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Meet The American Dream Lending Team

The American Dream Lending Team is a veteran-led mortgage team offering a broad range of financing solutions to fit a wide variety of borrower situations. With deep product knowledge and a service-first mindset, they guide first-time buyers, seasoned homeowners, self-employed clients, and working families through the mortgage process with clarity and confidence. From application to closing, clients receive honest guidance, education, and a trusted partner focused on aligning the right loan strategy with their long-term goals.

Marc Arrington

Loan Officer

Samantha Williams

Loan Officer

Start Smart

Share a quick snapshot of your budget and goals, and your loan advisor will set clear process expectations.

Get Pre-Approved

Apply online, upload documents, and start review for a pre-approval letter to strengthen offers.

Finish Strong

Once your offer is accepted, we streamline underwriting to closing, then you sign and get your keys.

Conventional Loans

A conventional loan is a type of mortgage loan that is not insured by the government but is backed by private lenders like RWM Home Loans. Conventional loans can offer excellent advantages for those who qualify and offer financing for property types that are commonly restricted by other loan types.

Get More Information

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VA Home Loans

VA home loans offer veterans, active-duty service members, and eligible spouses unbeatable benefits like no down payment, no private mortgage insurance, and competitive rates. Perfect for first-time buyers or refinancing, they make homeownership more accessible without the usual hurdles.

Learn About VA Loans

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FHA Home Loans

An FHA loan provides a government-insured loan with flexible loan options. Less strict credit requirements and qualifications make this loan the easiest loan for buying a home or refinancing. Save money with lower interest rates on FHA loans. We are here to help you with your planning and pre-approval process.

Learn About FHA Loans

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USDA Home Loans

The United States Department of Agriculture (USDA) loan program is designed to provide low-to-moderate-income families the opportunity to purchase a home in rural and suburban communities. USDA loans make buying a home more accessible by providing 100% financing—meaning no down payment is required.

Learn About USDA Loans

Down Payment Assistance

Buying a home can feel overwhelming, especially when it comes to the upfront costs. The good news is that there may be down payment assistance programs designed to help, and many people do not even realize they qualify. Taking a moment to explore your options could make a big difference in how soon you are able to buy. See what help is available and take a simple step toward homeownership.

Find Assistance

Expanded Solutions (Non-QM)

Non-QM loans are various home loans designed to break free from the rules of traditional mortgages, offering a flexible path to homeownership for borrowers with unique financial circumstances. Whether you’re self-employed, have non-traditional income, or need a more tailored approach, these solutions open the door to possibilities that standard loans might overlook—making your dream home more attainable.

Explore Non-QM Options

Buy Before You Sell

Take the stress out of selling your current home before buying your next one with our Buy Before You Sell Program! This innovative solution allows you to secure your dream home first, giving you the flexibility and confidence to sell your current home on your timeline.

Learn More

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Investment Loan

Ready to grow your real estate portfolio? Our Investment Property Loan options make it easier to finance your next rental or income property with competitive rates and flexible terms. Discover how you can start building wealth through real estate today.

Explore Investment Property Loans

Reverse Mortgage

Reverse mortgages can help homeowners age 62 and older tap into their home equity to boost cash flow in retirement without taking on a new monthly mortgage payment. If you’re curious whether a reverse mortgage might be a good fit for your goals, this page breaks down how they work, who they’re designed for, and the key pros and cons in plain language.

Learn About Reverse Mortgages

First-Time Homebuyers

If you’re a first-time homebuyer, connect with an American Dream Team member to get pre-approved and shop for your next home with confidence.

Get Started

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Get Your Pre-Approval Letter

Wondering how much home you can afford? Getting pre-approved for your next home loan gives you a clear picture of your buying power before you start shopping. It helps you set realistic expectations, target the right price range, and make stronger offers when you find the home you love. Pre-approval also gives you an advantage in competitive markets, showing sellers that you’re a serious and prepared buyer.

Start Your Pre-Approval Now

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Mortgage Financing Solutions

We offer a wide range of home loan options so you can find something that feels like the right fit. Whether you are buying or refinancing, we can walk you through conventional, jumbo, government-insured, and specialty programs and discuss what may work for your needs.

View Loan Options

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Whether you’re protecting our communities, educating future generations, serving in the military, or saving lives on the front lines and in hospitals, you’re a hero and we want to give back by making homeownership more affordable. This program is for the everyday heroes who serve and uplift our communities. As a thank-you, we’re helping make homeownership more affordable for those who make a difference.

See if You Qualify

Free Mortgage Calculator

Calculate your estimated monthly mortgage payment.

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Frequently Asked Mortgage Questions

What is a mortgage pre-approval and why is it important?

A mortgage pre-approval is a lender’s written evaluation of a borrower’s financial information, including credit, income, and assets, to determine a potential loan amount, subject to full underwriting and final approval. It gives homebuyers a more accurate understanding of their purchasing power and signals to sellers that the buyer has completed an initial lender review. While not a guarantee of financing, a pre-approval can strengthen an offer in competitive markets.

What are closing costs, and how much should I expect to pay?

Closing costs are the fees and expenses required to complete a mortgage transaction, including items like lender fees, title services, escrow accounts, and third-party charges. The total amount varies based on loan type, location, and transaction details, but borrowers typically receive a Loan Estimate early in the process that outlines expected costs. Reviewing this document helps ensure transparency and allows you to plan ahead.

How much money do I need for a down payment?

Down payment requirements vary depending on the loan program, borrower qualifications, and property type. Some programs, such as VA loans or certain first-time buyer options, may allow for low or no down payment, while others require a percentage of the purchase price. Contact us today so we can help you explore options based on your goals and eligibility.

How do I securely provide my documents?

We use a secure, encrypted online portal to collect and store borrower documents in compliance with federal and state privacy laws. Our system is designed to protect sensitive personal and financial information throughout the loan process. Avoid sending documents through unsecured email or text unless specifically instructed to do so through a protected system.

Why do I need to provide everything upfront?

Providing complete documentation upfront helps us accurately evaluate your loan application and reduce delays later in the process. Mortgage guidelines require lenders to verify income, assets, and other information to ensure compliance and loan eligibility. Submitting documents early often leads to a smoother, more efficient path to closing.