Where other lenders stop, we keep working.
America's Mortgage Solutions specializes in the complex residential, commercial, investor, and specialty loans that many banks can't structure. Self-employed, investor, business owner, or buying something out of the ordinary? We shop a broad network of lenders to find a clear path forward across Florida, Georgia, Michigan, and Colorado.
Choose your path
Not sure where to start? Pick the situation that fits best.
Christian Penner grew up in North Palm Beach and has been walking first-time buyers to the closing table since 1997. We'll map your down payment options, your budget, and your path — even if that path takes a plan over time.
Credit still healing? Savings still growing? FHA was built for exactly that — and America's Mortgage Solutions has been finding FHA paths for Palm Beach County buyers other lenders turned away since 1997.
Zero down, no monthly mortgage insurance, and a Palm Beach County team that treats your VA benefit with the care it deserves — from first conversation to keys.
Take the quick quiz. No application, no credit pull. We point you to the best next step.
How we work
Your mortgage should be part of your overall financial strategy, not just a rate you found online. On our first conversation we take the time to understand your full picture, then compare your options and structure financing that fits your goals — whether you're buying, refinancing, investing, building, or improving a property.
We're a broker, not a bank, so we're not limited to one set of in-house products. When a deal is complex — self-employed income, multiple properties, a commercial building, a hard-to-place property — we shop a wide network of residential, commercial, Non-QM, DSCR, private, portfolio, and specialty lenders to find the right structure. Where other lenders stop, we keep working. And once you close, we're your mortgage lender for life.
A no-pressure conversation to understand what you're trying to accomplish — the property, the income picture, the timeline, and how this fits your bigger financial plan.
We map your options and shop the right lenders for your situation, then walk you through the structure, the numbers, and the path to closing so you can decide with confidence.
We drive the file, solve problems as they come up, and keep you and your team updated the whole way. If one door closes, we keep looking until we find the best available path forward.
What we offer
We work with a wide range of loan programs so we can match the right product to your situation.
Christian Penner grew up in North Palm Beach and has been walking first-time buyers to the closing table since 1997. We'll map your down payment options, your budget, and your path — even if that path takes a plan over time.
Credit still healing? Savings still growing? FHA was built for exactly that — and America's Mortgage Solutions has been finding FHA paths for Palm Beach County buyers other lenders turned away since 1997.
Zero down, no monthly mortgage insurance, and a Palm Beach County team that treats your VA benefit with the care it deserves — from first conversation to keys.
The most flexible mainstream mortgage there is — and the one with the most levers. Christian Penner's finance background and nearly three decades of structuring put every one of them to work for you.
Drive west past the malls and Palm Beach County changes — acreage, equestrian land, and communities where a USDA loan can mean buying with nothing down. We'll check your address in minutes.
Waterfront in Jupiter, an estate in Palm Beach Gardens, a tower residence on the Intracoastal — when the loan outgrows conforming limits, you need deeper lender access and a structurer who's done this since 1997.
Teachers, nurses, first responders, working families — Florida assistance programs can put real money toward your down payment and closing costs. We track them so you don't have to.
Zero-to-low down, no PMI, and student loans counted sensibly — purpose-built financing for doctors joining Palm Beach County's hospitals and practices, from residency to partnership.
You built the business. Your CPA minimized the taxes. Now the bank says you don't earn enough — we've been solving exactly that for South Florida entrepreneurs since 1997.
South Florida rentals financed on their own cash flow — close in an LLC, skip the income docs, and scale the portfolio. Structured by a team that's worked with investors and developers since 1997.
Litigation, thin reserves, too many rentals — South Florida buildings fail agency review constantly. We finance the units other lenders walk away from, with portfolio programs built for exactly this.
Lower the payment, pull equity, drop mortgage insurance, change the term — a refinance is a tool, not a reflex. Since 1997, Christian Penner tells Palm Beach County homeowners the truth about whether theirs pencils.
South Florida equity can fund the renovation, the pool, the dock, or the debt payoff — through a second-lien loan or line that leaves your existing mortgage exactly as it is.
Two years of reduced payments, funded at closing and negotiated into the deal. A structuring tool Christian Penner has used for South Florida buyers when the math genuinely favors it.
HECM and jumbo reverse mortgages that let you tap your equity without a required monthly mortgage payment.
Ground-up, builder, and spec-home construction financing structured for the way projects actually get built.
Roll renovation costs into your purchase or refinance so you can transform a house into the home you want.
Office, retail, multifamily, mixed-use, and industrial financing, including SBA and owner-occupied options.
Bank statement, asset depletion, P&L, 1099, and no-ratio loans for borrowers banks turn away.
Financing for foreign nationals and ITIN borrowers who want to own real estate here.
Bridge and private-money loans that close quickly when timing beats everything.
Purchase-plus-rehab financing for investors, with blanket and cross-collateralized options to scale.
Super jumbo lending for luxury and high-value properties beyond standard jumbo limits.
Flexible financing for improvements, upgrades, and contractor-led projects of every kind.
Fund roof replacement and storm damage repair without draining your savings.
Fund a solar installation and put South Florida's sunshine to work.
Fund a new swimming pool and make the most of the South Florida lifestyle.
Fund heating and cooling replacement so your home stays comfortable year-round.
Fund dock construction and repair so you can make the most of waterfront living.
Protect your waterfront property with financing built for marine construction.
Fund a new boat lift and protect your vessel with marine-savvy financing.
Yachts, aircraft, exotic and RV vehicles, equipment, ADUs, barndominiums, and other specialty assets.
Where we lend
Based in North Palm Beach. Licensed in FL, GA, MI & CO.
South Florida is home — Christian grew up here, and it's the market we've known street by street since 1997. But you don't have to be down the road to work with us: we can originate your mortgage anywhere in all four states, and the whole process runs by phone, email, and secure online tools.
A mortgage is licensed by the state the property is in — not by how close you are to our office. Wherever you're buying in FL, GA, MI & CO, we can help.
See everywhere we serveTools and resources
Run the numbers yourself, or use these tools to get a head start before we talk.
Estimate your monthly mortgage payment with taxes and insurance.
See how much house you can afford based on your income and debts.
Calculate your savings and break-even timeline.
Compare the long-term costs of renting versus owning.