About
Christian Penner - Your Trusted Mortgage Broker
Real Estate & Marine Construction Partner
Founder of Americaβs Mortgage Solutions | Christian Penner P.A. | iRealEstateSearch.com | Dockside Builders
About Christian Penner
πContact Us Today: 561-373-0987 | Visit: AMS.Money
πWebsite: ChristianPenner.com
Letβs work together to achieve your real estate and financial goals while building wealth and securing your future. π
Since 1997, I have dedicated my career to helping clients achieve financial and real estate success through strategic mortgage financing, property solutions, and construction management. As a Mortgage Broker, Real Estate Professional, and Entrepreneur, I founded Americaβs Mortgage Solutions, Christian Penner P.A., and iRealEstateSearch.com at INLET Properties, and serve as an Equity Partner at Dockside Builders, which has been proudly operating since 1980.
Together, these companies provide a comprehensive network of services that connect financing, real estate, and marine construction under one trusted brand. We help clients buy, build, and invest with confidence.
My Background:
University of Florida graduate (1996) - BS in Business Administration with dual majors in Business Finance and Real Estate
Licensed Florida Mortgage Loan Originator (NMLS #368289)
Licensed Realtor (#SL63027502)
Our Mission and Commitment
Our mission is to make every mortgage loan, real estate investment, and property enhancement, including marine construction solutions such as seawalls, docks, and boat lifts a strategic part of your overall financial plan.
We are committed to helping clients minimize tax liability, maximize cash flow, and build long-term wealth through thoughtful financial planning and personalized lending strategies.
For more than three decades, we have specialized in all types of mortgage loans and real estate transactions. Our experienced team shares a single vision: to make every mortgage loan a cornerstone of your financial strategy.
By designing customized financing packages that align with both short-term and long-term goals, we transform traditional lending into a wealth-building tool. Our integrated approach combines mortgage financing, real estate, and construction expertise to create financial strategies that help families and businesses achieve lasting success.
Core Services
π‘ Residential Financing Solutions
We offer a complete suite of residential financing options designed to meet every borrowerβs needs, from first-time homebuyers to seasoned investors. Our approach combines flexible underwriting with access to over 5,000 residential lenders and 10,000 commercial lenders nationwide, ensuring the best possible terms and programs.
Programs include:
VA, FHA, USDA, and Conventional Loans
Jumbo and Reverse Mortgages
Self-Employed and Bank Statement Programs
No-Income and No-Ratio Primary Residence Loans
Investor DSCR, Bridge, Private, and Hard Money Loans
Fix & Flip and Fix & Rent Loan Programs
Condo and Condotel Financing (Primary, Second Home, and Investment)
New Construction and Existing Property Loans
Jumbo and Super Jumbo Loans up to $50 Million
Our rates are typically 0.25% lower than the market average because we shop extensively across a broad network of lenders. This allows us to tailor every loan to the clientβs unique financial profile and long-term goals. AMS.Money/Rates
Our rates are typically 0.25% lower than the market average because we shop extensively across a broad network of lenders. This allows us to tailor every loan to the clientβs unique financial profile and long-term goals. AMS.Money/Rates
π’ Commercial Real Estate Financing
Comprehensive business lending solutions:
Our commercial division provides comprehensive lending solutions for investors, developers, and business owners seeking to acquire, refinance, or develop income-producing properties.
Owner-occupied and Investment properties ($50K-$500M)
SBA loans and Workforce Housing
Surety Bond Loans for New Construction
Spec Home, Builder, and Developer Loans
Business Purpose Loans for Accounts Receivable, Inventory, and Cash Flow
Ground-up construction and Bridge loans
Medical and Dental practice financing (up to $20M)
Sale-leasebacks and Surety Bonds
Equipment leasing and business cash flow loans
We structure each commercial loan strategically to maximize leverage, preserve liquidity, and support long-term business growth.
β Marine Construction & Disaster Recovery
Through Dockside Builders, a trusted Florida marine construction company in operation since 1980, we deliver expert craftsmanship and rapid-response recovery services to waterfront homeowners, developers, and municipalities.
Dockside Builders specializes in:
Custom docks, seawalls, and boat lifts
Storm damage cleanup and debris removal
Heavy-duty grapple truck services
Rapid emergency response
Our goal is to protect and enhance Floridaβs coastal properties with durable, high-quality infrastructure while ensuring fast, reliable service when disasters strike.
π Specialty Financing
We offer tailored financing programs for clients who invest in luxury assets, from marine and aviation to automotive and recreational.
Luxury financing for:
Yachts and watercraft
Aircraft and aviation
RVs and recreational vehicles
Exotic and luxury automobiles
Solar options for your home or Business
Whether youβre upgrading your lifestyle assets or managing them through a business entity, our team structures financing with competitive rates and flexible terms.
π‘ Real Estate Solutions and Development
Through iRealEstateSearch.com at INLET Properties, our real estate division helps clients buy, sell, and develop properties across Florida. We manage transactions ranging from single-family homes to large mixed-use developments.
Full-service real estate division offering acquisition, sales, and development management for residential and commercial properties across Florida.
Expertise in luxury, waterfront, and investment properties including single-family homes, multi-family units, and mixed-use developments.
Strategic partnerships with modular and smart-home construction companies delivering faster, cost-efficient, and sustainable builds.
Development and project management for large-scale communities exceeding 400 condo and townhome units.
Specialization in high-end smart homes and custom estates over 10,000 square feet, designed with next-generation automation and energy efficiency.
End-to-end coordination from land acquisition and permitting to design, financing, and completion.
Access to off-market properties and exclusive builder-direct inventory for investors and homebuyers.
Integration with Americaβs Mortgage Solutions to provide tailored financing options for every stage of the build or purchase process.
Collaboration with Dockside Builders for marine and waterfront development including docks, lifts, and seawalls.
A true turnkey model that combines real estate, financing, and construction to deliver a seamless, high-quality client experience.
This integrated model combines real estate, financing, and construction expertise to create a streamlined, turnkey experience for clients who value both quality and efficiency.
We Are Your One-Stop Brokerage for Tailored Financial and Real Estate Solutions
Our network unites every aspect of property ownership, financing, and wealth-building under one trusted platform.
Core Areas of Expertise:
Residential and Commercial Mortgage Financing
Real Estate Acquisition and Sales
Development and Construction Financing
Luxury Asset and Specialty Vehicle Lending
Roof and Solar Financing Packages
Homeowners and Commercial Insurance
Business and Medical Practice Financing
Equipment Leasing and Manufacturing Loans
Sale-Leaseback and Fractional Ownership Programs
Marine Construction and Rapid Recovery through Dockside Builders
We are committed to delivering exceptional service, precision, and value across every division we operate. From the first conversation to closing and beyond, our mission is to help every client achieve long-term success, security, and prosperity.
Why Choose Our Team?
Competitive Advantage:
Access to 5,000+ residential lenders and 10,000+ commercial lenders
Rates typically 0.25% better than market average
One-stop solution for all your financial and real estate needs
Personal oversight of every transaction from start to finish
Our Commitment: We don't just complete transactionsβwe build lifelong relationships. Our "Client for Life" philosophy means you'll always receive priority service, ongoing support, and expert guidance for future financial decisions at every stage of your financial journey.
We are committed to transparency, communication, and excellence in every interaction, ensuring your experience is seamless, strategic, and built to last.
Essential Resources & Tools
π Market Intelligence
Check Your Home Value: HomeBot Valuation Tool
Market Insights: HomeBot Dashboard
Rate Trends: Current Rate Ranges
π Property Search
Home Search: iRealEstateSearch.com
Off-Market Properties: Exclusive Listings
Advanced Search: Detailed Property Filters
π Educational Content
KCM Video Blog: Market Updates
Real Estate News: Industry Insights
All Resources: Complete Link Directory
Client Testimonials
Our clients consistently rate us 5 stars for our expertise, communication, and results:
βββββ America's Mortgage Solutions: Read Reviews
βββββ Christian Penner PA: Read Reviews
Ready to Get Started?
Primary Actions:
ποΈ Schedule Your Free Consultation π Apply Online Now
Contact:
Direct Line: 561-316-7544 | 561-316-6800 Office
Text/Mobile: 561-373-0987
Email: [email protected]
Additional Resources:
Service Level Agreement: Our Commitments
Complete Link Directory: All Resources
Business Financial Services: Commercial Solutions
Whether you're buying your first home, expanding your investment portfolio, building your dream waterfront property, or recovering from storm damageβwe have the expertise, resources, and commitment to help you achieve your goals. Let's build your financial future together!
π Your Trusted Mortgage, Real Estate, Marine Construction & Disaster Recovery Expert Since 1997! π
Iβm Christian PennerβMortgage Broker π¦, Real Estate Expert π‘, & Entrepreneur πβleading Americaβs Mortgage Solutions π°, iRealEstateSearch.com π, (CPN) Christian Penner Network, & Dockside Builders ποΈ. Whether youβre buying π‘, selling π, refinancing π³, investing πΉ, running a business πΌ, or need a new seawall ποΈ, dock π, or boat lift β΅πΌ, weβve got you covered!, πͺοΈβ‘π₯ Storm Damage, Fallen Debris π, Weβre Ready to Help! ποΈπ¨πͺ Fast Response | Expert Cleanup | Heavy-Duty Equipment πβ³, π‘π° We make financing Fast & Easy! Call anytime: π 561-316-6800 π
π Comprehensive Services for All Your Real Estate, Financing & Disaster Recovery Needs! Whether youβre looking for financing π° or to BUY π‘, SELL π, LEASE π, INVEST πΉ, or BUILD your DREAM HOME ποΈ or OFFICE π’, weβve got you covered! From residential properties ποΈ to commercial real estate & development ποΈπ¬, we provide expert solutions tailored to your needs. Enhance your waterfront property with custom docks π, seawalls ποΈ, and boat lifts β΅πΌ. Need disaster cleanup? Our heavy-duty grapple trucks ππ₯π οΈ are ready for storm damage πͺοΈβ‘π₯, fallen debris removal ποΈπ²π¨, and rapid response cleanup πͺπβ³. We also specialize in luxury financing for yachts π₯οΈ, aircrafts βοΈ, RVs π, and exotic cars π. Looking for insurance & financial solutions? We offer homeowners & commercial insurance, life insurance, estate planning, and access to top real estate attorneys, CPAs, and financial advisors π. Call us TODAY πβour team of experts is ready to help you make CONFIDENT decisions π₯πΌ, no matter your NEED π― or GOAL π!
π‘ποΈ AMS Mortgage Solutions & The Christian Penner Network π¦π
π‘ Mortgage, Business & Real Estate Solutionsπ
π Christian Penner's LinkTree: https://AMS.Money/CPLinkTree
π Christian Penner Personal Site: https://AMS.Money/ChristianPenner
π¦ Mortgage Solutions: https://AMS.Money/Mortgage
πΌ Business Financial Services: https://AMS.Money/BFS
π Apply Online Here: ππ https://ChristianPennersLoanApp.com
π° Loan Products & Mortgage Options: https://AMS.Money/LoanProducts
π Helpful Resources & Websites: https://AMS.Money/Resources&Websites
ποΈ Real Estate Solutions & Services: https://AMS.Money/RealEstate
π Rate Ranges & Trends: https://AMS.Money/RateRanges
βοΈ Service Level Agreement (SLA): https://AMS.Money/SLA
π HomeBot Home Valuation & Market Insightsπ‘
π‘ Check Your Home Value: https://AMS.Money/CheckYourHomeValue
π HomeBot β Market & Equity Insights: https://AMS.Money/HomeBot
π HomeBot Real Estate Data: https://AMS.Money/HBRE
π HomeBot Dashboard: https://AMS.Money/HomeBot
π° Check Your Home Value: https://AMS.Money/CheckYourHomeValue
π Search Homes on HomeBot: https://AMS.Money/SearchHomesOnHomeBot
π² HomeBot App: https://AMS.Money/HomeBotApp
π± HomeBot iPhone App: https://AMS.Money/HomeBotiPhoneApp
π³ HomeBot Android App: https://AMS.Money/HomeBotGooglePlay
π₯ KCM Video Blog β Market Updates: https://AMS.Money/KCMVideoBlog
π° KCM Blog β Real Estate News & Trends: https://AMS.Money/KCMBlog
Real Estate Search & Listings π‘π
π Home Search: https://iRealEstateSearch.com/Search
π‘ Homes for Sale: https://iRealEstateSearch.com/Homes
π Advanced Search: https://iRealEstateSearch.com/Advanced
π Off-Market Homes: https://iRealEstateSearch.com/OffMarket
π° Buy, Sell & Get Value: https://iRealEstateSearch.com/BuySellGetValue
π πDockside Builders: Rapid & Reliable Disaster Cleanup with Heavy-Duty Grapple Trucks! πͺοΈβ‘
π₯ Storm Damage? Fallen Debris? Weβve Got You Covered! ποΈπ²π¨
πͺ Fast Response | Expert Cleanup | Heavy-Duty Equipment πβ³
π Dockside Builders: https://AMS.Money/DocksideBuilders π
π οΈ Disaster Cleanup: https://AMS.Money/Strom&DisasterCleanUp ποΈ
π
Calendars & Scheduling π
β³
Call me at 561-316-7544 or book a spot: https://AMS.Money/Calendar
π‘ Residential & Commercial Financing Solutions π°
πΉ Residential Loans: VA | FHA | USDA | Conventional | Reverse Mortgages | Jumbo | Self-Employed | Bank Statement | No Ratio | No Income Primary Residence | Investor DSCR | Bridge | Hard Money | Fix & Flip | Condo & Condotel | Loans up to $50M+
π Interest Rate Trends: AMS.Money/RateRanges β We offer 0.25% better rates than the average by shopping 250+ residential & 10,000+ commercial lenders.
π’ Commercial Loans: Owner-Occupied & Investor Loans $50K-$500M | SBA | Workforce Housing | Ground-Up New Construction | Bridge | Business Loans for A/R, Inventory, or Cash Flow | Medical & Dental Financing up to $20M | Sale-Leasebacks | Surety Bonds
π One-Stop Brokerage for Tailored Financing & Real Estate Solutions: Residential & Commercial Mortgage Financing | Yachts π₯οΈ | Aircraft βοΈ | RVs π | Exotic Cars π | Roof & Solar | Equipment Leasing | Healthcare & Pharma | DocksideBuilders.com πποΈ Seawalls | Docks | Boat Lifts | Disaster Cleanup | Grapple Trucks ππ₯
π Search Real Estate & Foreclosures: iRealEstateSearch.com/Homes | iRealEstateSearch.com/Search | iRealEstateSearch.com/OffMarket | iRealEstateSearch.com/Advanced | iRealEstateSearch.com/BuySellGetValue
We take pride in delivering top-tier mortgage and real estate services to our clients. Check out what others are saying about us!
π Americaβs Mortgage Solutions Reviews: πAMS.MONEY/AMSGoogle
https://g.co/kgs/2XGmLn
π Christian Penner PA Reviews: π Christian Penner PA
https://g.co/kgs/YQgKo7
π Call today for expert guidance! π
Meet Christian Penner PA, CMA, Realtor, Mortgage Advisor, and Founder of
Americaβs Mortgage Solutions
Welcome! Iβm Christian Penner, a dedicated professional with experience since 1997, in real estate and mortgage lending. My mission is to help buyers π‘, sellers π, and investors πΉ achieve their real estate and financial goals with confidence and ease.
We Specialize in All Types of Mortgage Loans and Real Estate Deals Since 1997: AMS.Money/LoanProducts | AMS.Money/CPLinkTree AMS.Money/Resources&Websites | AMS.Money/CheckYourHomeValue AMS.Money/HomeBot | AMS.Money/KCMVideoBlog | AMS.Money/KCMBlog
Call me at 561-316-7544 or book a spot: https://AMS.Money/Calendar Save these links for a list of our Products, Programs, Social Media, Resource Links, Websites & Keeping Current Matters:AMS.Money/Resources&Websites
AMS.Money/KCMVideoBlog | AMS.Money/KCMBlog
Search Real Estate Properties & Foreclosure Deals: https://iRealEstateSearch.com/Homes | https://iRealEstateSearch.com/OffMarket | https://iRealEstateSearch.com/BuySellGetValue
As the founder of Americaβs Mortgage Solutions and iRealEstateSearch.com
I offer comprehensive services that go beyond the transaction. Whether youβre purchasing your first home, selling a luxury property, investing in real estate, or exploring commercial opportunities, Iβm here to provide expert guidance every step of the way.
My Background
I hold a BS in Business Administration from the University of Florida, with a double major inBusiness Finance and Real Estate. My career began in consumer finance, where I quickly became a top producer, later transitioning to real estate lending. I managed and opened a
a Wells Fargo Branch and several other banks and institution like JP Morgan Chase, National City, PNC which helped me in gaining extensive knowledge of the mortgage industry, before founding Americaβs Mortgage Solutions. Originally from Cleveland, Ohio, Iβve lived in North Palm Beach County since 1976. My wife and I first met in middle school, reconnected after college, and have been married since 2003. We have two amazing children, and as a family, we enjoy boating π₯οΈ, golfing β³, and traveling βοΈ.
What I Offer:
Real Estate Expertise
From luxury homes and waterfront properties to investment opportunities and commercial real estate, I specialize in helping clients navigate all aspects of the real estate market.
Mortgage Solutions
As a Certified Mortgage Advisor and Licensed Mortgage Loan Originator (NMLS#368289), I bring a unique perspective to the real estate process.
My expertise includes:
Residential Loans:
FHA, VA, Jumbo, Reverse Mortgages, DSCR Loans, and more.
Commercial Loans:
From $50,000 to $500M+ for investment properties, mixed-use developments, and SBA loans.
Luxury Financing: Yachts, aircraft, RVs, and exotic cars.
With access to over 250 residential lenders and 10,000 commercial programs, I ensure competitive rates and tailored solutions for every client.
Why Choose Me?
π Experience You Can TrustWith over two decades in the industry, Iβve navigated market highs π and lows π, providing clients with expert advice and solutions.π₯ Client-Centered ApproachYour goals are my priority. Whether youβre buying, selling, or investing, Iβm committed to delivering a smooth and stress-free experience.π£ Innovative MarketingFor sellers, I utilize advanced strategies like professional photography, virtual tours, and targeted online advertising to ensure properties attract the right buyers.πΌ Comprehensive ServicesI provide guidance on financing, insurance, estate planning, and more, collaborating with a network of trusted professionals, including real estate attorneys, CPAs, and financial advisors.
Areas of Expertise:
Luxury Real Estate
Waterfront estates π, custom homes ποΈ, and exclusive communities.
Residential Sales
First-time buyers, upsizing, downsizing, and relocations.
Investment Properties
Rental properties π’, fix-and-flip projects π¨, and long-term investments.
Commercial Real Estate
Office buildings π’, mixed-use developments, and more.
Specialized Services
Custom docks, seawalls, and waterfront property enhancements.
Letβs Work Together
to achieve your real estate goals and secure your financial future. ππ Comprehensive Services for All Your Real Estate Needs π Whether youβre looking for financing π° or to BUY π‘, SELL π, LEASE π, INVEST πΉ or BUILD YOUR DREAM HOME ποΈ or OFFICE π’ on Residential Properties ποΈ, or even waterfront features like custom docks π or seawalls ποΈ to enhance and protect your property, weβve got you covered! Commercial Real Estate π¬, or Development Commercial Real Estate ποΈ, Yachts π₯οΈ, Aircrafts βοΈ, RVs π, or Exotic Cars πor if you need any type of insurance for any of the items mentioned above or Life Insurance, Estate Planning, or need advice from a Real Estate Attorney, CPA, Financial Advisor β call us TODAY π because we have a team of experts to help you at any stage of your life. No matter the NEED π― or GOAL π β letβs make CONFIDENT decisions together π₯πΌ.
Contact Information
πPhone: 561-373-0987
πWebsite:
ChristianPenner.com
Letβs work together to achieve your real estate and financial goals while building wealth and securing your future. π
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