• Fantastic Rates

  • No Down Payment Programs

  • Investor Programs

  • Fast Closings

  • Highly Responsive Communication

  • Over 25,000 clients served

  • 30+ Years of Service & 100+ Years Experience

CALL US AT (813) 655-4663

or Fill out the form below to have us call you!

I would like help with:

Purchasing a HomeRefinancingCash OutReverse Mortgage LoanHard Equity LoanJumbo/Non-Conforming ProductsBank Statement ProgramOther



At American Dream Home Mortgage, we pride ourselves in helping people find the best solution for their individual financing needs. We take the time to get to know our clients while working quickly to get them the results they want. We opened our business in 2006 and have over 30 years’ experience in the industry. We understand the importance of providing the best possible terms while meeting your closing deadline.
The reason we established American Dream Home Mortgage is because we want to see people’s dreams of homeownership become a reality. The reason we’ve stayed in business is because we care about our customers and we ensure that they understand the loan process from beginning to end. American Dream Home Mortgage looks forward to assisting you with your homebuying or refinancing needs.


Proud recipients of the finalist award for the 2010 Small Business of the Year Award sponsored by the Greater Brandon Chamber of Commerce.

Home Mortgage Commercial Property loans
Home Mortgage FHA 203k Streamline Rehab Program
Home Mortgage HARP Refinancing Loans
Home Mortgage USDA Loans
Home Mortgage VA loan
Home Mortgage FHA loan

Customers Served

More Than
In closed loans

More Than
100 Years
of combined experience


American Dream Home Mortgage FHA 203k Streamline Rehab Program

Teresa Fink

Owner and Senior Mortgage Loan Originator
NMLS# 327751

Teresa Fink has been a resident and active business professional in the Tampa Bay community since 1987. Teresa began her career in the mortgage industry as a mortgage processor and became a licensed mortgage broker in 1990. As one of the communities top-producing loan originators, she decided to partner with her husband, Mike, in opening their own company in 2006. It was Teresa’s dream to help prospective home buyers to assist them...

American Dream Home Mortgage Home Equity Lines And Loans

Mike Fink

Co-owner and Administrative Manager

Mike is a native of Ohio and has been a resident of the Tampa Bay Area for over 20 yrs. Mike is a veteran of the United States Air Force.

American Dream Home Mortgage Hard money & Private Funding Loans

Paul Pritt

Mortgage Loan Originator
NMLS# 336840

Paul began his career in the mortgage industry in the Tampa Bay area in 1993, which means he brings a wealth of knowledge to the table. He received both a degree in history and in finance from the University of South Florida, and has previously been licensed as a realtor, a general contractor and held a securities license. This background allows Paul to speak to clients with knowledge and help them obtain...

Sergio Matos

Hablo Español
Mortgage Loan Originator
NMLS # 756425

Sergio Matos graduated from the University of South Florida majoring in Finance and Economics. He has been in the lending industry for 23 years. He has also held licenses in the securities and the insurance industry.  He is also a Certified Mortgage Planning Specialist and has been assisting clients with their mortgages for over 15 years.  What this means is that he has the knowledge to help guide his clients to find...

American Dream Home Mortgage Construction Permanent Loans

JoAnne Patton

Senior Mortgage Loan Processor & Loan Originator
NMLS# 342684

Now in her 25th year in the industry, JoAnne has the experience you can trust. From loan origination and processing every kind of residential loan imaginable to managing her own branch office, there are very few challenges that she can’t overcome. With extensive knowledge of the underwriting process, JoAnne will guide you every step of the way through to closing. Communication is key and you will know you are in good hands...

Alicia Fink

Loan Processor 

Alicia Stemple is a returning employee with over 10 years experience in customer service. She was born and raised in Brandon Florida and graduated from Hillsborough Community College in 2012 with an Associates Degree. For the past 6 years Alicia has been fostering children and has a genuine heart of compassion for people. In her spare time she enjoys reading and scrapbooking. Alicia looks forward to assisting you! Fax: 800-587-7731


I had an amazing experience with Teresa and Amber. They have an incredible work ethic and they worked around the clock to get everything finalized properly and expeditiously. They were available after hours and on the weekends and any time needed. I truly appreciated the fact that they kept me informed at each step of the process. That is extremely important, not just for a first time home buyer like me, who might be a bit nervous, but for anyone. It can actually help streamline the approval process if the buyer is informed of all issues. And to use my own example, the underwriter had an issue with a pending litigation the condo association was involved in. Because the management of the building recently underwent changes, they were not knowledgeable enough to provide needed court documents for the underwriter’s review. Teresa told me about the problem, and because I am an attorney I was able to locate the documents the underwriter needed in 5 minutes. Had Teresa not kept me informed, I might not have been able to close on time.Also, the title company chosen by the sellers was not very helpful or professional. They did not communicate with me about essential things, like the final closing disclosure. Without Teresa’s help and her willingness to go the extra step to make sure everything goes well, my closing experience would have been a nerve-wracking one. So do yourself a favor and choose them if you need mortgage to buy a home.
Mihaela CM
Mihaela CM
17:27 16 Sep 18
Teresa and her team are great! They take care of all the work and answer ANY questions you have in an extremely timely manner.
Jessica Pantojas
Jessica Pantojas
23:01 11 Apr 18
Over the years we have been able to rely on American Dream Home Mortgage to be a guaranteed place our customers can get quality service. The team there is professional, effective, ethical, and supports the community in a multitude of ways.Thank you American Dream Home Mortgage for helping so many of our clients realize their American dream of home ownership.
Delta Credit Restoration
Delta Credit Restoration
13:18 06 Nov 14
My experience as a first time home buyer with Teresa and Mike was stellar! I decided to go with a short sale and ADHM was great at keeping me informed and advising me during the entire process. After I closed on the house and their work was done, Teresa went above and beyond, helping clear up an error caused by the title company. I would definitely recommend them.
Brian Smith
Brian Smith
00:34 17 Feb 13
I highly recommend this mortgage company. I have been doing business with them for 20+ years! They offer superior service, and truly care about their customers. Teresa Fink and Amber Fink are both exceptional. I have also had wonderful interactions with Joanne!!!
Joseph Boyle
Joseph Boyle
17:19 29 Oct 18
Great, friendly team who worked hard to ensure I was taken care of!
Sara Kniffin
Sara Kniffin
20:08 29 Oct 18
Teresa Fink got us a mortgage approval while she was on her vacation!! She and her team are readily available, always dependable, and extremely professional and informative. The approval and closing went very smooth. Looking for a home? Call American Dream - you will never regret it!
Dave Ureña
Dave Ureña
21:39 03 Dec 18
We were very impressed with this company. Teresa is diligent and hard working. She is very knowledgeable and BY FAR the best lender we've worked with. I highly recommend!
Laurel Urena
Laurel Urena
21:25 03 Dec 18
Best mortgage company on the planet!Teresa and Amber are dedicated professionals that worked incredibly fast to secure my home loan. Teresa made an extra effort by working on the weekends as well. American Dream Home Mortgage is clearly the best mortgage company in Tampa Bay!
Tim Otero
Tim Otero
08:25 23 Feb 20

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