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Helping You Achieve
The American Dream
Of Home Ownership.

Use one of our quick & easy tools to find out what you qualify for!

"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..."

America’s Mortgage Solutions

Your Mortgage Lender for Life

When you are shopping for a mortgage, your goal is not just to buy a home—it is to make an investment in your future. America’s Mortgage Solutions (AMS) is here to help you build personal wealth with a home loan that minimizes your tax liability while maximizing your cash flow.

That way, your mortgage can help you to meet your short- and long-term financial goals.

As your FL home loan experts, we are dedicated to ensuring your home purchase or refinance experience is smooth, seamless, and stress-free.

Ultimately, we hope our relationship with you will be a lifelong one.

Buying a Home in Florida Has Never Been Easier

Here is how we make your home buying experience a great one at AMS:

Find a mortgage product for any need. With our wide assortment of home loans, you can find a product that helps you to achieve your goals flexibly and affordably.

We are up to any challenge. In fact, we specialize in loans that are tough to close. Where other lenders give up, we find a way forward.

We help you choose a home loan that fits your broader financial strategy and goals. We are here to help you strategically build wealth by investing in a home.

Our dedicated team will be in touch with you throughout the process, including before, during and after your closing.

Our goal is to build a lifelong relationship with you. That way, we can continue to make sure you are on track for achieving your financial goals through your mortgage in the future.

• We shop more than 40 lenders to give you amazingly low rates • We also ensure these lenders give you better rates-we negotiate for you • We cut our profit so you can have a lower rate and save more money


We are the industry leader in sourcing commercial capital for any scenario. If you are looking for financing, we can help match you with over 100+ lenders, Banks, institutions and Private Money


Day Capital Resources

We Loan Capital

SoluFi Capital

Advocate Capital Funding Group

Dean Adam Financial

Butler Lending Inc

Pro Financial Consulting

Morgan Maxwell Financial

GUIDEN Capital

Anchor Capital

Circle City Commercial Capital

Atlas Commercial Capital Group

Kent Capital

ASBC Lending

Tower Capital Lending

Biz Prime

Brew City Capital

Elite Capital Groups & Consulting LLC

Dinwiddie Capital, LLC.

Elite Funding Network

Oak Hill Capital

Trusted Commercial Lending Solutions

Capri Commercial Capital

Nguyener's Path Capital

Provision Capital

Campbell Consulting

Eros Capital

Republic Commercial Capital

Nabas Capital

Tampa Bay Business Group

RPF Global Funding

Your FREE Guide to
RIFINANCING or BUYING
A HOME

Guide to Refinance or Buy a Home

See What Our Clients Are Saying About Us

Joel Aratare
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!
Florida Dan L
Florida Dan L
10:19 02 Aug 23
Christian and his team were pro's - thanks to my buddy Blaine for the referral! Easy to work with, open and honest! What more could I want? A++
Tiago Lopes
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
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.
Neil Picart
Neil Picart
15:27 30 Jun 23
America's Mortgage Solutions is a great company to work with. Always responsive when I refer customers.
Best mortgage company here in Palm beach county and Jupiter.. If 10 stars were an option this would be our rating...Was referred to Mr. Penner and his mortgage brokerage company hats off.Very professional and helped beyond our expectations..these guys should be called the dream mortgage experts...Thanks Mr.Penner because of you and your mortgage professional staff we are now living in our dream home!
Bruno Nader
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
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
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
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Apply for a Competitive Home Loan in North Palm Beach, West Palm Beach or Beyond

Ready to buy a home in North or West Palm Beach or elsewhere in Florida? Visit one of our offices in West Palm Beach or North Palm Beach, or call (561) 316-6800 to set up your consultation today. We look forward to becoming your lender for life.