When investing in U.S. real estate as a foreign national, U.S. expat, or international high-net-worth individual, one of the first questions is: “What will my mortgage payment be?” That’s why America Mortgages offers a comprehensive U.S. mortgage calculator, designed specifically for non-U.S. residents, expats, and clients seeking asset-based or bridging loans.

Unlike generic mortgage calculators, ours factors in the unique lending programs America Mortgages provides, including:

• Foreign National Mortgage Calculator – estimate monthly payments for international clients purchasing U.S. property without a U.S. credit score or residency.
• U.S. Expat Mortgage Calculator – tailored for American citizens living overseas who need financing for primary homes, vacation properties, or investment real estate in the U.S.
• Asset-Based & Bridge Loan Calculator – determine potential payments and loan structures for short-term, asset-backed financing on luxury homes, investment properties, or commercial real estate.
• DSCR Loan Calculator – ideal for investors wanting to qualify based on rental income rather than personal income.

Why Use the America Mortgages Calculator?

Our U.S. mortgage calculator for expats and foreign nationals gives you instant insight into:

• Estimated monthly mortgage payments
• Principal and interest breakdown
• Loan affordability based on down payment and property value
• Quick comparisons between traditional and asset-based lending options

Because America Mortgages is both a direct lender and a broker, we combine proprietary lending programs with access to over 300 global lenders through our partner company Global Mortgage Group (GMG). This means our calculator reflects realistic lending scenarios, not just generic estimates.

Optimized for Non-Resident Borrowers

Traditional bank mortgage calculators often fail international buyers. At America Mortgages, our mortgage calculator is designed for:

• Foreign Nationals: Buy U.S. property without needing a U.S. Social Security Number, U.S. income, or U.S. credit history.
• U.S. Expats: Secure financing for homes in America while living and working abroad.
• HNW Clients: Explore asset-based bridging loans for luxury estates, corporate retreats, or investment properties when speed and certainty are essential.

Example Use Case: Asset-Based Bridging Loan

Imagine a client needs a $10M U.S. real estate bridge loan against a $25M luxury property. By using our asset-based loan calculator, they can quickly estimate repayment terms, loan-to-value ratios, and funding options—all before speaking to a lending specialist.

Take the Next Step

Try the America Mortgages Calculator today to see what your U.S. mortgage payments might look like as a foreign national, U.S. expat, or investor seeking an asset-based bridge loan.

Then speak with one of our specialists to structure financing that meets your exact needs—whether it’s a long-term mortgage, short-term hard money loan, or bespoke asset-backed facility.