If you’ve been waiting for the right moment to buy U.S. property from abroad, this may be it. Sophisticated and large institutional investors know this, now it’s your turn! According to Redfin’s latest housing report, the U.S. market now strongly favors buyers, with the largest gap on record between sellers and buyers. As a real estate investor, here’s what you need to know:
More Sellers, Fewer Buyers
The U.S. housing market currently has nearly 500,000 more sellers than buyers, the largest gap on record since Redfin began tracking in 2013. That’s a 34% surplus of supply, giving buyers the upper hand in negotiations. With more homes available and fewer buyers in the market, you’re more likely to secure favorable terms and avoid bidding wars.
Buyers Have More Power
Redfin data shows that 44% of homes listed in April 2025 sat on the market for more than 60 days, the highest level since the pandemic. Sellers are becoming increasingly flexible, with 1 in 5 reducing their listing price. In many cases, they’re also offering incentives like closing cost contributions, or furnishing credits. This creates a rare window for foreign investors and expats to negotiate better deals.
Strong Opportunities in Key States
States like Florida, Texas, and North Carolina continue to stand out for their high inventory levels, strong rental demand, and landlord-friendly regulations. For example, Miami currently has nearly three times more sellers than buyers, making it one of the most buyer-favored markets in the U.S. These areas not only offer price leverage now but also strong long-term rental returns.
Less Competition from Local Buyers
As overseas buyers become more active, many U.S.-based buyers are taking a wait-and-see approach as the Fed keeps interest rates steady. This hesitation means less competition for well-located properties, especially from first-time or budget-conscious American buyers.
Why Act Now
Redfin projects that U.S. home prices could decline slightly by 1% by the end of 2025, but the key advantage right now is buyer leverage. As more sellers adjust their expectations, it’s likely that the best deals will be made before the market rebalances. Waiting too long may mean losing the upper hand or facing renewed competition.
How America Mortgages Helps
At America Mortgages, we specialize in helping U.S. expats and foreign nationals invest in U.S. real estate, whether it’s for rental income, or long-term wealth building.
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
- 30 year and 40 year fixed amortisation regardless of the borrower’s age
- Qualify using rental income or foreign income documentation
With clients in over 150 countries, we make U.S. property ownership simple and stress-free for international buyers by providing clear guidance and flexible financing options tailored to your needs.
Ready to take advantage of this buyer’s market?
Contact us today to learn how you can secure financing and enter the U.S. property market while conditions are still in your favor. Visit www.americamortgages.com, call +1 (845) 583-0830 to speak with a loan officer, or schedule a call with a U.S. mortgage specialist here.
