Loan Options in Florida
Buying a home in North Palm Beach, West Palm Beach or throughout the state of Florida is an investment in your future. To maximize the return on that investment, you are going to need to find a mortgage that features competitive rates and flexible terms.
America’s Mortgage Solutions offers a broad spectrum of lending products for homebuyers and homeowners throughout Florida.
Our knowledgeable team of loan experts can help you determine the type of home loan that will be ideal for helping you achieve your financial goals.
Types of Florida Home Loans We Offer
Conventional
A home loan that does not feature backing from a government agency is a conventional mortgage. Those that fit within the Fannie Mae and Freddie Mac conforming loan limits are conforming conventional loans.
VA
If you are a veteran, active-duty service member, or eligible surviving spouse, you can apply for a mortgage backed by the Department of Veterans Affairs. You can buy a home with zero down using a VA mortgage, without PMI. Easy credit qualifications and affordable rates are more great reasons to apply for a VA loan.
FHA
Another option for buying a home with competitive rates and a low down payment is an FHA mortgage backed by the Federal Housing Administration. Flexible credit qualification requirements add to the features that make this an attractive option for first time and repeat homebuyers.
Jumbo
When you need a way to borrow more money than is possible with a conforming mortgage, you can apply for a jumbo loan.
Reverse Mortgage
Senior homeowners who are looking for an affordable loan product to boost retirement income can apply for a reverse mortgage in FL.
FHA 203K
Buy a fixer-upper in Florida with this type of mortgage that allows you to roll the cost of purchasing the home together with the cost of repairing it.
USDA
The USDA loan program is an income-based opportunity to buy a home in rural parts of Florida with no down payment and easy credit qualifications. It is backed by The US Department of Agriculture.
First Time Home Buyers
We help first time homebuyers with diverse situations to buy homes successfully. When you contact us, we can help you determine what loan options might be ideal for helping you buy your first home.
Foreign National
If you are living in Florida as a foreign national, we can help you to successfully purchase a home.
Bank Statement Loans
Our bank statement loan process offers you an alternative to submitting full documentation to verify your income when applying for a mortgage.
Let Us Help You Find the Right Loan
America’s Mortgage Solutions is based in North Palm Beach and West Palm Beach, and works with customers throughout Florida. If you are ready to buy a home or refinance now, please call (561) 316-6800 to schedule your consultation. We look forward to connecting you with the mortgage product that will help you achieve your financial goals.
See What Our Clients Are Saying About Us
Bruno Nader
22:54 22 Feb 23
I had ano amazing experience with Christian Penner amd his Mortgage Company! Só ir you are in the market for a New home pra looking to refinance you must call Américas Mortgage Solutions
Lauren W
01:39 19 Jan 23
I'm not the type of person who takes the time to leave reviews, but I truly felt the need to leave one for Christian and his team. This is the hardest working group of professionals that I've encountered in my 14+ years of living in South Florida. I truly thought that I had landed on the best mortgage product available after talking to several different mortgage companies. That is, until I met Christian. I politely told him to get lost but he patiently explained how he could save me money. I was skeptical at first, but he delivered everything he promised and more. His service did not end after the closing. I recently reached out to him for advice and he once again delivered a great solution. Thank you, Christian, I look forward to doing business with you again.
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
20:01 18 Jul 22
Best experience in financing ever! Professional, courteous, and prompt service! Highly recommend!
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
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
22:03 13 Aug 21
Jeffrey Zananiri
12:55 14 May 21
Christian and his team provided a stress free, white glove service. Highly recommend.
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
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
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
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
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
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
13:59 12 Sep 20
chris gagnon
16:44 07 Jul 20
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
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
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
18:26 25 Feb 20
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
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
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
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
02:29 03 Nov 19
HBF Records
17:47 25 Oct 19
Great mortgage officer, has helped me with all my home purchases
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
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
15:15 28 Aug 19
Kept Clients and me informed and Closed Quickly!Ted Brown ReMax Island Properties and Appraiser Realty Institute!
Gloria Kljucevic
14:44 26 Jul 19
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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.