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America Mortgages provides U.S. mortgage loans to U.S. Expats and Foreign Nationals living overseas — No U.S. credit, tax returns, or residency required, with pre-approval across all 50 states. You live abroad. Your bank said “no”. We say … which program!
No commitment · Pre-approval in 24 hrs
DSCR, U.S. expat, foreign national, asset-based, bridge, portfolio and commercial loans — matched to your file across 150+ U.S. lender programs.
Qualify on the property's rent, not your personal income. Built for rentals, multifamily and portfolio growth.
Finance second homes, holiday homes, family residences and student housing across the U.S. Overseas income and assets accepted.
Programs designed around assets, not income. Cash-out, equity release and asset-depletion underwriting up to 30 years.
Move fast on opportunities. Asset-based underwriting and structures built for global investors.
Not sure which fits?
Five cross-border tools — including FX impact and FIRPTA, which almost no U.S. lender offers. No personal details, no obligation.
Most usedCheck whether a property's rent covers the payment — before you make an offer.
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Near-uniqueSee what a moving exchange rate does to a USD mortgage you pay from foreign income.
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Estimate what you could borrow as a non-resident, before you speak to anyone.
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Model the full monthly payment and the cash you'll actually need at closing.
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Near-uniqueEstimate the withholding due when a foreign owner sells U.S. property.
Open calculator→Getting a U.S. mortgage from overseas takes six remote steps: consultation, program review, one application, pre-approval, document clearance, and a remote closing.
Six steps, start to keys — most of it while you stay overseas.
Schedule a callSee the full loan process, step by step →
One conversation, in your timezone. Foreign national or U.S. expat — we match you to the right specialist and confirm which programs actually fit your file.
We present matched programs across 150+ U.S. lenders — terms, LTV and structure side by side. You pick the path that fits the strategy.
One streamlined application covers every lender we shop. No duplicated paperwork. Your specialist drives the file forward.
A pre-approval letter once the lender has your file. You can shop with confidence, make competitive offers, and signal credibility to U.S. sellers.
Your specialist chases the remaining underwriting documents — not you. We handle the back-and-forth so you stay focused on the property.
Sign remotely from where you live — you do not need to fly to the U.S. to close. Your loan funds within days.
We founded America Mortgages in 2019 to fix a $100B/year problem: international investors of U.S. residential real estate had no access to financing. Roughly 60% of foreign-buyer transactions closed in cash.
With backing from international investors, we built the first U.S. mortgage brokerage focused entirely on borrowers overseas. Today we're the leading direct lender and super-broker for foreign nationals, non-U.S. citizens, and expats.
“We started this company to fix a problem facing international investors of U.S. residential real estate — the lack of financing options. We've cemented ourselves as the leading U.S. mortgage lender focused ONLY on foreign nationals and expats. Thank you.”
Foreign buyers purchased $56 billion of U.S. homes in the year to March 2025 — and 44% of them live outside the United States. We finance them in all 50 states — clients of 57 nationalities.
Trailing 12 months across 150+ U.S. lender programs.
Across all 50 states, every loan type, every program.
Active client base in every major region of the world.
We lend in all 50 U.S. states, with closings handled remotely from anywhere.
Every program, every workflow, every relationship is designed for non-U.S. residents — not retrofitted from a domestic-borrower playbook.
We underwrite ourselves and we shop across 150+ programs. You get the best fit, not whatever one lender happens to offer.
Specialists in Singapore, Hong Kong and the U.S. mean someone is awake and available wherever you are.
“America Mortgages was fantastic to work with as an American expat. I needed to refinance my condo in DC but living overseas. For most lenders I was denied because my income was foreign… the entire process was seamless and took less than 6 weeks.”
“As Canadians, we were told by other brokers they were unable to get a mortgage for our grandparents' home. Thankfully, Joe was able to assist us and allow us to keep it!”
“A bank and another company couldn't approve my mortgage. I found America Mortgages online at the airport between flights… Even easier than getting a mortgage for my own home in London.”
Beyond the loan, America Mortgages connects clients with FX and money transfer, LLC formation, insurance, U.S. tax advisory, wealth management and property management — the full stack a remote owner needs.
Cash to close has to land in a U.S. account on a fixed date. We coordinate the timing with your loan and introduce a regulated FX provider.
Learn more→Most foreign nationals hold U.S. rental property in an LLC because lenders require it. We introduce an independent formation provider and time the setup around your closing.
Learn more→Landlord (DP3) cover for U.S. rental property owned by non-residents, arranged through a licensed insurance partner and timed to your closing.
Learn more→We don't prepare or advise on taxes — we arrange it, introducing an independent cross-border accounting firm for your taxpayer number and return.
Learn more→We introduce a vetted, licensed local manager for tenant placement, rent collection, maintenance and monthly reporting.
Learn more→
How U.S. expats in Australia can finance U.S. property, navigate tax rules, and secure the right mortgage program.
Why the surge in international student demand is reshaping U.S. residential housing — and what overseas investors should do.
A retired Australian client released equity from an inherited San Diego rental to fund a new venture. The full file walkthrough.
For qualifying programs, no. No U.S. credit score, U.S. tax returns or U.S. residency is required — we qualify the property and your assets instead, and foreign credit is accepted.
Yes. Non-U.S. citizens can finance U.S. property with no Social Security Number and no U.S. credit file. Qualification is based on the property and your verified assets, and America Mortgages arranges financing for clients of 57 nationalities.
Yes. We use your foreign income and assets, and we can work around the Form 2555 problem — the Foreign Earned Income Exclusion that makes an expat's U.S. tax return show little or no income and gets them denied at conventional banks.
A DSCR loan qualifies a rental property on its own rental income rather than your personal income, which is why it's the most-used product for overseas investors. It needs no U.S. credit, tax returns or SSN.
It depends on the program, the property and your profile — leverage differs between a U.S. expat and a foreign national, and between a purchase and a cash-out refinance. A specialist gives you a real range on the first call.
Yes. The application and the closing are both handled remotely — you sign from where you live, and loans fund in all 50 states.
Still have a question? Ask a specialist →
No obligation. pre-approval. Whether you're a foreign national or U.S. expat, we'll match you to the right U.S. lender program on the first call.
