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Buy a Home in Florida

Achieving the American Dream of homeownership starts with finding your dream mortgage.

America’s Mortgage Solutions can help you purchase a home in North Palm Beach, West Palm Beach, or anywhere in Florida.

We believe the American Dream should be available to all who come through our doors. That is why we offer loans for every need.

Whether you are buying your first home, your next home, or a second home or vacation home, we strive to make the process fast, affordable, and enjoyable.

We Offer These Mortgage Products

Conventional

If you are buying a home without a government-backed loan, you are probably looking to apply for a conventional loan. If it conforms to the Fannie Mae and Freddie Mac conforming loan limits, it is a conforming conventional mortgage.

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FHA

If you want a low down payment and affordable rates, one product with flexible qualification requirements that may suit you is an FHA mortgage insured by the Federal Housing Administration.

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VA

We welcome veterans, active duty service members, and eligible surviving spouses to apply for VA mortgages backed by the Department of Veterans Affairs. You can purchase a Florida home without making a down payment using a VA loan without paying for PMI.

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Jumbo

For home purchases that exceed the loan limits set by Fannie Mae and Freddie Mac for conforming loans, jumbo mortgages are available.

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USDA

A zero down loan product you can use in rural areas to move affordably into a new home is the USDA mortgage. The US Department of Agriculture guarantees this type of loan.

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FHA 203K

Did you know you can buy a home and fix it up with one mortgage that pools together the costs for both? This is what is possible with a FHA 203k loan.

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Bank Statement Loans

Self-employed borrowers need not worry about W-2s during the application process for a mortgage when applying for a bank statement loan.

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First Time Home Buyers

We help first time homebuyers to buy their dream homes rapidly and easily with affordable and flexible mortgages. These may include any of the loan types above.

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Foreign Nationals

If you want to invest in US real estate as a foreign national, we can connect you with a foreign national loan with up to 70% LTV.

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Non QM

If a qualified mortgage does not meet your requirements, one of our non-QM loan products may. Give us a call or check out our non-QM mortgage page to see what we offer.

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If you do not know what type of mortgage is suited to your needs, we can talk to you about all of the products we offer in detail when you contact us for a consultation. Our assessment of your obstacles and goals will allow us to give you personalized recommendations so you can apply for what is right for you.

Buy Your Florida Dream Home Today

You deserve your piece of the American Dream, and America’s Mortgage Solutions is here to help you buy it flexibly and affordably. To apply now, please call (561) 316-6800 to schedule your consultation. We look forward to helping you move into your new home in FL.

See What Our Clients Are Saying About Us

Frederick Gabbe
Frederick Gabbe
13:56 30 Nov 22
Very professional and attentive. Stayed with me through out the whole process. Greatest support team. Would definitely use again.
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.
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
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
Michelle Rinaldi
Michelle Rinaldi
17:21 11 Jul 19
Christian and his team are so knowledgeable and amazing to work with! He has helped me numerous times to achieve my goals. I highly recommended him.
Grey Tesh
Grey Tesh
18:46 26 Jun 19
Christian is very knowledgeable about getting the best deal on a mortgage. Highly recommend!
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