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We Do Not Just Structure and Close Loans. We Engineer Wealth. Most people still think of a mortgage as debt. Something you pay off over time. But when structured correctly, it becomes one of the most powerful financial tools you will ever use. It can strengthen your financial position, protect your cash flow, and help you build long term wealth. Traditional banks rely on outdated models that ignore the full financial picture. They say no the moment a deal looks complex or does not fit their box. That is exactly where I step in. I am Christian Penner, President and Mortgage Broker with America’s Mortgage Solutions. Since 1997 I have helped first time buyers, homeowners, investors, and business owners design financing strategies that go far beyond the loan itself. Every financing plan we build aligns with your goals, your payment strategy, your equity objectives, and your long term wealth plan. Here are examples from more than $52M dollars in recently closed transactions. • Cross collateralized super jumbo luxury financing secured by multiple high end properties with no income verification • Construction financing for primary homes, spec builders, and investors using experience or alternative documentation • Fix and flip loans approved strictly based on track record • DSCR loans across several states closed inside entities • A condo loan with active litigation and assessments closed through private lending • FHA first time buyer approvals and FHA cash outs • Reverse mortgage purchase in Michigan for a returning client • Cash out financing on raw land for zoning and development planning • Alternative documentation second mortgages using bank statements, P and L, and no ratio approvals • A super jumbo foreign national loan approved using only a CPA income letter No matter the transaction one thing never changes. Every client deserves a strategy designed specifically for them. When structured correctly financing can help you minimize taxes, maximize cash flow, protect capital, scale your business, and build long term wealth. At America’s Mortgage Solutions, we treat lending as financial engineering. We do not just secure approvals. We engineer results. Our active pipeline exceeds $134M dollars across residential, jumbo, DSCR, construction, SBA, foreign national, private hard money, and international structured financing. We work with private funds and family offices that manage more than a billion dollars in capital. Many of our clients come from referrals by Realtors, financial advisors, CPAs, attorneys, and even other loan originators who trust us to solve deals they cannot complete on their own. If you want to design a mortgage or financing strategy that builds wealth instead of debt, I would love to connect. Christian Penner | NMLS 368289 America’s Mortgage Solutions | NMLS 2009420 📅 Strategy Session: AMS.Money/Calendar 📞 Call or Text: 561 316 7544 We do not just structure and close loans. We engineer wealth.