The Penner Mortgage Team

The Penner Mortgage Team Christian Penner 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.

06/14/2026

Summer Guides for Buying or Selling a Home: Your Complete Florida Summer Moving Guide
Planning a Move This Summer? Here’s Where to Start

If you’re thinking about moving this summer, you’re not alone. Summer remains one of the busiest seasons for people looking to buy or sell a home. School breaks, favorable weather, and increased housing activity make it an attractive time to make a move. But today’s housing market looks very different from what many buyers and sellers expected just a few years ago. Interest rates have shifted. Inventory levels are changing. Affordability challenges remain a concern. At the same time, new opportunities are emerging for both buyers and sellers across West Palm Beach, North Palm Beach, Wellington, and throughout Florida. That’s exactly why the new Summer Guides for Buying or Selling a Home were created. These comprehensive resources help buyers and sellers understand the realities of today’s market and provide actionable strategies for making informed decisions. Whether you’re a first-time homebuyer, a growing family looking for more space, a retiree downsizing, or a homeowner considering selling, these guides can help you navigate every step of the process with confidence.

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https://americasmortgagesolutions.com/summer-guides-for-buying-or-selling-a-home-your-complete-florida-summer-moving-guide/

06/09/2026

DSCR Loans in Florida: How Real Estate Investors Can Qualify Without Income Documentation

Are your tax returns making it difficult to qualify for an investment property loan?

Many Florida investors don't realize they may qualify for financing without submitting tax returns, W-2s, or pay stubs.

DSCR loans focus on what matters most:

🏡 The property's income potential.

If you're building a real estate portfolio, there may be financing options available that traditional lenders don't offer.

Contact Christian Penner at America's Mortgage Solutions (AMS) to learn more about DSCR financing for Florida investment properties.

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https://americasmortgagesolutions.com/dscr-loans-in-florida-how-real-estate-investors-can-qualify-without-income-documentation/


06/07/2026

Call now to connect with business.

05/29/2026

The Truth About Housing Affordability in Florida: What Homebuyers in West Palm Beach, North Palm Beach, and Wellington Need To Know in 2026

If you’re thinking about buying a home in West Palm Beach, North Palm Beach, Wellington, or anywhere in Florida, chances are affordability is one of your biggest concerns right now.

Between rising mortgage rates, increasing living expenses, and nonstop headlines about the Florida housing market, it’s understandable why many buyers feel uncertain about making a move.

But here’s the truth most headlines fail to explain:

Housing affordability is more complex than just mortgage interest rates.

Yes, rates matter. But they’re only one piece of the equation. Factors like income growth, local home inventory, buyer demand, home price trends, and your long-term financial goals all play a major role in determining whether buying a home makes sense today.

For buyers across West Palm Beach, North Palm Beach, and Wellington, FL, understanding the full picture can help you make a smarter and more confident real estate decision.

That’s why Christian Penner, a trusted Mortgage Broker, Mortgage Lender, Real Estate Agent, and Real Estate Advisor with America’s Mortgage Solutions (AMS), believes education and transparency are more important now than ever before.

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https://americasmortgagesolutions.com/the-truth-about-affordability-today/

05/29/2026

Price Cuts Get Bigger the Longer a House Sits Without Offers in West Palm Beach, North Palm Beach, and Wellington, FL
Why Overpricing Your Home Can Cost You Thousands in Florida Real Estate
If you’re thinking about selling your home in West Palm Beach, North Palm Beach, or Wellington, Florida (FL), one of the biggest mistakes you can make is setting your asking price too high just to “see what happens.”

In today’s competitive Florida real estate market, buyers are smarter, faster, and more informed than ever. They’re constantly monitoring new listings, comparing home prices, and searching for the best value. The moment a property appears overpriced, many buyers skip it entirely.

Unfortunately, the longer a house sits on the market without offers, the more likely it is to require major price reductions — and in many cases, it eventually sells for less than it would have if it had been priced correctly from the beginning.

That’s why working with a trusted local expert like Christian Penner, a leading Mortgage Broker, Mortgage Lender, Real Estate Agent, and Real Estate Advisor at America’s Mortgage Solutions (AMS), can make all the difference when pricing and marketing your property effectively.

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https://americasmortgagesolutions.com/price-cuts-get-bigger-the-longer-a-house-sits-without-offers/

05/26/2026

What Most Veterans Don’t Know About Their VA Home Loan Benefit in West Palm Beach, North Palm Beach, Wellington, Florida FL
For many Veterans, active-duty military members, and qualifying reservists, the dream of homeownership can feel farther away than ever. Rising home prices, increasing interest rates, and the misconception that buying a home requires a massive upfront investment have discouraged thousands of military families from taking the next step.

But here’s the truth: many Veterans in West Palm Beach, North Palm Beach, Wellington, and throughout Florida FL are far closer to owning a home than they realize.

According to a recent survey from NewDay USA, nearly half of all Veterans believe homeownership is currently out of reach. However, many of those same Veterans may already qualify for one of the most powerful mortgage benefits available in America — the VA home loan benefit.

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https://americasmortgagesolutions.com/what-most-veterans-dont-know-about-their-va-home-loan-benefit/

(PMI)

05/19/2026

Everybody wants to know:
“Are home prices finally going to fall?”

The reality is more nuanced than the headlines.

Yes, many markets are slowing.

Yes, buyers have more negotiating power than they did during the peak frenzy.

But nationally, inventory is still constrained in many areas because millions of homeowners are sitting on ultra-low mortgage rates and do not want to move.

That has helped support pricing.

At the same time:
→ higher rates hurt affordability
→ insurance costs are rising in some markets
→ taxes and HOA costs matter more than ever
→ buyer demand has become more selective

This is why real estate is now hyper-local.

Some areas are correcting.
Some are stabilizing.
Some are still appreciating.

The bigger question is not:
“Will prices crash?”

The bigger question is:
“What is the right strategy for YOUR situation?”

Monthly payment structure, financing options, reserves, and long-term plans matter more than headlines.

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https://americasmortgagesolutions.com/are-home-prices-going-to-fall/

05/12/2026

Why Self-Employed Borrowers Get Denied Mortgages (And the No-Ratio Loan Solution Most People Don’t Know About)
Most self-employed borrowers are applying for the wrong mortgage.

That is the real issue.

Traditional underwriting was built around W-2 income.

But business owners often:
→ maximize deductions
→ write off expenses
→ reinvest profits
→ show lower taxable income intentionally

So even successful entrepreneurs can get denied despite healthy cash flow.

I talk to borrowers all the time who say:

“But I made good money last year.”

And they did.

The challenge is how the income appears on tax returns after deductions.

That is where alternative mortgage programs may help, including:
→ bank statement loans
→ no-ratio loans
→ investor DSCR programs
→ non-QM financing solutions

Every borrower scenario is different.

The key is structuring the loan around the borrower instead of forcing entrepreneurs into a W-2 underwriting box.

If you are self-employed or have been denied before, let’s review your scenario strategically.

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https://americasmortgagesolutions.com/why-self-employed-borrowers-get-denied-mortgages-and-the-no-ratio-loan-solution-most-people-dont-know-about/

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777 S Flagler Drive # 800
West Palm Beach, FL
33401

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