Yves Cham

Your Mortgage Banker for Life


   Yves Cham is a full-service mortgage banker powered by American Residential Lending, specializing in residential and commercial loans. He offers a wide range of loan product solutions, including fixed and adjustable rate mortgages, FHA loans, VA loans, jumbo loans, hard money, sub prime and renovation financing. He knows that each client has unique financial needs that require a unique product solution. That’s why he works very closely with every client to ensure a smooth financial process.  If you want someone that knows how to get you from the application to the closing table quickly and hassle-free, Yves Cham is your partner for financial success.  

Mortgage Banking at it's Finest

100% Financing Homeownership

Z.E.R.O. Home Loan


  • FHA 30 Year Fixed
  • Conventional 30 Year Fixed
  • Credit Scores as Low as 640

Learn More

Banks Say No, We Say Yes!

We offer Residential Financing with No Lender Overlays, meaning we do not have ANY Additional Requirements or Guidelines on top of what FHA, VA, Fannie Mae or Freddie Mac require like Banks the other Lenders.

  • FHA 3.5% DOWN with Only a 580 Credit Score
  • Conventional 3% DOWN with Only a 620 Credit Score
  • 100% VA Financing
  • Cash Out & Debt Consolidation Refinances with Only a 500 Credit Score

Up to a 1% Lender Credit with FHA, VA, or Conventional Financing Available

Get Up to a 1% Lender Credit at Closing to be used towards your closing costs when Purchasing a Home. That's Up to $5,000.00 for YOUR Closing Costs


Efficient and Professional!!

 What a painless experience working with Yves! He took care of everything we needed from start to finish. I found a mortgage lender for life! I highly recommend his services!!!! 

-Zillow 5 Star Review

Extremely helpful and knowledgeable

 Mr. Cham is the consummate professional in every aspect of mortgages and lending. He performed his duties above and beyond my expectations. I would recommend Mr. Cham without reservation .

-Zillow 5 Star Review

Gets it DONE!

 Yves is very easy to work with. I must admit at first I was a bit nervous, Yves explained everything in detail and my did have questions to ask. He made this a painless and comfortable buying experience. 

-Zillow 5 Star Review

Superstar Lender!

   Yves was amazing and very helpful. He was able to assist me through all the ups and downs; not to mention, that he was always just a phone call away. I highly recommend Yves!  -Zillow 5 Star Review    

He got me approved...everyone else said it couldn't be done.

 Not only did he get me the mortgage but he did it in 3 weeks, we closed 2 weeks early. Yves was very professional and quick with the process. I felt that we had control of the process the entire time. He did everything he said and there were no surprises. I would highly recommend Yves to everyone. 

-Zillow 5 Star Review

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Excellent Customer Service

 It has been a pleasure dealing with Yves and any question I have had he has provided answers for me. Always returns phone calls/texts and is extremely helpful. 

-Zillow 5 Star Lender

Get Approved Now!

We Take Calls 7 Days a Week!

Toll Free (844) 706-6333

Yves Cham NMLS # 1596417

Licensed in Florida   

Florida Office of Financial Regulation License #MLD1276


Sr. Mortgage Banker 

Direct: (786) 802-1727

Cell:     (305) 992-5218

Fax:     (786) 930-4818