With interest rates holding steady and signs pointing to possible cuts later this year, more international investors are returning to the U.S. property market. In fact, according to a recent survey by AFIRE, 44% of foreign real estate investors say they plan to increase their U.S. holdings in 2025, up from 24% last year. Why now? Savvy investors know that when the domestic owner-occupied market is slow, the ability to purchase investment properties at more favorable prices and without competition is a smart play.
The U.S. Federal Reserve kept rates unchanged at 4.25 to 4.5%. For foreign nationals and U.S. expats considering real estate in the U.S., this creates a rare period of clarity. The Fed’s projections suggest rate cuts may still come before year-end. Acting now could allow buyers to lock in current rates and take advantage of favorable financing before the next wave of activity begins.
This relatively steady rate environment, along with signs that inflation could ease over time, gives overseas buyers a good reason to move forward now.
Why This Is Catching Investor Attention
Inflation in the U.S. is expected to reach around 3% this year, and the Fed has lowered its growth forecast to 1.4%. Even so, the job market remains strong, the economy continues to grow at a steady pace, and the lack of U.S. housing inventory, currently sitting at a 6 million shortfall, is not ending anytime soon.
These factors are exactly what many real estate investors are looking for. We are seeing piqued interest from buyers across Asia, the Middle East, Central and South America, as well as Europe. Many of them are charging into the market after waiting through a period of global uncertainty.
Don’t Take Our Word for It Alone
Hundreds of smart, highly paid analysts from big firms are recommending—Buy. Buy. Buy.
Over the past decade, private equity firms and giant financial corporations such as Blackstone have significantly increased their residential property holdings. In the first quarter of 2024 alone, investors purchased around 44,000 U.S. homes, according to Redfin. That’s nearly 19% of all home sales during that period. The share was even higher for lower-priced homes, with investors buying 26.1% of those properties.
What This Means for Our Clients
At America Mortgages, we are seeing more demand from U.S. citizens living abroad and from foreign nationals looking to invest in residential and commercial property. These buyers are focused on income generation, long-term growth, and the ability to hold U.S. dollar assets.
Our lending programs are built specifically for overseas investors. You do not need a U.S. credit score or U.S. income to qualify. In many cases, buyers can qualify using income earned abroad or projected rental income from the property they want to buy.
Key Program Features
- Loan amounts from US$100,000 to US$30M
- Up to 80% loan-to-value
- No U.S. credit history required for foreign national borrowers
- 30 to 45-day closings
- Fixed 10-year Interest-only options available
- Qualify using rental income or foreign income documentation
Whether you’re buying a single-family home, a student rental near a university, or a long-term investment property, we can help structure financing to fit your situation.
Looking Ahead to the Rest of 2025
The Fed has signaled that rate cuts are still possible later this year. Jerome Powell also noted that the inflation caused by new tariffs might be short-lived, depending on how long those measures stay in place. Combined with steady rental demand and solid property values, this gives global investors good reason to take a closer look at U.S. real estate right now.
Those who move now can secure favorable financing and position themselves for future gains, both from potential rate drops and from currency movements.
Let’s Talk
America Mortgages works exclusively with foreign nationals and U.S. expats. Our teams are based across key international markets and are available to support you in your time zone.
If you’re thinking about buying property in the U.S., now is a good time to start the conversation.
Speak to a Mortgage Specialist 24/7: +1 (845) 583-0830
Email: [email protected]
Visit: www.americamortgages.com
We’re here to help you explore your options and take advantage of one of the best real estate lending environments in years.
Frequently Asked Questions
Q1: Why are international investors returning to the U.S. property market?
A: With interest rates steady and potential rate cuts later in 2025, overseas investors see an opportunity to buy properties at favorable prices, often with less competition, while locking in current financing.
Q2: Do foreign nationals need a U.S. credit score or income to qualify for a mortgage?
A: No. America Mortgages allows foreign buyers to qualify using income earned abroad or projected rental income from the property. U.S. credit history is not required.
Q3: What types of properties can international investors buy?
A: Investors can purchase single-family homes, student rentals, or long-term investment properties, both residential and commercial.
Q4: What loan programs and terms are available for overseas buyers?
A: Loan amounts: US$100,000 – US$30M
Up to 80% loan-to-value
Fixed 10-year interest-only options
Closings in 30–45 days
Q5: Why should investors act now rather than wait?
A: Current stable rates, strong rental demand, and potential future rate cuts create an ideal environment for securing favorable financing and positioning for long-term gains.
