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About America’s Mortgage Solutions

Welcome to the Christian Penner Mortgage Team with America’s Mortgage Solutions.

As a Licensed Florida Mortgage Loan Originator (NMLS#368289), America’s Mortgage Solutions can connect you with a competitive home loan in North Palm Beach, West Palm Beach or elsewhere in the state.

Christian Penner Mortgage Broker West Palm Beach is a Broker Owner, President & Managing Member of America's Mortgage Solutions, Inc. Florida & Colorado who is also a Certified Mortgage Advisor (CMA) That Specializes in All Types of Home Mortgage Loans like: VA – FHA – USDA – Fannie/Freddie – Reverse Mortgages – Jumbo Reverse Mortgages – Self Employed – Bank Statement Loans – Investor Loans – DCSR – Private Loans – Fix & Flip Loans – Owner Occupied & Investor Commercial Loans – No Ratio | No Income Primary Residence Loans & Jumbo | Super Jumbo loans to $50M+

Christian Penner Founder

NMLS #368289

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Meet Christian Penner

I am currently a Mortgage Broker licensed in Florida & Colorado, a Certified Mortgage Advisor, with America’s Mortgage Solutions, I have been in the Real Estate Lending Business since 1997. I graduated from the University of Florida, in 1996, with a BS Degree in Business Administration with a Double Major in Business Finance and Real Estate. I have also graduated from the Todd Duncan Mortgage Productivity School, and I am a Licensed Florida Mortgage Broker, NMLS#368289.

About Me

I have lived in North Palm Beach County Since 1976, after moving from Cleveland Ohio. I started working for a Norwest Financial, a Sales Finance Company right out of college providing personal consumer loans, Sales Financial Loans, and Mortgage Loans. I Maintained being a Top 10% Producer throughout my career with the company. I then transferred to Norwest Mortgage which later became Wells Fargo Home Mortgage. Due to my success with Wells Fargo Home Mortgage, I opened and Managed a Wells Fargo Branch office, in Jupiter FL until 2004. Since then, I have been a Producing Branch Manager for a few different companies and Banks. Today, I am the President and Managing Member of my own mortgage brokerage – America’s Mortgage Solutions.

About My Family

More important than my profession is my family. I originally met my wife when I was in the 6th grade, at a Church Youth Group, but we did not actually start a relationship until after we both graduated from college. We have been married since 2003 and we have two amazing children. My son is named after me, and my daughter’s name is Brooke, and they are a little over a year apart. I really enjoy spending time with them and my wife when I am not working. We all enjoy boating, Golf, going on vacations and enjoying time together at our house in the pool. I also try to stay involved when they are playing soccer, flag football, baseball, and martial arts.

Our Goals for You:

Our goal for you is to help you to minimize your tax liability and maximize your cash flow. In today's market a mortgage loan is more than ever a financial instrument that must be tied into your long and short term personal financial plan. This will allow you to create a debt strategy that will help you to build long term wealth for you and your family.

The Mortgage Team:

We are privileged and Fortunate to have a very experienced Mortgage Team of Professionals that share the same vision. Our intention is to impress upon you the importance of making your mortgage a pivotal component to your overall financial planning strategy. Our goal is to custom fit you with the best overall financing package by, integrating the financing you select with your long and short-term financial and investment goals, which are coupled with your payment and equity objectives. Throughout the process of your transaction, you will be dealing with our entire team at various stages during the loan process. You quest for a new home loan begins with my Intake Team. They will be responsible for working closely from start to finish, answering questions and gathering all the necessary documents for Processing. Our Processing Team are responsible for the Underwriting Stage, Loan Approval Stage, Cleared to Close Stage and the Closed Stage.

Our Team will stay in touch with you throughout the process, before, during and after your closing. As your Personal Loan Consultant, I will oversee every stage of the process. It is our goal to make the mortgage Loan Process the best part of your home buying experience you will ever have.

We want more then to just earn your business; we want to make you part of our family. Rest assured that with our "Client for Life" commitment, you will always be our #1 priority. We surely hope that you will refer us to all your friends, Family, and co-workers!

For Business Partners

Christian works with several referral partners including Realtors, Real Estate Attorney’s, CPA’s, Financial Advisors, Insurance Professionals, Developers and Builders. He is a visionary, and his goal is to facilitate and empower you to reach your Marketing & Business goals! I have incorporated multiple cutting edge sales strategies, for his Referral Partners, that include that include lead generation systems using Social Media Technology through Live Streaming using Facebook Live, Facebook Messenger Bots, Facebook Ads, CRM's, Facebook Business Pages, Google + For Business, Google Ads, WordPress, Video Marketing, Webinars, Single Property Websites, Craig's List, Squeeze Pages, Blogging, Text to Voice Technology, QR Codes and Post Closing Marketing Campaigns with co-branding.

Our Team

We are privileged to have a very experienced Mortgage Team of Professionals that share the same vision. Throughout the mortgage process, you will be working with different members of the team. You quest for a new home loan begins with the Intake Team. They will be responsible for working closely with you from start to finish, answering questions and gathering all the necessary documents for Processing.

Our Processing Team are responsible for the Underwriting Stage, Loan Approval Stage, Cleared to Close Stage and the Closed Stage.

Our Team will stay in constant contact with you from start to finish. As your Personal Loan Consultant, I will oversee every stage of the process. It is our goal to make the mortgage Loan Process the best part of your home buying experience.

Meet the members of the AMS team below:

Christian Penner Founder

Christian Penner

Mortgage Broker

NMLS #368289


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Andrea Pellosma Mortgage Loan Advisor

Andrea Pellosma

Mortgage Loan Advisor

NMLS #1665529


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Tracy Dobrie Relationship Manager

Tracy Dobrie

Relationship Manager


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Marni Jennings Relationship Manager

Marni Jennings

Relationship Manager


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Kristin Kavaliauskas Client Coordinator

Kristin Kavaliauskas

Client Coordinator


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Our Mission

Our goal for you is to help you to minimize your tax liability and maximize your cash flow by connecting you with a suitable home loan.

In today’s market, a mortgage loan is more than ever a financial instrument that must be tied into your long- and short-term personal financial plan. This will allow you to create a debt strategy that will help you to build long-term wealth for you and your family.

As your lifetime mortgage company, AMS will be here to support you every step of the way.

Reasons to Choose AMS

A broad loan
selection

With so many mortgage products to choose from, you are assured of finding one that will suit your needs.

We are experts at overcoming obstacles

Some loans are tough to close, but we specialize in overcoming obstacles and closing them successfully.

Excellent
communication

You will know the status of your loan at every step, and answers to your questions are always just a phone call, text or email away.

See What Our Clients Are Saying About Us

L McDonough
L McDonough
20:01 18 Jul 22
Best experience in financing ever! Professional, courteous, and prompt service! Highly recommend!
Kevin Coumes
Kevin Coumes
00:39 02 Jun 22
Christian Penner and his team are remarkable! True professionals at their best! I will always use Christian and his team for all of my lender needs in South Florida - period.Marni, Andrea, and Christian are experts at what they do! Call Christian and his team for trusted and expertise that you need when financing real estate!
Brian Sharkey
Brian Sharkey
14:35 22 Sep 21
When you need a local lender as the customer it is important to look for someone who can be organized and prepared for any local issues that can ruin a deal, know the community and how to get you funded on time. Meet Marni from Christian Penner Group for an amazing experience. I recommend you contact her she will call you back shortly.
Gayle Clark
Gayle Clark
22:03 13 Aug 21
Jeffrey Zananiri
Jeffrey Zananiri
12:55 14 May 21
Christian and his team provided a stress free, white glove service. Highly recommend.
Jack Dixon
Jack Dixon
18:06 01 Apr 21
Working with Chris + team was incredible! They reduced our anxiety and stress levels, were tolerant and patient throughout the entire process, and got the deal done in breakneck speed. We're extremely happy in our new home. Highly recommended!
Kathy Letourneau
Kathy Letourneau
22:42 14 Feb 21
Beverly Boyett was my representative and she went above and beyond in assisting me with my Refi. She DID what she said she would do... and MORE! Can't express how kind, efficient and knowledge she was. I will definately go back to Hamilton in the future with any home financing needs.
Anthony Messina
Anthony Messina
22:25 12 Feb 21
Americas mortgage solutions does such an amazing job . Christian and his staff make refinancing about as seamless as it can be . They stay in contact with you if you need a question answered a fast reply is always there. Submitting all the forms was very easy also. They do whatever it takes to make sure your needs and concerns are met. Your name is always mentioned when I hear people talk about a mortgage .so thanks Christian, Becky , Kirstin and Diana sorry if I missed anyone ! for all your help in addressing my concerns AWESOME TEAM !!!
Jordan Volgs And More
Jordan Volgs And More
15:00 03 Feb 21
If you are having difficulty getting a good deal on a mortgage, I would highly suggest that you contact ‘Christian and his amazing team. They will simply get things done that other companies cannot. And to top it off, his team makes it an absolute priority to get the deal done on time. Do not hesitate to contact Christian.
Rachel Stevens
Rachel Stevens
18:29 05 Nov 20
Christian and his team were wonderful to work with! They helped us refinance our home and we couldn’t be happier. They were always available and patient with us when we had questions. Would highly recommend them for any home financing needs.
Kirstin McDonough
Kirstin McDonough
15:38 28 Sep 20
Christian Penner and his team really were amazing to work with. With his advice we went from looking for a rental to buying our first home. This was my first experience and I could not have ask for a better team to work with. I learned so much from his advice as he guided us through the entire loan process. Not only was he able to get us this awesome MCC tax credit and an interest under 3%. We are so excited to be homeowners and we are so thankful to be working with Christian Penner. So, if you are renting and thinking of buying a new home then do as we did and work with Christian Penner and allow his team to help make your dreams of being a home owner a reality.
Kristine Clark
Kristine Clark
19:21 13 Sep 20
Christian Penner and his team are the best! He has done 5 mortgage loans for me over the past 15 years and has always given me the best rate and closing costs! So if you are looking to buy a new home of refinance your current home then you need to call Christian Penner as he is the best Mortgage Professional in the business today!
Michele Penner
Michele Penner
13:59 12 Sep 20
chris gagnon
chris gagnon
16:44 07 Jul 20
Steve Vlahakis
Steve Vlahakis
17:22 22 Apr 20
Great organization with wonderful people to work with and very professional owner. Third time in 20 years he has gotten us mortgages and or refinancing. 🙏👍👌
Hans Alce
Hans Alce
13:21 04 Apr 20
Christian and his team were transparent and helpful. They were clear about our options every step of the way.
Brett Gray
Brett Gray
16:25 01 Apr 20
Christian and his team answered all my questions quickly and made the closing very smooth. I will 100% recommend him to friends and family!!!
Juan Palerm
Juan Palerm
17:34 04 Mar 20
Thanks for the effort getting us the deal. We closed quickly and with as little effort possible, considering the mortgage process. Thanks again for getting it done!
jdbell25831
jdbell25831
18:26 25 Feb 20
Cindy Smernoff
Cindy Smernoff
17:34 12 Jan 20
Great team.. very responsive to my needs snd always called back immediatelyThe best mortgage brokerCindy Voloshin
anthony baffa
anthony baffa
19:43 12 Dec 19
Buying my first home was a pleasure thanks to the Christian Penner Mortgage Team. My mortgage broker Christina Kelleher guided me through the process with ease. I can’t thank Christina and her team enough.
Christine O'Connell
Christine O'Connell
20:56 11 Dec 19
I have recently purchased my little piece of Paradise in Jupiter Florida. The Christian Penner team was wonderful from start to finish, it didn’t matter how many of the staff I spoke to, the experience was wonderful. A flawless experience. I would highly recommended this company to friends and family with any of their future purchases in the Sunshine State!Thank You Guys, Christine
Thomas Tedesco
Thomas Tedesco
00:35 11 Dec 19
As a first time home buyer we were determined and yet uncertain about the entire process for a purchase. After working with two other companies we came across the Hamilton Group Funding. company. I must say, they stand with you every step of the way. The entire staff from loan officer to underwriting was absolutely terrific to work with. Had it not been for the entire staff putting together as a team from front to N we would not be in our beautiful home today
ASHLEY Varner
ASHLEY Varner
02:29 03 Nov 19
HBF Records
HBF Records
17:47 25 Oct 19
Great mortgage officer, has helped me with all my home purchases
anthony sacca
anthony sacca
01:31 24 Oct 19
Christian and his team were great ! They got me the rate I wanted and helped every step of that way up to closing . I have referred them to several friends and family members and everyone was happy with the service .
Ed Klenn
Ed Klenn
18:38 29 Sep 19
So glad I reached out to Christian Penner and his staff. I had some industry questions and needed answers. No problems now! He took the time to thoroughly understand my situation, and he and his team helped me out. Thank you, Mr Penner!Ed Klenn, RealtorPremier Brokers International RE
Ted Brown
Ted Brown
15:15 28 Aug 19
Kept Clients and me informed and Closed Quickly!Ted Brown ReMax Island Properties and Appraiser Realty Institute!
Gloria Kljucevic
Gloria Kljucevic
14:44 26 Jul 19
Leland Clark
Leland Clark
18:50 20 Jul 19
Christian Penner and his Mortgage Team are the best I have ever worked with! They have the best rates and lowest costs then anyone I compared them to. So if you are in the market to buy a new home or refinance your current home then do as I did and call Christian Penner to get the best mortgage that fit into my long and short term objectives. He really took the time to understand what I need for my family!
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Apply Now for a Home Loan in Florida

Are you ready to achieve the American dream of home ownership? America’s Mortgage Solutions has offices in North Palm Beach and West Palm Beach. We can work with you anywhere in Palm Beach or Florida.

To schedule your consultation, please call (561) 316-6800. Let’s find you the ideal mortgage to buy a home affordably and build wealth.