About

Christian Penner - Residential & Commercial Mortgage Broker NMLS 368289 | Mortgage & Real Estate Industry Leader & Expert Since 1997! 

Founder of America’s Mortgage Solutions | Christian Penner P.A.  iRealEstateSearch.com | Dockside Builders | Marine Construction

President | CEO | Residential & Commercial 🏡🏢 Mortgage Broker & REALTOR® | Equity Partner Dockside Builders ⚓ TV Host 📺 | Mortgage & Real Estate Industry Leader ⭐ Real Estate Expert 🧠 | Innovator 💡 | Influencer 📣 | Coach 🧑‍🏫 Sales & Financing on Residential Properties & Investments 🏘 Commercial Real Estate & Developments 🏗 Certified Mortgage Advisor ✅ | Purchase / Refinance / Cash Out Loans 💰 Fannie/Freddie 🏛 | Conventional Loans | VA 🎖 | FHA 🏠 | USDA 🌾 Reverse Mortgages 🔄 | Jumbo Reverse Mortgages 💼 Self Employed Loans 👨‍💼 | Bank Statement Loans 🧾 Investor DSCR Loans 📊 | Private Hard Money Loans 🔐 Cross Collateralized Loans ➕ | Blank Mortgages 📝 Fix & Flip Loans 🛠 | No Ratio & No Income Primary Residence Loans 🚫📉 Jumbo & Super Jumbo Loans to $50M 💸 Yacht Loans ⛵ | Aircraft Loans ✈️ | RV Loans 🚐 Collector & Exotic Cars Loans 🚘 | Roof & Solar Financing ☀️🏠

About Christian Penner

📞Contact Us Today: 561-373-0987 | Visit: AMS.Money

🌐Website: ChristianPenner.com

Let’s work together to achieve your real estate and financial goals while building wealth and securing your future. 🚀

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 America’s 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

🏡 Residential Financing Solutions

We offer a complete suite of residential financing options designed to meet every borrower’s 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 client’s 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 client’s unique financial profile and long-term goals. AMS.Money/Rates

🏢 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.

⚓ 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 Florida’s coastal properties with durable, high-quality infrastructure while ensuring fast, reliable service when disasters strike.

🚗 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 you’re upgrading your lifestyle assets or managing them through a business entity, our team structures financing with competitive rates and flexible terms.

🏡 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 America’s 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 transactions—we 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

📊 Market Intelligence

Check Your Home Value: HomeBot Valuation Tool

Market Insights: HomeBot Dashboard

Rate Trends: Current Rate Ranges

🔍 Property Search

Home Search: iRealEstateSearch.com

Off-Market Properties: Exclusive Listings

Advanced Search: Detailed Property Filters

📚 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:

⭐⭐⭐⭐⭐ America's Mortgage Solutions: Read Reviews

⭐⭐⭐⭐⭐ Christian Penner PA: Read Reviews

Ready to Get Started?

Primary Actions:

🗓️ Schedule Your Free Consultation 📝 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 damage—we have the expertise, resources, and commitment to help you achieve your goals. Let's build your financial future together!

🌟 Your Trusted Mortgage, Real Estate, Marine Construction & Disaster Recovery Expert Since 1997! 🌟

I’m Christian Penner—Mortgage Broker 🏦, Real Estate Expert 🏡, & Entrepreneur 🚀—leading America’s Mortgage Solutions 💰, iRealEstateSearch.com 🔎, (CPN) Christian Penner Network, & Dockside Builders 🏗️. Whether you’re buying 🏡, selling 🔄, refinancing 💳, investing 💹, running a business 💼, or need a new seawall 🏗️, dock 🌊, or boat lift ⛵🔼, we’ve got you covered!, 🌪️⚡🔥 Storm Damage, Fallen Debris 🚛, We’re Ready to Help! 🏚️💨💪 Fast Response | Expert Cleanup | Heavy-Duty Equipment 🚜⏳, 🏡💰 We make financing Fast & Easy!
Call anytime: 📞 561-316-6800 🚀

🔍 Comprehensive Services for All Your Real Estate, Financing & Disaster Recovery Needs! Whether you’re looking for financing 💰 or to BUY 🏡, SELL 🔄, LEASE 📝, INVEST 💹, or BUILD your DREAM HOME 🏗️ or OFFICE 🏢, we’ve got you covered! From residential properties 🏘️ to commercial real estate & development 🏗️🏬, we provide expert solutions tailored to your needs. Enhance your waterfront property with custom docks 🌊, seawalls 🏗️, and boat lifts ⛵🔼. Need disaster cleanup? Our heavy-duty grapple trucks 🚛💥🛠️ are ready for storm damage 🌪️⚡🔥, fallen debris removal 🏚️🌲💨, and rapid response cleanup 💪🚜⏳. We also specialize in luxury financing for yachts 🛥️, aircrafts ✈️, RVs 🚐, and exotic cars 🚗. 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 📊. Call us TODAY 📞—our team of experts is ready to help you make CONFIDENT decisions 👥💼, no matter your NEED 🎯 or GOAL 🏆!

🏡🏘️ AMS Mortgage Solutions & The Christian Penner Network 🏦📈

🏡 Mortgage, Business & Real Estate Solutions📊

🌐 Christian Penner's LinkTree: https://AMS.Money/CPLinkTree

🌟 Christian Penner Personal Site: https://AMS.Money/ChristianPenner
🏦 Mortgage Solutions: https://AMS.Money/Mortgage
💼 Business Financial Services: https://AMS.Money/BFS
📝 Apply Online Here: 🚀👉 https://ChristianPennersLoanApp.com
💰 Loan Products & Mortgage Options: https://AMS.Money/LoanProducts
📚 Helpful Resources & Websites: https://AMS.Money/Resources&Websites
🏘️ Real Estate Solutions & Services: https://AMS.Money/RealEstate
📉 Rate Ranges & Trends: https://AMS.Money/RateRanges
⚖️ Service Level Agreement (SLA): https://AMS.Money/SLA

📊 HomeBot Home Valuation & Market Insights🏡

🏡 Check Your Home Value: https://AMS.Money/CheckYourHomeValue
📈 HomeBot – Market & Equity Insights: https://AMS.Money/HomeBot
📈 HomeBot Real Estate Data: https://AMS.Money/HBRE
🏠 HomeBot Dashboard: https://AMS.Money/HomeBot
💰 Check Your Home Value: https://AMS.Money/CheckYourHomeValue
🔎 Search Homes on HomeBot: https://AMS.Money/SearchHomesOnHomeBot
📲 HomeBot App: https://AMS.Money/HomeBotApp
📱 HomeBot iPhone App: https://AMS.Money/HomeBotiPhoneApp
📳 HomeBot Android App: https://AMS.Money/HomeBotGooglePlay
🎥 KCM Video Blog – Market Updates: https://AMS.Money/KCMVideoBlog
📰 KCM Blog – Real Estate News & Trends: https://AMS.Money/KCMBlog

Real Estate Search & Listings 🏡🔍
🔎 Home Search: https://iRealEstateSearch.com/Search
🏡 Homes for Sale: https://iRealEstateSearch.com/Homes
🚀 Advanced Search: https://iRealEstateSearch.com/Advanced
🔒 Off-Market Homes: https://iRealEstateSearch.com/OffMarket
💰 Buy, Sell & Get Value: https://iRealEstateSearch.com/BuySellGetValue

🚛 🌊Dockside Builders: Rapid & Reliable Disaster Cleanup with Heavy-Duty Grapple Trucks! 🌪️⚡
🔥 Storm Damage? Fallen Debris? We’ve Got You Covered! 🏚️🌲💨
💪 Fast Response | Expert Cleanup | Heavy-Duty Equipment 🚜⏳
🏠 Dockside Builders: https://AMS.Money/DocksideBuilders 🌊
🛠️ Disaster Cleanup: https://AMS.Money/Strom&DisasterCleanUp 🏗️

📅 Calendars & Scheduling 📅⏳
Call me at 561-316-7544 or book a spot: https://AMS.Money/Calendar 

🏡 Residential & Commercial Financing Solutions 💰

🔹 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+
📉 Interest Rate Trends: AMS.Money/RateRanges – We offer 0.25% better rates than the average by shopping 250+ residential & 10,000+ commercial lenders.

🏢 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

🚀 One-Stop Brokerage for Tailored Financing & Real Estate Solutions: Residential & Commercial Mortgage Financing | Yachts 🛥️ | Aircraft ✈️ | RVs 🚐 | Exotic Cars 🚗 | Roof & Solar | Equipment Leasing | Healthcare & Pharma | DocksideBuilders.com 🌊🏗️ Seawalls | Docks | Boat Lifts | Disaster Cleanup | Grapple Trucks 🚛💥

🔍 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!

📌 America’s Mortgage Solutions Reviews: 👉AMS.MONEY/AMSGoogle
https://g.co/kgs/2XGmLn

📌 Christian Penner PA Reviews: 👉 Christian Penner PA
https://g.co/kgs/YQgKo7

Dockside Builders Reviews: Dockside Builders
https://g.page/r/CXlBvo_PFk1yEAE/review

📞 Call today for expert guidance! 🚀