credit    
  $190,000 $1900    
  $285,000 $2850    
  $380,000 $3800    


Current eligible states:

Operating as American Dream Mortgage in CO, AZ, and CA

Operating as Finance of America Mortgage in NM, TX, SC, PN, MN, FL, GA, IL, OR, AZ, MI, TN, and NV


This is not a commitment to lend. Prices, guidelines and minimum requirements are subject to change without notice. Some products may not be available in all states. Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision.

Please refer to the Nightingale Advantage Program when speaking to your American Dream Mortgage loan advisor at the time of your loan application. Only applicable for loans that close by 12/31/2025. Lender credit amount up to $7,500 and cannot exceed actual closing costs. Escrow and pre-paids excluded. May not be available on all loan products and transaction types. Ask American Dream Mortgage for additional information.

©2021 American Dream Mortgage (6501 E Belleview Avenue #410, Englewood, CO 80111), a division of Finance of America Mortgage LLC,  licensed nationwide NMLS ID #1071 (www.nmlsconsumeraccess.org), 300 Welsh Road, Building 5, Horsham, PA 19044. (800) 355-5626 | AZ Mortgage Banker License #0910184 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act | Georgia Residential Mortgage Licensee #15499 | Kansas Licensed Mortgage Company | Licensed by the N.J. Department of Banking and Insurance | Licensed Mortgage Banker — NYS Banking Department | Rhode Island Licensed Lender | Massachusetts Lender/Broker License MC1071.

Nightingale Advantage wants to help you save as much money as possible on your next mortgage. Let’s chat.

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