Home Mortgage Loans. Insider Mortgage Reports. Homes for Heroes.

Helping you achieve the American Dream of home ownership.

Our Mission is to Help our Local Heroes, that include our Military (Active, Reserve & Veterans), Firefighters, EMS, law Enforcement, Healthcare Professionals and Teachers, to Buy a Home.

We have access to the best programs for first-time home buyers, second home buyers and investment buyers. We have special programs for first-time home buyers that can get you a IRS tax credit up $2,000 a year and/or up to $10,000 for a downpayment and/or closing costs. Find out right now what you are eligible for and click here or call us directly on our Mortgage Loan Approval Hotline at 561-316-6800.

Christian Penner

Your local branch manager and mortgage lender that specializes in all types of home mortgage loans.

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Monthly Mortgage Payment

This calculator will compute your Total Monthly Mortgage Payment. Your monthly payment will include principal and interest and an escrow account for property taxes and homeowners insurance.

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Monthly Payment Amortization

This calculator will compute your Monthly Payment, the Total Interest you will pay over the term of the loan plus the total amount you will actually pay for borrowing the money.

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What Size Loan Can I Qualify For?

This calculator will help you determine the maximum loan you may be able to qualify for. Please note that these figures are guidelines only.

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Should I Refinance?

This calculator will show if refinancing your current mortgage is appropriate by taking your current Monthly Payment and Total Interest and comparing it to your Refinancing Savings.

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Buying vs Renting Comparison

This calculator will assist you in deciding whether it is better to rent or purchase a home. This is done by computing the costs of renting versus the costs of buying a home.

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How Much Of My Payment Is Interest vs Principal?

For the first years of your mortgage, most of your mortgage payment is going to pay interest and very little is going to actual principal. This calculator will help you to determine the principal and interest breakdown on any given payment number.

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How To Pay Off My Mortgage Early

You can pay off your existing mortgage sooner than it due date by simply applying additional payments to your principal balance. This calculator will show how the additional monthly payment will help you to pay off your current mortgage within a specified number of years.

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Want to know what your home is worth?

Your local branch manager

About me

Christian is currently a Branch Manager and Mortgage Lender. He has been in the Real Estate Lending Business for over 17 years. He Graduated from the University of Florida with a BS degree in Business Administration with a double major in Business Finance and Real Estate. Christian has graduated from the Todd Duncan Mortgage Productivity School and he is a Licensed Florida Branch Manager: NMLS#368289.

I have been a resident of Palm Beach County Since 1976. I left Palm Beach to attend college and I graduated College from The University Of Florida in 1996. I started working for a Norwest Financial providing personal consumer loans, Sales Financial Loans, and Mortgage Loans. I became a top Producer maintaining my position in the Top 10% throughout my career with the company.

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Branch Manager

Christian Penner Your Local Branch Manager and Mortgage Lender That Specializes In All Types Of Home Mortgage Loans

Christian is currently a Branch Manager and Mortgage Lender. He has been in the Real Estate Lending Business for over 20 years. He Graduated from University of Florida with a BS degree in Business Administration with a double major in Business Finance and Real Estate. Christian has graduated from the Todd Duncan Mortgage Productivity School and he is a Licensed Florida Branch Manager: NMLS#368289.

About Me
I have been a resident of Palm Beach County Since 1976. I left Palm Beach to attend college and I graduated College from The University Of Florida in 1996. I started working for a Norwest Financial providing personal consumer loans, Sales Financial Loans and Mortgage Loans. I became a top Producer maintaining my position in the Top 10% throughout my career with the company. I then transferred to Norwest Mortgage which later became Wells Fargo Home Mortgage. Do to my success with Norwest Mortgage, I opened and Managed a Wells Fargo Branch office, in Jupiter FL until 2004. Since then I have been a Producing Branch Manager for a few other companies for the last 15+ years.

About My Family
More important then my profession is my family. I originally met my wife when I was in the 6th grade, at a Church Youth Group, but we did not actually start a relationship until after we both graduated from College. We have been married since 2003 and we have two amazing children. My son is named after me and my daughter’s name is Brooke and they are about 2 years apart. I really enjoy spending time with them and my wife when I am not working. We all enjoy boating, going on vacations and enjoying time together at our house in the pool. I also try to stay involved when they are playing soccer, flag football, baseball and martial arts.

Our Goals For You
Our goal for you is to help you to minimize your tax liability and maximize your cash flow. In today’s market a mortgage loan is more than ever a financial instrument that must be tied into your long and short term personal financial plan. This will allow you to create a debt strategy that will help you to build long term wealth for you and your family.

The Mortgage Team
We are privileged and Fortunate to have a very experienced Mortgage Team of Professionals that share the same vision. Our intention is to impress upon you the importance of making your mortgage a pivotal component to your overall financial planning strategy. Our goal is to custom fit you with the best overall financing package by, integrating the financing you select with your long and short-term financial and investment goals, which are coupled with your payment and equity objectives.

Throughout the process of your transaction you will be dealing with our entire team at various stages during the loan process. You quest for a new home loan begins with my Intake Team. They will be responsible for working closely from start to finish, answering questions and gathering all the necessary documents for Processing.

Our Processing Team are responsible for the Underwriting Stage, Loan Approval Stage, Cleared to Close Stage and the Closed Stage.

Our Team will stay in touch with you throughout the process, before, during and after your closing. As your Personal Loan Consultant, I will oversee every stage of the process. It is our goal to make the mortgage Loan Process the best part of your home buying experience you will ever have.

We want more then to just earn your business; we want to make you part of our family. Rest assured that with our “Client For Life” commitment, You will always be our #1 priority. We surely hope that you will refer us to all your friends, Family and co-workers!

For Business Partners
Christian works with several referral partners including Realtors, Real Estate Attorney’s, CPA’s, Financial Advisors, Insurance Professionals, Developers and Builders. He is a visionary and his goal is to facilitate and empower you to reach your Marketing & Business goals! I have incorporated multiple cutting edge sales strategies, for his Referral Partners, that include that include lead generation systems using Social Media Technology through Live Streaming using Facebook Live, FaceBook Messenger Bots, Facebook Ads, CRM’s, Facebook Business Pages, Google + For Business, Google Adwords, , WordPress, Video Marketing, Webinars, Single Property Websites, Craig’s List, Squeeze Pages, Blogging, Text to Voice Technology, QR Codes and Post Closing Marketing Campaigns with co-branding.

Testimonials & Reviews

What my clients say about my service

  • Christian and his team not only helped us purchase our beautiful home but a year later helped us refinance and save hundreds of dollars a month with no out-of-pocket costs for us! To Christian, Mary and the rest of the team: THANK YOU!!!!!

    Bret G
    Bret G Palm Beach, FL
  • Knowledgeable and helpful. Christian's team got the job done and we closed on a great home and got a good rate.

    Jeffrey H.
    Jeffrey H. Vienna, Austria
  • Christian Penner is the best mortgage lender I have ever worked with. He really helped me out and he was able to get my mortgage closed on time! So If you are looking for a great mortgage team then you need to call Christian Penner!

    Joshua B.
    Joshua B. Palm Beach, FL

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