Welcome to the Christian Penner Mortgage Team with America’s Mortgage Solutions.
For residential loans America’s Mortgage Solutions & Christian Penner are a Licensed Florida Mortgage Loan Originator & a Florida Mortgage Broker Owner (NMLS#368289), where we can connect you with a competitive home loan in Palm Beach County, North Palm Beach, West Palm Beach or elsewhere in the state of Florida, as well as Georgia, Colorado, Delaware, Pennsylvania, and Maryland for residential loans and we are in all 50 states for Commercial Loans.
Christian Penner Mortgage Broker West Palm Beach is President & Mortgage Broker Owner who also is a Certified Mortgage Advisor (CMA), with America’s Mortgage Solutions, I have been in the Real Estate & Lending Business since 1997. He 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. He is a Licensed Mortgage Broker, NMLS#368289, President & CEO of America’s Mortgage Solutions, NMLS#2009420 and a Realtor SL3027502
Residential Financing Options: Fannie/Freddie Conventional Loans | VA I FHA I USDA I Reverse Mortgages I Jumbo Reverse Mortgages | Self Employed Loans I Bank Statement Loans | Investor DSCR Loans I Private & Hard Money Loans | Fix & Flip Loans | No Ratio and No Income Primary Residence Loans | Condo New Construction and/or Existing Condo Loans | Condotel Loans for 2nd Home or Investment | Jumbo & Super Jumbo Loans to $50M+
Luxury Sales & Epic Loan Options: Residential & Commercial Real Estate | New Construction Developments | Custom Homes I Yachts I Aircrafts I RVs I Collector & Exotic Cars I Roof & Solar Financing Packages
Commercial Financing Options: Commercial Financing Options for Owner Occupied and Investment Properties from $50k - $500M+ | New Construction Owner-Occupied & Investor Loans | SBA Loans New Start-Ups and/or Existing Businesses or for New Construction, Acquisition, or Refinancing an exciting Loan | Developer or Builder Spec Homes Loans | Commercial Buildings | Apartment Complex’s | Mixed-Use Projects | Business Purpose Loans for A/R, Inventory and Cash Flow | Doctor Loans for Business Acquisition & Commercial Real Estate with LTV's as high as 100% LTV
We are your One-Stop Brokerage for all your Personal Residential | Commercial Real Estate | Business Purpose | Sales & Finance for Residential Homes & Commercial Real Estate Developments | Yachts | Aircrafts | RVs | Collector & Exotic Cars | Roof & Solar Financing Packages
If you have any questions about buying a property, refinancing a mortgage or want to chat about a scenario just contact us right away.
When you call ask me about a Residental 3-2-1 or 2/1 buydown Temporary Interest Rate Buydown on a fixed-rate conventional, FHA or VA loans.
Keep in mind We shop more than 250 residential and over 10K Commercial banks, lenders & mortgage companies to give you amazingly low rates and the largest product line in the country!
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I am currently a Mortgage Broker Owner licensed in Florida, Colorado, Georgia, Colorado, Delaware, Pennsylvania, and Maryland Certified as 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.
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.
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 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.
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.
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:
Mortgage Loan Advisor
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.
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.
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.
America’s Mortgage Solutions is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.