My story
I'm Christian Penner, and I've spent my career helping people solve real financial problems through smart, well-structured financing. I graduated from the University of Florida with a background in finance and real estate, and since 1997 I've worked with homebuyers, homeowners, business owners, investors, developers, and self-employed borrowers who needed more than a basic bank answer.
Over time my work expanded from traditional residential mortgages into complex residential, commercial, investor, construction, private-capital, and specialty financing. Today I lead America's Mortgage Solutions with a simple focus: help clients understand their options, structure the right financing strategy, and find a path forward even when other lenders have said no. A large part of my business comes from Realtors, banks, CPAs, financial advisors, attorneys, and even other mortgage professionals who refer clients when a deal requires creative structuring and deeper lender access.
I'm a husband, father, boater, fisherman, golfer, and lifelong learner. My family is a major part of why I do what I do. I grew up in the North Palm Beach and Palm Beach Gardens area, and South Florida has always been home. A serious accident years ago changed the way I look at life and reminded me that no day is guaranteed, so I try to make every day count and help clients make confident decisions when the stakes are high. At the end of the day, I want you to know you're not going through this alone. We're doing this together, and whether the answer is immediate or takes a plan over time, my job is to help you find the best path forward.
How I work
Creative structuring
Complex income, investors, business owners, unusual properties — I specialize in the loans many banks won't take the time to structure. Where other lenders stop, I keep working until I find the best available path forward.
Broad lender access
As a broker I'm not limited to one set of in-house products. I shop a wide network of residential, commercial, Non-QM, DSCR, private, and specialty lenders to find competitive terms and the right structure for your situation.
A lender for life
I focus on long-term relationships, not one-time transactions. Whether it's your next home, an investment property, a commercial deal, or a refinance down the road, I'm here for all of it — before, during, and long after closing.
Let's talk — no cost, no pressure
You don't need perfect credit or a big pile of savings to start. The best thing you can do is have a conversation and build a roadmap — whether you're ready now or a year from now. There's no charge and no obligation.