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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.

We are looking forward to meeting you when you schedule your mortgage consultation. Below, you can get to know us.

Christian Penner Founder

NMLS #368289


Meet Christian Penner

I’m Christian Penner, your Personal Loan Consultant. I have lived in North Palm Beach County Since 1976, after moving from Cleveland, Ohio. I’d like to tell you how I got started in lending and grew my career to this point.

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 was 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.

I would also like to tell you a little bit about who I am outside of work. I originally met my wife when I was in the 6th grade at a Church Youth Group, but we did not start a relationship until after we both graduated from college. We have been married since 2003, and have two amazing children. My son is named after me, and my daughter’s name is Brooke. 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 like to be involved when they are playing soccer, flag football, baseball, and martial arts.

The reason I am telling you about my family is twofold. First, my family is my world, just as yours is for you. So I know how important it is to build wealth as part of the legacy you pass down to your children. I am committed to helping you do that.

Secondly, I try to make my dedication to family a part of how I run my business. In fact, I want to make you a part of the AMS family as our Client for Life.

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


Andrea Pellosma Mortgage Loan Advisor

Andrea Pellosma

Mortgage Loan Advisor

NMLS #1665529


Tracy Dobrie Relationship Manager

Tracy Dobrie

Relationship Manager


Marni Jennings Relationship Manager

Marni Jennings

Relationship Manager


Kristin Kavaliauskas Client Coordinator

Kristin Kavaliauskas

Client Coordinator


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

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.


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

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.
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.

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.