Earn 1.50% referral commission helping your international clients access U.S. real estate financing.
The Problem Your Clients Face
Your high-net-worth international clients want to invest in U.S. real estate. But they face an impossible financing situation:
- 47% of foreign buyers pay all cash ($26 billion annually) because traditional U.S. lenders won’t finance them
- No lending options exist outside the United States for international buyers seeking U.S. mortgages
- Your clients are forced to tie up 100% of capital in property, even when leverage would be strategically better
Until now, wealth managers, private banks, and external asset managers have had no solution to offer their clients.
The Solution: America Mortgages Intermediary Program
America Mortgages is the only U.S. lender exclusively focused on overseas borrowers. We’ve created the world’s first U.S. mortgage product that can be offered through intermediaries—private banks, wealth planners, EAMs, mortgage brokers, and client advisors.
Your benefit: Simple 1.50% referral fee on the loan amount. No licensing requirements. No operational overhead. No ongoing servicing. Just a simple referral.
Why This Works: Three Key Differentiators
1. Remarkably Simple Qualification
- If rental income covers the mortgage payment, the borrower qualifies
- No personal income documentation required
- No foreign tax returns or employment verification
- Works for new purchases, refinancing, and bridging loans
2. Fast, Seamless Process
- 30-45 day closing timeline
- Closing documents signed at U.S. embassies or international law firms
- No need for clients to travel to the United States
- Loan officers positioned globally in clients’ time zones
3. Position as Service Provider
- Treat us like any other specialist service provider (insurance, immigration, tax advisors)
- No infrastructure investment required
- No regulatory complexity
- Maintain your central client relationship while leveraging our expertise
The Bridging Loan Opportunity
A substantial portion of high-value U.S. real estate is owned debt-free by international investors—capital locked in illiquid assets. Your clients may hold valuable U.S. properties free and clear, yet traditional banks cannot help them extract equity for liquidity.
America Mortgages’ bridging loan solutions enable property owners to access equity quickly and efficiently for:
- Short-term liquidity needs
- Strategic investment opportunities
- Portfolio rebalancing
- Business expansion
This solves a real client need that private banks have never been able to address—while earning a referral fee.
The Market Opportunity
$56 billion in foreign purchases of U.S. real estate (April 2024-March 2025), up 33% from prior year.
Why international buyers choose U.S. real estate:
- Portfolio diversification and currency protection
- Second Home / Pied de Terre
- Educational opportunities for children
- Attractive returns and relative value vs. global cities
Who We’re Looking For
We’re seeking partnerships with:
- Private banks serving high-net-worth and ultra-high-net-worth international clients
- Wealth planners and wealth management platforms
- External asset managers (EAMs) and multi-family offices
- International mortgage brokers specializing in cross-border transactions
- Client advisors and relationship managers with global portfolios
For potential partners based in Singapore: We welcome the opportunity to meet in person to present the program and discuss how we can work together to serve your international clients.
Next Steps
Contact America Mortgages:
Website: www.americamortgages.com
Speak to a U.S. Loan Expert 24 hours a day / 7 days a week: +1 845-583-0830
Need help getting started? Use our 24/7 online booking tool to schedule a free, no-obligation consultation with a U.S. mortgage advisor.
About America Mortgages: A subsidiary of Global Mortgage Group (GMG), America Mortgages is the only U.S. lender focused exclusively on overseas borrowers, with loan officers positioned globally to serve international clients in their own time zones.
Frequently Asked Questions
Q1: Who is this mortgage solution designed for?
A: It’s aimed at high-net-worth international clients and their advisors, wealth managers, private banks, and external asset managers who want to help clients invest in U.S. real estate.
Q2: What makes this a “first” of its kind?
A: It’s the first U.S. mortgage product exclusively structured for overseas borrowers and offered through intermediaries (rather than directly to retail borrowers) by America Mortgages.
Q3: What are the key benefits for partner advisers when using this solution?
A: Partners earn a simple 1.50 % referral fee on the loan amount, with no licensing requirement, no operational servicing burden, or ongoing servicing obligations.
Q4: What are the main features of the loan qualification and process?
A: Qualification is simplified: if rental income covers the mortgage payment, borrowers qualify. No personal income documentation, foreign tax returns, or employment verification required. Also, a 30-45 day closing timeline, closing can be done at U.S. embassies or via an international law firm,s no U.S. travel is needed.
Q5: What types of clients or properties does this address?
A: It covers new purchases, refinancing, and bridging loans for international clients. A notable use case is owners of U.S. property who hold it debt-free and need liquidity or portfolio repositioning, which traditional banks can’t address.
