More Starter Homes Are Hitting the Market

December 17, 2024 by christianpenner

More Starter Homes Are Hitting the Market

More entry-level homes – also known as starter homes – are popping up on the market. And after several years with very few homes available to buy and prices rising, there are finally some more options for first-time buyers.

Inventory Is Increasing – Especially at Lower Price Points

Over the past year, the total supply of homes for sale has improved. According to Realtor.com, in November there were 26.2% more homes for sale compared to this time last year, marking 13 months of inventory growth and the most homes available since December of 2019.

Interestingly, the growth isn’t spread evenly among all types of homes, though. According to Redfin, starter homes have seen the biggest increase (see graph below):

So, if you’re a first-time buyer who’s been sitting on the sidelines waiting because you thought you might never find a starter home in your market, this could be a game-changer. You finally have more options to choose from, and you just might be able to find one in your price range.

How an Experienced Agent Helps You Find a Starter Homes

Finding the right starter home at the right price point in your local market might feel like an unthinkable challenge, but a local real estate agent makes it easier. They stay up to date on the latest starter home listings in your area, so you don’t miss any opportunities.

Your agent will help you focus on homes that match your budget and your needs, making the search less stressful. They’ll also guide you through how to make the right offer and negotiate to get the best outcome possible.

On top of that, they handle the important details, like documentation and deadlines, so you can stay right on track. And if you have questions, your agent is there with answers and expert advice every step of the way.

Bottom Line

Starter homes are making a bit of a comeback, and this could be your chance to find one. Whether you’re ready to visit listings, need advice, or just want to see what’s out there, let’s connect.

Read from source: “Click Me”

Questions, Comments or For more information you can call

Christian Penner Branch Manager at 561-316-6800 or email us at TheMortgageTeam@ChristianPenner.com

Approval Hotline: 561-316-6800

Helping You Achieve the American Dream of Home Ownership

Or You can click “Call Me” below to call Christian Penner directly using Google Voice

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We have been in the Mortgage and Real Estate Business since 1997!

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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!

If you have any questions or if you have friends, family or clients, that are buying a home & need a mortgage or want to chat about a scenario just contact us right away:

1) 📅To schedule a time to talk with me just click here: 🔗 Schedule an Appointment with me: Click Here (pick the calendar that fits your specific situation)

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Cell/SMS: 561-373-0987

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Christian Penner

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Buyer Referral Hotline: (561) 316-6800

Only an Expert Agent Can Give You an Accurate Value of Your Home

December 16, 2024 by christianpenner

Only an Expert Agent Can Give You an Accurate Value of Your Home

In today’s digital age, it’s tempting to rely on automated tools for everything — including figuring out how much your house is worth. But be careful. The automated estimates you’re seeing online often miss key details that affect the true market value of your home.

Before you toss a for sale sign in your yard and expect to bring in the number you saw for your house online, you need to understand why these tools generally aren’t spot-on and why working with an expert real estate agent is the best way to get an accurate picture of what your house is really worth.

The Myth: Online Home Value Estimates Are Accurate

Online home valuation tools give you an approximate value for your house based on the data that’s publicly available for your home. While this can give you a rough starting point, the keyword here is rough. As an article from Ramsey Solutions says:

“Online Home Value Estimators Aren’t 100% Accurate . . . The estimates are only as reliable as the amount of public record data the real estate websites can access. The less data gathered for your particular neighborhood, county and state, the less you can depend on this number.”

The Reality: Online Estimates Miss Key Factors

Here’s the biggest issue with online estimates: they don’t take into account the unique aspects of your home or your local market. And that’s why an agent’s expertise can make such a difference when figuring out what your house is really worth. Here’s an example. A real estate agent will also factor in:

The Home’s Condition: Online tools can’t tell whether your home has been well-maintained or if it needs significant repairs. The condition of your house plays a huge role in its value, and only an in-person walk-through can account for that.
The Latest Neighborhood Trends: Is your neighborhood up-and-coming? Are there new developments or amenities nearby that make your home more desirable? Automated tools often overlook local trends that can significantly affect the value of your home.
Accurate Comparable Sales: While online estimates may use past sales data as a baseline, they don’t always reflect the most recent or most relevant comparable sales, or comps. Real estate agents, on the other hand, have access to up-to-date market data and can give you a much more accurate estimate based on real-time sales in your area.

Agents have a deep understanding of the local market, and they can provide insights that automated tools simply can’t match. As Bankrate explains:

“Online estimation tools determine pricing using algorithms that rely on publicly available information. These algorithms can vary widely from one tool to the next and typically don’t account for a home’s current condition or any upgrades or renovations that are not reflected in public records. So they are not as accurate as in-person methods, like a real estate agent’s comparative market analysis . . .”

While online home value estimates can be a helpful tool to get a rough idea of what your home is worth, they aren’t foolproof. The true value of your home depends on a range of factors that automated tools just can’t account for.

To get the most accurate estimate, let’s connect. That way you have expert guidance and up-to-date market insights to set the best possible price for your home.

Only an Expert Agent Can Give You an Accurate Value of Your Home

In the fast-paced world of real estate, understanding what your house is really worth is far more than a simple number. It’s the key to unlocking your next chapter, whether that involves upsizing, downsizing, or simply taking the next step in your financial journey. While online home value estimates may promise quick results, there’s one irrefutable truth: only an expert agent can give you an accurate value of your home.

The Myth of Online Estimates

If you’ve ever Googled for your house online to get a price, you’re not alone. The rise of online home valuation tools has made it easier than ever to get an approximate value for your house with just a few clicks. These tools use public record data and basic algorithms to determine your home’s worth. While this sounds convenient, they miss critical components that shape the true value of your property. Think of it this way: an automated tool can only see the bones of your home, but it doesn’t know the soul of it.

Your home’s condition, unique upgrades, and neighborhood nuances are invisible to even the most sophisticated online home value estimators.

Your home isn’t just a data point on a chart. It’s a living, breathing reflection of countless decisions, memories, and investments.

That’s where an expert real estate agent comes in. They’ll see past the numbers and into the details that add value where others miss it.

Why Online Tools Fall Short

Online tools might offer an approximate value for your house, but they aren’t equipped to provide the accurate home value you need to make informed decisions. Here’s why:

Public Record Data Isn’t Always Accurate: These tools rely heavily on public record data — which can sometimes be outdated or incomplete. Renovations? Hidden gems like custom finishes or energy-efficient upgrades? These details rarely make it into public records.
They Ignore Your Local Market: Real estate is inherently local. A recent surge in home sales in one West Palm Beach neighborhood might not apply to another area a mile away. Automated tools struggle to grasp these subtle yet crucial distinctions in your local market.
They Don’t Consider the Human Factor: Is your street particularly quiet? Does your home have the best sunset view on the block? An automated system can’t measure the intangibles that buyers value.

The Power of An Agent’s Expertise

A real estate agent’s role isn’t just to list homes. It’s to analyze, interpret, and uncover value where a computer algorithm cannot. When you partner with an expert real estate agent, you gain more than just a listing price—you gain expert guidance that bridges the gap between market value and your home’s unique story.

The Comparative Market Analysis (CMA)

One of the most valuable tools in an expert agent’s arsenal is the comparative market analysis (CMA). Unlike automated systems, a CMA is crafted using:

Real-time sales data from homes like yours.
Up-to-the-minute insights about your specific neighborhood.
A deep dive into your home’s condition and unique selling points.

In-person methods like walkthroughs ensure that every detail is accounted for—whether it’s the new kitchen countertops or the fully landscaped backyard.

Accurate home value isn’t about rough estimates. It’s about precision, expertise, and data-backed decisions.

Why Real-Time Data Matters

Real estate markets are constantly evolving. The price you saw for your house online last month might already be outdated. That’s why up-to-date market data and real-time sales comparisons are critical. Real estate agents have access to this information in ways that real estate websites simply can’t replicate.

When you’re deciding on the market value of your home, you need data that reflects today’s trends—not last quarter’s.

The Unique Factors Agents Consider

Your Home’s Condition No two homes are identical, even in the same neighborhood. An expert agent will assess your home’s condition to see how well it compares to others on the market. A freshly painted home with modern finishes will naturally command a higher price than one in need of repairs.
Renovations and Upgrades Have you recently upgraded your kitchen, added a pool, or finished your basement? These are factors that automated tools often miss. An agent’s expertise ensures your hard work is reflected in the final valuation.
Neighborhood Trends Is the local park being revamped? Are trendy cafes or schools drawing new buyers? These micro-trends can have a big impact on your home’s desirability.

The West Palm Beach Advantage

If you’re selling in West Palm Beach, the stakes are even higher. The market is dynamic, and competition can be fierce. Whether you’re looking for affordable West Palm Beach home loans, seeking the best mortgage rates in West Palm Beach, or connecting with a West Palm Beach mortgage broker, partnering with local mortgage lenders in West Palm Beach and a knowledgeable agent will set you up for success.

For sellers considering their options, having the right valuation can also guide your next steps. Maybe you’re looking at first-time home buyer loans in West Palm Beach, exploring West Palm Beach refinancing options, or using a West Palm Beach mortgage calculator to plan for your next property. An expert real estate agent will ensure you’re not leaving money on the table.

The True Value of Expert Guidance

An accurate valuation is about much more than just numbers. It’s about understanding the unique factors that define your home’s place in the market. A commercial mortgage broker in West Palm Beach might help businesses determine value, but for residential sellers, an expert agent’s knowledge is indispensable.

Setting the Stage for Success

Before you list your home, consider this:

Mortgage preapproval in West Palm Beach could help you get ready for your next purchase.
Understanding property loan advice in West Palm Beach can help streamline your transition.
Partnering with local mortgage lenders in West Palm Beach ensures your future moves are financially savvy.

But first, it all begins with knowing what your home is worth. Not approximately. Not roughly. Precisely.

Bottom Line

When you work with an expert real estate agent, you’re not just getting a price. You’re getting confidence. Confidence that your home’s true value will be recognized. Confidence that you’re making the right move in your local market. Confidence that every factor—from renovations to up-to-date market data—has been considered.

Don’t leave one of life’s biggest decisions to chance or algorithms. Trust an agent’s expertise to deliver the accurate home value you deserve. Because when it comes to the market value of your home, precision matters.

Read from source: “Click Me”

Questions, Comments or For more information you can call

Christian Penner Branch Manager at 561-316-6800 or email us at TheMortgageTeam@ChristianPenner.com

Approval Hotline: 561-316-6800

Helping You Achieve the American Dream of Home Ownership

Or You can click “Call Me” below to call Christian Penner directly using Google Voice

We Specialize in All Types of Financing, Mortgage Loans and Real Estate Deals.

We have been in the Mortgage and Real Estate Business since 1997!

Connect with us on Social Media

Personal Profiles:

America’s Mortgage Solutions:

YouTube Video Playlist Links:

American Dream TV Show | Mortgage Process Steps | Homebot Videos | Traditional Loan Programs | NON-QM & Portfolio Loan Programs

HomeBot: Build more wealth with your home

Homeowners👉https://hmbt.co/nwCdmG
Homebuyers👉 https://hmbt.co/G8fMT
Realtors 👉 https://youtu.be/wXROJXQWgug
Join here Realtors 👉 https://join.homebot.ai/sponsor/368289?type=real-estate-agent

Check Our Reviews:

Residential Financing Options:

Temporary Interest Rate Buy-downs on a fixed-rate conventional | FHA | VA loans: 3-2-1, 2/1 or 1/0.

Luxury Sales & Epic Loan Options:

Commercial Financing Options:

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!

If you have any questions or if you have friends, family or clients, that are buying a home & need a mortgage or want to chat about a scenario just contact us right away:

1) 📅To schedule a time to talk with me just click here: 🔗 Schedule an Appointment with me: Click Here (pick the calendar that fits your specific situation)

2) 🏦 Apply for a mortgage now at www.ChristianPennersLoanApp.com

If you apply, please text me your full name and email address 📱561-373-0987 or

3) 📞Call me directly ☎️561-373-0987

Helping You Achieve The American Dream Of Home Ownership.

Christian Penner, CMA

President | CEO | Mortgage Broker

NMLS#368289

America’s Mortgage Solutions, Inc NMLS#2009420

Cell/SMS: 561-373-0987

Direct/efax/SMS: 561-316-6800

ChristianPenner.com/MyBusinessCard

https://g.page/TheMortgageTeam

www.AmericasMortgageSolutions.com

Christian Penner

712 U.S. Highway 1 North #300, North Palm Beach, FL 33408

Buyer Referral Hotline: (561) 316-6800

What Will It Take for Prices To Come Down?

December 10, 2024 by christianpenner

What Will It Take for Prices To Come Down?

You may be wondering if home prices are going to crash. And believe it or not, some people might even be hoping this happens so they can finally purchase a more affordable home. But experts agree that’s not what’s in the cards – and here’s why.

There are more people who want to buy a home than there are homes available to purchase. That’s what drives prices up.

Let’s break that down and explore why, nationally, home prices aren’t going to be coming down anytime soon.

Prices Depend on Supply and Demand

The housing market works like any other market – when demand is high and supply is low, prices rise.

According to the latest estimates, the U.S. is facing a housing shortfall of several million homes. That means there are far more people looking to buy (demand) than there are homes for sale (supply). That mismatch is the key reason why prices won’t fall at the national level. As David Childers, President of Keeping Current Matters (KCM), puts it:

“The main driving force on pricing is the limited amount of inventory in most markets across the country. That issue is not going to be solved overnight or in the next twelve months.”

How Did We Get Here?

For over 15 years, homebuilders haven’t been building enough homes to keep up with buyer demand. After the 2008 housing crisis, homebuilding slowed significantly, and it’s only recently started to recover (see graph below):

Even with new construction on the rise over the past few years, builders are playing catch-up. And according to AmericanProgress.org, they’re still not even keeping up with today’s demand, let alone making up for years of underbuilding.

And as long as there’s a housing shortage, home prices will remain steady or increase in most areas.

What About Next Year?

The majority of experts agree prices will keep rising next year, but at a much slower, healthier pace (see graph below):

But it’s important to note home prices vary by market. What happens nationally might not reflect exactly what’s happening in your area. If your local market has more inventory available, prices could grow more slowly or even decline slightly. But in areas where inventory remains tight, prices will keep climbing – and that’s what’s happening throughout most of the country. That’s why it’s crucial to work with a local real estate expert who understands your market and can explain what’s going on where you live.

If you’re wondering what it’ll take for prices to come down, it all goes back to supply and demand. With inventory still limited in most markets, prices are likely to remain steady or rise.

To see what’s happening with home prices where we live, let’s connect. That way you’ll have help understanding our market and making a plan that works for you.

What Will It Take for Prices To Come Down?

The question on everyone’s mind is this: will home prices ever go down? With so much chatter about the current state of the housing market, it’s easy to see why people are wondering when, or if, they can purchase a more affordable home. The answer, however, lies in the age-old principle of supply and demand. While it may seem straightforward, the intricate web of factors contributing to the rise of home prices is anything but simple. Let’s dive deep into what it will truly take for prices to come down.

The Role of Supply and Demand

In any market, including the housing market, the balance of supply and demand is the main driver of pricing. Right now, there are simply not enough homes to keep up with buyer demand. The number of homes available to purchase has been outpaced by the sheer volume of people who want to buy a home. This imbalance creates a scenario where competition among buyers drives prices higher, leaving many prospective homeowners feeling stuck.

According to David Childers, President of Keeping Current Matters, “The main driving force on pricing is the limited amount of inventory in most markets across the country.” His observation underscores the critical issue: we’re facing a significant housing shortage that shows no signs of resolving overnight.

The Shadow of the 2008 Housing Crisis

To understand how we got here, we must look back at the aftermath of the 2008 Housing Crisis. This devastating event had a ripple effect on the homebuilding industry. For years, builders pulled back significantly, slowing down the production of new homes. The resulting housing shortfall has compounded over time, creating a backlog of unmet demand that builders are only now starting to address.

Even with new construction ramping up in recent years, the pace hasn’t been enough to close the gap. Decades of underbuilding have left us playing catch-up, and the effects are felt most acutely in markets with tight inventory.

Housing Shortage: A Nationwide Dilemma

The United States is short by several million homes. This housing shortage means there simply aren’t enough homes for sale to meet the needs of prospective buyers. As long as this scarcity exists, home prices will remain elevated. In some regions, like West Palm Beach, the situation is particularly acute, with inventory remaining stubbornly low.

The West Palm Beach Market

Take a closer look at your local market in West Palm Beach, and you’ll see a perfect example of the nationwide trend. For buyers seeking affordable West Palm Beach home loans or the best mortgage rates in West Palm Beach, the challenge often lies in finding properties within their budget. Local experts, including West Palm Beach mortgage brokers, note that competitive bidding wars have become the norm, further inflating prices.

The need for first-time home buyer loans in West Palm Beach is growing, but limited inventory keeps driving demand higher. Despite attractive West Palm Beach refinancing options, many homeowners are holding onto their properties, unwilling to sell in a market where finding a replacement home is equally challenging.

Local Solutions Require Local Expertise

When it comes to navigating this competitive environment, turning to a local real estate expert can make all the difference. A professional who knows your local market can provide invaluable insights into where opportunities exist and how to structure competitive offers. In West Palm Beach, working with local mortgage lenders and accessing tools like West Palm Beach mortgage calculators can help you make informed decisions about affordability and financing.

What Needs to Change?

So, what will it actually take for prices to come down? Several critical factors must align:

Increased Homebuilding

One of the most important steps is a significant increase in homebuilding. Builders must not only meet today’s demand but also make up for the years of underproduction that have left the market in its current state. However, challenges such as rising material costs, labor shortages, and regulatory hurdles continue to slow progress.

Boosting Inventory

Bringing more homes available to purchase onto the market is another key step. This can happen through new construction, but also by encouraging existing homeowners to sell. Programs that incentivize downsizing or relocation could help free up inventory in high-demand areas.

Addressing Affordability

For many buyers, accessing affordable homes remains a distant dream. Policies aimed at reducing barriers to entry, such as expanding access to first-time home buyer loans in West Palm Beach or offering subsidies for lower-income families, could help level the playing field. Collaboration between government agencies, private developers, and community organizations will be essential.

The Role of Financing

Financing also plays a major role in determining affordability. With interest rates fluctuating, many buyers are turning to West Palm Beach mortgage brokers for advice on securing the best mortgage rates in West Palm Beach. Options like mortgage preapproval in West Palm Beach or consulting a commercial mortgage broker in West Palm Beach can help both residential and commercial buyers navigate a competitive market.

Addressing Regional Disparities

While national statistics paint a broad picture, local dynamics can vary dramatically. In some areas, an influx of new residents has put unprecedented pressure on the housing supply, while other regions might experience slower growth. Addressing these regional disparities requires tailored solutions.

For example, states and cities can consider zoning reform to allow for higher-density developments. This approach can be especially impactful in urban areas like West Palm Beach, where land is scarce. Additionally, public-private partnerships can fund affordable housing projects that cater to middle-income earners who often fall through the cracks of traditional housing assistance programs.

Educating Future Buyers

Another critical element in easing the tension in the housing market is equipping future buyers with the tools and knowledge they need to succeed. Property loan advice in West Palm Beach and workshops on navigating the mortgage process can empower first-time buyers to make informed decisions. Resources like West Palm Beach mortgage calculators offer a practical way for individuals to understand their borrowing potential and avoid overextending their budgets.

Exploring Technological Innovations

In addition to traditional solutions, technological advancements can also help bridge the gap in the housing market. Platforms that connect buyers directly with sellers, virtual tours, and AI-driven property valuation tools can streamline the home-buying process. These tools can make it easier for buyers to identify opportunities in competitive markets like West Palm Beach. Similarly, advancements in construction technology, such as 3D-printed homes, have the potential to revolutionize homebuilding, making it faster and more cost-effective to produce new housing units.

Community Involvement in Housing Solutions

Communities themselves can play a vital role in addressing housing challenges. Local initiatives that bring together developers, city planners, and residents can ensure that new housing developments meet the needs of the community. In West Palm Beach, for instance, partnerships between civic organizations and developers could focus on creating mixed-income housing developments that provide options for various income levels.

Moreover, fostering a culture of housing education within communities can empower residents to advocate for policies that promote affordability and accessibility. Workshops, town hall meetings, and community forums can provide a platform for residents to voice concerns and collaborate on solutions.

The Road Ahead

Looking forward, the path to a balanced housing market will require effort from all sides. Policymakers, builders, lenders, and buyers must work together to address the factors contributing to high home prices. In the meantime, buyers should stay proactive by seeking advice from local real estate experts and exploring creative financing solutions. Whether it’s through West Palm Beach refinancing options or leveraging tools like mortgage preapproval in West Palm Beach, having a plan can make a significant difference.

Final Thoughts

The road to lower home prices isn’t a short one. The interplay between supply and demand, the lingering effects of the 2008 Housing Crisis, and the persistent housing shortfall all contribute to the complexity of the issue. However, with strategic planning, policy changes, and the guidance of local real estate experts, there is hope for a more balanced market in the future.

If you’re navigating the West Palm Beach housing scene, remember that there are resources available to help. From affordable West Palm Beach home loans to advice from property loan experts in West Palm Beach, taking proactive steps can make all the difference. Together, we can tackle the challenges of the current housing market and pave the way for a brighter future.

Read from source: “Click Me”

Questions, Comments or For more information you can call

Christian Penner Branch Manager at 561-316-6800 or email us at TheMortgageTeam@ChristianPenner.com

Approval Hotline: 561-316-6800

Helping You Achieve the American Dream of Home Ownership

Or You can click “Call Me” below to call Christian Penner directly using Google Voice

We Specialize in All Types of Financing, Mortgage Loans and Real Estate Deals.

We have been in the Mortgage and Real Estate Business since 1997!

Connect with us on Social Media

Personal Profiles:

America’s Mortgage Solutions:

YouTube Video Playlist Links:

American Dream TV Show | Mortgage Process Steps | Homebot Videos | Traditional Loan Programs | NON-QM & Portfolio Loan Programs

HomeBot: Build more wealth with your home

Homeowners👉https://hmbt.co/nwCdmG
Homebuyers👉 https://hmbt.co/G8fMT
Realtors 👉 https://youtu.be/wXROJXQWgug
Join here Realtors 👉 https://join.homebot.ai/sponsor/368289?type=real-estate-agent

Check Our Reviews:

Residential Financing Options:

Temporary Interest Rate Buy-downs on a fixed-rate conventional | FHA | VA loans: 3-2-1, 2/1 or 1/0.

Luxury Sales & Epic Loan Options:

Commercial Financing Options:

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!

If you have any questions or if you have friends, family or clients, that are buying a home & need a mortgage or want to chat about a scenario just contact us right away:

1) 📅To schedule a time to talk with me just click here: 🔗 Schedule an Appointment with me: Click Here (pick the calendar that fits your specific situation)

2) 🏦 Apply for a mortgage now at www.ChristianPennersLoanApp.com

If you apply, please text me your full name and email address 📱561-373-0987 or

3) 📞Call me directly ☎️561-373-0987

Helping You Achieve The American Dream Of Home Ownership.

Christian Penner, CMA

President | CEO | Mortgage Broker

NMLS#368289

America’s Mortgage Solutions, Inc NMLS#2009420

Cell/SMS: 561-373-0987

Direct/efax/SMS: 561-316-6800

ChristianPenner.com/MyBusinessCard

https://g.page/TheMortgageTeam

www.AmericasMortgageSolutions.com

Christian Penner

712 U.S. Highway 1 North #300, North Palm Beach, FL 33408

Buyer Referral Hotline: (561) 316-6800

Joel Aratare

15:56 08 Feb 24

America mortgage solutions is amazing! Christian Penner and his assistant, Andrea make the mortgage process easy. If you’re looking for the good guys and a team with all your mortgage solutions! Call them today!

Tiago Lopes

18:07 28 Jul 23

As a first time homeowner, Christian Penner made the whole process very easy. He was always available to answer my questions and help with any problems i had. If you’re looking for a mortgage company, I highly recommend America’s Mortgage Solutions. I will definitely use them again and tell all my friends about them

Max Lipton

22:49 24 Jul 23

Christian helped me tremendously through the process of purchasing my home and helping me secure a mortgage. His team has also stayed in contact with useful tools for a homeowner that have really helped me understand my home. The Homebot App is also an extremely helpful tool that has also helped me to make the decision as to when I should consider selling as well.

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.

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.

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.

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