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Our Mortgage Process

Who knew applying for a home loan could be simple?
In just 8 easy steps, you can purchase a home anywhere in Florida with a competitive loan through America’s Mortgage Solutions.


Schedule your consultation.

It starts with a phone call! Please call (561) 316-6800 to schedule your consultation.


Receive personalized recommendations.

When the consultation takes place, we listen as you tell us about your scenario as a homebuyer.

We also answer your questions at this stage and explain more about our mortgage process.

Once we know more about your situation, we will be able to offer you personalized advice.

We will tell you what your mortgage options are, and how different products could help you save money on a home.


Apply for your home loan in Florida.

After you know what type of home loan you want, you fill out your application and submit it along with your documentation.

You will need to verify your income with either a W-2 or bank statements, depending on your employment situation.


Appraisal and underwriting happen while you wait.

The next step is up to us to complete—appraisal and underwriting. We might ask you to share additional documentation with us as part of this process.


We issue conditional approval.

After appraisal and underwriting, you can look forward to conditional approval. With your loan commitment, you are now well on your way to signing on a mortgage.


It is time to submit pending documents.

Sometimes further documents are required before final approval. We will notify you if anything else is needed.


Final approval!

The big moment you have been waiting for has arrived. Final underwriting is completed at this stage, and you receive final approval.


Let’s close!

You now get to pay your closing costs and down payment, close, and receive the keys to your new home.

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 for a Mortgage in FL Today

Ready to experience our fast and easy mortgage process and move into your Florida dream home?
Please call (561) 316-6800 to schedule your consultation.