Rates are Dropping – Contact Us Today
We are the Industry Experts in Non-Resident U.S. Mortgage Lending
Our global team of U.S. Mortgage Specialists are ready to help you.
Ready to be part of that success story? Reach out today, and let’s get your U.S. property journey started on the right foot.
Our simple process
We have eliminated many unnecessary steps to create a simple and easy process for our clients.
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Speak to our U.S. Mortgage Specialist
Our Loan Officers will understand your requirements and introduce our loan programs.
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Explore our loan options
After your initial call, we will provide you with various loan options specific to your needs.
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Complete application
We have developed a process that is easy and have eliminated many unnecessary steps. We are here to help.
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Get loan-approval
Once the application is submitted to the lender, a
Pre-approval will be issued within 5 days. -
Clear Conditions
Our Loan Officer will work with you to gather the remaining documents required by underwriting.
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Signing the documents
Sign the closing documents at your local embassy and within a few days your loan will be funded!
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Congratulations – Your loan is funded!
You have now used a mortgage to maximize your cash-flow.
THINK PIECES
Why U.S. Property Looks Cheaper to UK Buyers Right Now
Why U.S. property for UK buyers can feel cheaper right now. Learn how GBP strength, U.S. pricing, and bank rules shape outcomes.
Learn More
THINK PIECES
How Currency Strength Is Reshaping U.S. Real Estate for Israeli Buyers
Learn how currency strength is changing the math for Israeli buyers of property in the U.S., from down payments to financing and market selection.
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CASE STUDIES
Australian Unlocks Business Expansion from U.S. Real Estate
The Client A retired Australian citizen living in Sydney inherited a rental property in San Diego from her late brother. She wanted to release equity from the property to expand...
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Founders Information
Our Story
We started this company in 2019 to fix a problem facing international investors of U.S. residential real estate – lack of financing options.
Did you know? Over the past 10 years, the average amount of U.S. residential property purchased by foreign nationals was approximately $100 billion per year, of which 60% was paid with cash due to the lack of financing options outside the U.S. – we have fixed this!
In 2019, we raised capital from well-known international investors to fix this problem, and here is a video of our Demo Day.
With any new idea, the early days are difficult, and we rely on trust and support from our customers.
We are happy to say that we have cemented ourselves as the leading U.S. mortgage broker and now lender focused ONLY on foreign nationals, non-U.S. citizens and expats living overseas.
Thank You!
Donald Klip and Robert Chadwick
Learn MoreNo U.S. Credit Required | 80% LTV | All 50 States | 24HR Approval
Loan Programs We Offer
Investment Loans (Foreign Nationals & U.S. Expats)
- DSCR Loans – Qualify using rental income, not personal income. Up to 80% LTV, no U.S. credit needed.
- Negative Cashflow Flex – Approvals even if the property doesn’t cash-flow (DSCR < 1.0). Perfect for renovations or growth markets.
- Pure Investment Property Loans – Tailored for rentals, multifamily, or commercial properties. Loan sizes up to $3M.
Second Home Loans (Foreign Nationals & U.S. Expats)
- Finance vacation homes, family residences, or student housing in the U.S.
- Up to 80% LTV for U.S. expats | 75% for foreign nationals.
- Overseas income and assets accepted, no U.S. tax returns required.
Wealth & Asset-Based Loans (High-Net-Worth & Retirees)
- Asset Depletion Loans – Use savings, investments, or retirement accounts instead of income.
- Cash-Out Refinance – Tap into your U.S. property equity for investments, business, or personal needs.
- Equity Release – Unlock property value without selling. Flexible terms up to 30 years.
Specialty Programs (Global Investors)
- Bridge Loans – Close in as little as 2 weeks, up to 70% LTV, asset-based qualification.
- Portfolio Loans – Finance multiple U.S. properties with one simple loan.
- Commercial Loans – For multifamily, office, mixed-use, and retail investments. Accepts foreign income & global assets.
Additional Programs
- No-income loans for self-employed borrowers.
- Tailored HNW programs without asset-under-management requirements.
Why Choose Us?
- 97% approval rate | $480M funded last year | Clients in 57 countries
- 100% dedicated to foreign nationals & U.S. expats
- No U.S. credit, tax returns, or residency required
- Direct lender + super broker model (150+ U.S. banks & programs)
- Multilingual support | Seamless closings in all 50 states
America Mortgages’ Reviews
Concierge Services We Offer
America Mortgages’ Concierge Service is committed to helping international and expat real estate investors achieve their goals in maximizing their U.S. real estate returns. To assist in this effort, we have teamed up with vetted key players in U.S. insurance, tax advisory, money transfer, and wealth management.
As seen in
Schedule a call with our U.S. Mortgage Specialist.
Foreign National and U.S. Expat Mortgage Blogs
Learn how to qualify for a U.S. mortgage loan as a non-U.S. resident through case studies, articles, and useful blogs
