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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

Christian Penner is a Residential and Commercial Mortgage Broker, Real Estate Professional, and Entrepreneur with nearly three decades of experience in financing, real estate, and construction-focused strategy. Since 1997, he has worked with individuals, families, investors, and business owners to structure smart, long-term solutions for property acquisition, development, and capital planning.

He is the Founder of America’s Mortgage Solutions, Christian Penner P.A., and iRealEstateSearch.com, and an Equity Partner at Dockside Builders, a Florida-based marine construction company operating since 1980. Together, these companies form an integrated platform that connects financing, real estate, and construction under one trusted umbrella.

Christian’s approach is rooted in strategy, not transactions. Every mortgage, property purchase, development project, or construction decision is treated as part of a broader financial plan designed to preserve liquidity, manage risk, and build long-term wealth.

He earned a Bachelor of Science in Business Administration from the University of Florida, with dual majors in Business Finance and Real Estate. He is a licensed Florida Mortgage Loan Originator (NMLS #368289) and a licensed Florida REALTOR® (#SL63027502).

Mortgage & Financing Expertise

Christian provides comprehensive residential and commercial financing solutions, including:

Residential mortgage programs such as VA, FHA, USDA, Conventional, Jumbo and Super Jumbo loans up to $50 million, reverse and jumbo reverse mortgages, self-employed and bank statement loans, investor DSCR financing, bridge loans, private and hard money lending, fix-and-flip and fix-and-rent programs, condo and condotel financing, and specialized primary residence options.

Commercial real estate financing for owner-occupied and investment properties ranging from $50,000 to $500 million, including SBA loans, workforce housing, ground-up construction, bridge financing, medical and dental practice loans up to $20 million, sale-leasebacks, equipment leasing, surety bonds, and business-purpose lending for cash flow, inventory, and accounts receivable.

Through access to a national network of more than 5,000 residential lenders and over 10,000 commercial lenders, Christian is able to structure highly competitive terms and often secure rates approximately 0.25% better than market averages.

Real Estate, Construction & Specialized Services

Through iRealEstateSearch.com and affiliated partners, Christian assists clients with residential and commercial acquisitions and sales, waterfront and luxury properties, investment portfolios, mixed-use developments, and large-scale projects. His team provides end-to-end coordination from land acquisition through completion, aligning financing, construction, and long-term planning into one streamlined process.

Through Dockside Builders, services include custom docks, seawalls, and boat lifts, storm damage cleanup, debris removal, heavy-duty grapple truck services, and rapid emergency response for homeowners, commercial properties, and municipalities.

Additional specialty and luxury financing solutions include yacht and marine lending, aircraft and aviation financing, RV and specialty vehicle loans, collector and exotic automobile financing, and roof and solar financing programs.

Philosophy

Clients work with Christian because they want clarity, structure, and personal oversight—not a transactional experience. Every engagement is handled with direct involvement, strategic planning, and a long-term mindset.

The philosophy is simple: Client for Life.

Guidance is provided before, during, and long after closing, ensuring that every decision supports sustainable growth and financial confidence.

📞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. 🚀

Meet Christian Penner PA, CMA, Realtor, Mortgage Advisor, and Founder of

America’s Mortgage Solutions

and iRealEstateSearch.com

Welcome! I’m Christian Penner, a dedicated professional with experience since 1997, in real estate and mortgage lending. My mission is to help buyers 🏡, sellers 🔄, and investors 💹 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 America’s Mortgage Solutions and iRealEstateSearch.com

I offer comprehensive services that go beyond the transaction. Whether you’re purchasing your first home, selling a luxury property, investing in real estate, or exploring commercial opportunities, I’m 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 America’s Mortgage Solutions. Originally from Cleveland, Ohio, I’ve 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 🛥️, golfing ⛳, and traveling ✈️.

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?

🔑 Experience You Can TrustWith over two decades in the industry, I’ve navigated market highs 📈 and lows 📉, providing clients with expert advice and solutions.👥 Client-Centered ApproachYour goals are my priority. Whether you’re buying, selling, or investing, I’m committed to delivering a smooth and stress-free experience.📣 Innovative MarketingFor sellers, I utilize advanced strategies like professional photography, virtual tours, and targeted online advertising to ensure properties attract the right buyers.💼 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 🌊, custom homes 🏘️, and exclusive communities.

Residential Sales

First-time buyers, upsizing, downsizing, and relocations.

Investment Properties

Rental properties 🏢, fix-and-flip projects 🔨, and long-term investments.

Commercial Real Estate

Office buildings 🏢, mixed-use developments, and more.

Specialized Services

Custom docks, seawalls, and waterfront property enhancements.

Let’s Work Together

to achieve your real estate goals and secure your financial future. 🚀🔍 Comprehensive Services for All Your Real Estate Needs 🔍 Whether you’re looking for financing 💰 or to BUY 🏡, SELL 🔄, LEASE 📝, INVEST 💹 or BUILD YOUR DREAM HOME 🏗️ or OFFICE 🏢 on Residential Properties 🏘️, or even waterfront features like custom docks 🌊 or seawalls 🏗️ to enhance and protect your property, we’ve got you covered! Commercial Real Estate 🏬, or Development Commercial Real Estate 🏗️, Yachts 🛥️, Aircrafts ✈️, RVs 🚐, or Exotic Cars 🚗or 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 – call us TODAY 📞 because we have a team of experts to help you at any stage of your life. No matter the NEED 🎯 or GOAL 🏆 – let’s make CONFIDENT decisions together 👥💼.