Licensing
Licensed in Florida, Georgia, Michigan and Colorado
America's Mortgage Solutions (NMLS #2009420) is licensed to originate mortgages in Florida, Georgia, Michigan and Colorado, and I hold my individual loan originator license there as well (Christian Penner, NMLS #368289). A mortgage is licensed by the state the property sits in — so if your home is in any of these 4 states, we can do your loan.
There's no automatic "reciprocity" between states. Each state issues its own license, and we've gone through that process in all 4. For you, that means continuity — if a move, second home, or investment property crosses one of these state lines, you keep the advisor who already knows your income, goals, and timing.
What we can help with in each state
Program availability, underwriting rules, and closing details vary by state and lender, so we always review the options for your specific property.
Florida
Licensed · FLWe're licensed to originate mortgages on Florida properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and we review the programs that fit your specific property.
Georgia
Licensed · GAWe're licensed to originate mortgages on Georgia properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and we review the programs that fit your specific property.
Michigan
Licensed · MIWe're licensed to originate mortgages on Michigan properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and we review the programs that fit your specific property.
Colorado
Licensed · COWe're licensed to originate mortgages on Colorado properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and we review the programs that fit your specific property.
Verify our licenses yourself
Every mortgage company and loan originator in the country has a public record on NMLS Consumer Access. Look up America's Mortgage Solutions (NMLS #2009420) or Christian Penner, NMLS #368289. It takes about a minute.
Want the local picture? See where we're based and where we lend.
Buying or refinancing in FL, GA, MI, CO?
The first step is the same everywhere: a straightforward conversation about your goals and your numbers. No cost, no pressure.
Christian Penner, NMLS #368289 · America's Mortgage Solutions, NMLS #2009420. Licensed in Florida, Georgia, Michigan and Colorado. This page is educational and not a commitment to lend; program details change — ask for current figures. Equal Housing Opportunity.