TCPA Consent, Privacy & CONSENT FOR SMS/TEXTING

Notwithstanding any current or prior election to opt in or opt out of receiving telemarketing calls or SMS messages (including text messages) from us, our agents, representatives, affiliates, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your loan and/or account, at any telephone number, or physical or electronic address you provide or at which you may be reached.

You agree we may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system, ringless voicemail system or an automatic texting system.

Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text.

You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your application, loan and/or account.

You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted and consent to receive calls at each of the telephone numbers you have provided to us.

You agree to promptly alert us whenever you stop using a particular telephone number.
Your cellular or mobile telephone provider will charge you according to the type of plan you carry.

You also agree that we may contact you by e-mail, using any email address you have provided to us or that you provide to us in the future.

We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for quality monitoring purposes.

To ensure that consumer’s inquiries are handled promptly, courteously, and accurately, some of the phone calls between you and us or any of our affiliates, agents, assigns and service providers, may be monitored and recorded by us and any of our affiliates, agents, assigns and service providers, to enhance service to you. You consent to this monitoring and recording. You agree that Christian Penner and/or The Christian Penner Mortgage Team (“us”, “we”, or “our”) may from time to time make calls and/or send text messages to you at any telephone number associated with your account, including wireless telephone numbers that could result in charges to you. The manner in which these calls or text messages are made to you may include, but is not limited to, the use of prerecorded/artificial voice messages and/or automatic telephone dialing system. You further agree that Christian Penner and/or The Christian Penner Mortgage Team (“us”, “we”, or “our”) may send e-mails to you at any e-mail address you provide us or use other electronic means of communication to the extent permitted by law. Consent may be revoked at any time and by any reasonable means.

CONSENT FOR SMS/TEXTING

If a mobile number is provided, we may text you, via one-to-one to cell phones, using group text application or through office lines or online phone systems using Ringcentral, SMS 360, SMS Magic, Jungo, Salesforce or any other type of automated SMS Text messaging platform either via one-one or as a mass SMS Text to multiple mobile numbers at one time information about your application or loan either as a lead or a loan in process before, during and/or after your mortgage loan the transaction is closed and/or funded.  You also agree to receive updates about Market updates and from time to time as well as follow up SMS/Text messages concerning but not limited to any type of Marketing information, industry updates, Mortgage review follow ups, Holiday Announcement, Note Card follow ups and requests to refer our services.  Christian Penner and/or The Christian Penner Mortgage Team (“us”, “we”, or “our”)does not charge to send or receive text messages as part of our application process. However, messages and data rates may apply. Please consult with your wireless carrier for applicable text messaging fees.

Once your mobile device has been activated, you may reply STOP to to opt-out of the service or call 561-316-6800. We will only send you updates on the status of your application. To request additional information, text HELP to the message you receive or contact us by telephone at 561-316-6800.

Supported mobile service providers include: Alltel (part of Verizon), Appalacian Wireless, AT&T, Bluegrass Cellular, Boost Mobile, Cellcom, Cellular One from Dobson (part of AT&T), Cellular One of East Central Illinois, Cellular South, Centennial Wireless, Cincinnati Bell, Cox Wireless, Immix Wireless, Nextel (part of Sprint), nTelos Wireless, Revol Wireless, Sprint, T-Mobile, Unicel, US Cellular, Verizon Wireless, Virgin Mobile USA, West Central Wireless

We may modify or terminate our text messaging services from time to time, for any reason and without notice, including the right to terminate text messaging without notice, without liability to you, any other user or a third party. We reserve the right to modify these Terms of Use from time to time without notice. Please review these Terms of Use from time to time so that you are timely notified of any changes.

Additionally, you agree that we may send any SMS Statement Notifications through your communication service provider in order to deliver them to you. You agree to provide a valid mobile phone number for these services. You further agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fee) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. You obligation under this paragraph shall survive termination of the Agreement, SMS Statement Notification are provided for your convenience only.

Christian Penner Mortgage Team – West Palm Beach FL Mortgage Lenders and Mortgage Brokers
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Home Loans in Minutes!

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Helping you achieve the American Dream of home ownership.

We Specialize in All Types of Mortgage Loans: VA – FHA – USDA – Fannie/Freddie – Jumbo – Self Employed – Private Loans – Fix & Flip Loans & Reverse Mortgages.

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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.

If you are a Veteran and already have a VA loan that you want to refinance or you are looking to use your VA loan again find here what your benefits are: Click Here

You can find out in Minutes. Answer a few questions to get connected with a home loan specialist who can determine your eligibility.

Christian Penner

Your Local Branch Manager & 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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Your Local Branch Manager & Mortgage Lender That Also Has The Resources To Be A Mortgage Broker

About Me, My Family, The Mortgage Team & You

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Branch Manager | Mortgage Lender

Christian Penner Your Local Branch Manager and Mortgage Lender That Specializes In All Types Of Home Mortgage Loans: VA – FHA – USDA – Fannie/Freddie – Jumbo – Self Employed – Private Loans – Fix & Flip Loans & Reverse Mortgages

I am currently a Branch Manager with The Christian Penner Mortgage Team, A Division of Hamilton Group Funding, Inc. I have been in the Real Estate Lending Business since 1997. I Graduated from the University of Florida, in 1996, with a BS Degree in Business Administration with a Double Major in Business Finance and Real Estate. I have also graduated from the Todd Duncan Mortgage Productivity School and I am a Licensed Florida Mortgage Loan Originator: NMLS#368289.

About Me

I have lived in North Palm Beach County Since 1976, after moving from Cleveland Ohio. I started working for a Norwest Financial, a Sales Finance Company right out of college providing personal consumer loans, Sales Financial Loans, and Mortgage Loans. I Maintained being a Top 10% Producer throughout my career with the company. I then transferred to Norwest Mortgage which later became Wells Fargo Home Mortgage. Do to my success with Wells Fargo Home 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 different companies and Banks and I am now the the Manager of The Christian Penner Mortgage Team, a Division of Hamilton Group Funding.

About My Family

More important than 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 a little over a year apart. I really enjoy spending time with them and my wife when I am not working. We all enjoy boating, Golf, 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
Average Rating:
5.0
Full Star Full Star Full Star Full Star Full Star
Total Number of Reviews:
1
  • Full Star Full Star Full Star Full Star Full Star
    December 14, 2018
    Andrea, P
    The Christian Penner Mortgage is the best mortgage team, I have ever worked with! They have solutions for type of situation.
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We Specialize in All Types of Mortgage Loans: VA – FHA – USDA – Fannie/Freddie – Jumbo – Self Employed – Private Loans – Fix & Flip Loans & Reverse Mortgages

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