The programs we offer, with straight answers for buyers in South Florida.
Not sure which loan fits? Most buyers start with a first-time home buyer, FHA, or conventional loan, then run the numbers with the affordability calculator and see which South Florida community fits your budget.
Christian Penner grew up in North Palm Beach and has been walking first-time buyers to the closing table since 1997. We'll map your down payment options, your budget, and your path — even if that path takes a plan over time.
Credit still healing? Savings still growing? FHA was built for exactly that — and America's Mortgage Solutions has been finding FHA paths for Palm Beach County buyers other lenders turned away since 1997.
Zero down, no monthly mortgage insurance, and a Palm Beach County team that treats your VA benefit with the care it deserves — from first conversation to keys.
The most flexible mainstream mortgage there is — and the one with the most levers. Christian Penner's finance background and nearly three decades of structuring put every one of them to work for you.
Drive west past the malls and Palm Beach County changes — acreage, equestrian land, and communities where a USDA loan can mean buying with nothing down. We'll check your address in minutes.
Waterfront in Jupiter, an estate in Palm Beach Gardens, a tower residence on the Intracoastal — when the loan outgrows conforming limits, you need deeper lender access and a structurer who's done this since 1997.
Teachers, nurses, first responders, working families — Florida assistance programs can put real money toward your down payment and closing costs. We track them so you don't have to.
Zero-to-low down, no PMI, and student loans counted sensibly — purpose-built financing for doctors joining Palm Beach County's hospitals and practices, from residency to partnership.
You built the business. Your CPA minimized the taxes. Now the bank says you don't earn enough — we've been solving exactly that for South Florida entrepreneurs since 1997.
South Florida rentals financed on their own cash flow — close in an LLC, skip the income docs, and scale the portfolio. Structured by a team that's worked with investors and developers since 1997.
Litigation, thin reserves, too many rentals — South Florida buildings fail agency review constantly. We finance the units other lenders walk away from, with portfolio programs built for exactly this.
Lower the payment, pull equity, drop mortgage insurance, change the term — a refinance is a tool, not a reflex. Since 1997, Christian Penner tells Palm Beach County homeowners the truth about whether theirs pencils.
South Florida equity can fund the renovation, the pool, the dock, or the debt payoff — through a second-lien loan or line that leaves your existing mortgage exactly as it is.
Two years of reduced payments, funded at closing and negotiated into the deal. A structuring tool Christian Penner has used for South Florida buyers when the math genuinely favors it.
HECM and jumbo reverse mortgages that let you tap your equity without a required monthly mortgage payment.
Ground-up, builder, and spec-home construction financing structured for the way projects actually get built.
Roll renovation costs into your purchase or refinance so you can transform a house into the home you want.
Office, retail, multifamily, mixed-use, and industrial financing, including SBA and owner-occupied options.
Bank statement, asset depletion, P&L, 1099, and no-ratio loans for borrowers banks turn away.
Financing for foreign nationals and ITIN borrowers who want to own real estate here.
Bridge and private-money loans that close quickly when timing beats everything.
Purchase-plus-rehab financing for investors, with blanket and cross-collateralized options to scale.
Super jumbo lending for luxury and high-value properties beyond standard jumbo limits.
Flexible financing for improvements, upgrades, and contractor-led projects of every kind.
Fund roof replacement and storm damage repair without draining your savings.
Fund a solar installation and put South Florida's sunshine to work.
Fund a new swimming pool and make the most of the South Florida lifestyle.
Fund heating and cooling replacement so your home stays comfortable year-round.
Fund dock construction and repair so you can make the most of waterfront living.
Protect your waterfront property with financing built for marine construction.
Fund a new boat lift and protect your vessel with marine-savvy financing.
Yachts, aircraft, exotic and RV vehicles, equipment, ADUs, barndominiums, and other specialty assets.
Compare scenarios with our mortgage calculators, or see local programs and loan limits for your South Florida town.