If you are a foreign national with U.S. real estate and you need capital fast, you already know the problem. You walk into a U.S. bank or approach a domestic broker, and the first question they ask is about your Social Security Number. The second is about your W-2. The third is about your U.S. tax returns. And at some point in that conversation, usually very early, you realise that the system was not designed for you.
This experience is near-universal for internationally mobile high-net-worth individuals who own U.S. property. The wealth is undeniable. The asset is real. The equity is there. But the infrastructure to access it through conventional channels does not exist.
America Mortgages and its parent company Global Mortgage Group (GMG) exist precisely to change that.
The Problem With Conventional U.S. Bridge Lending for Foreign Nationals
The U.S. lending market is among the most developed in the world, but it was built for domestic borrowers with domestic income, domestic credit, and domestic tax profiles. For foreign nationals, even the wealthiest, this creates a structural exclusion:
- No SSN: Most U.S. lenders will not underwrite without a Social Security Number
- No W-2 or domestic income: Even if global income vastly exceeds requirements, U.S. lenders cannot document it within their frameworks
- No U.S. tax returns: Underwriting systems are calibrated to domestic tax documentation
- No U.S. credit file: Years of perfect repayment history in Singapore, Hong Kong, or London does not translate to a U.S. credit score
- Trust and entity structures: Offshore trusts, BVI holding companies, and international entities create compliance complexity that most domestic lenders are unwilling to engage with
- Speed mismatch: Even when a U.S. bank does attempt to process an international borrower, the KYC and compliance timelines extend to 45 to 60 days, incompatible with time-sensitive opportunity windows
The result: foreign nationals sitting on tens of millions of dollars of U.S. real estate equity, unable to access it through any conventional channel.
The America Mortgages Method: Qualification Without Borders
America Mortgages operates on a fundamentally different underwriting philosophy. Every bridge loan is assessed on three core factors:
- The asset — The U.S. property, its location, its quality, its liquidity in the market
- The equity position — The loan-to-value ratio and the borrower’s stake in the property
- The exit strategy — How the loan will be repaid at term: refinance to permanent financing, property sale, settlement of a pending liquidity event
That is the entire framework. There is no domestic income requirement. No SSN requirement. No U.S. tax return requirement. No U.S. credit history requirement.
This is not a workaround or a compromise. It is a purpose-built underwriting system developed over years of exclusively serving the foreign national and U.S. expat market, a market that America Mortgages has made its entire business, not a secondary product line.
As CEO Robert Chadwick has explained: “Foreign national lending is what we do every day. Our global reach and deep understanding of cross-border lending needs is what sets us apart. What sets us apart is not just our experience, it’s our access to international lenders, speed of execution, and ability to tailor flexible solutions that private banks and their clients demand.”
The Capital Advantage: Why GMG’s Singapore Base Unlocks Better Pricing
Here is the reality of the U.S. bridge loan market that most lenders will not tell you: access to capital determines your rate, and most domestic lenders have only one source.
A U.S.-based hard money lender taps a domestic credit line. When that line is constrained, rates go up and flexibility shrinks. There is no alternative. For the borrower, this means they are price-taking, not price-choosing.
America Mortgages, as the U.S. subsidiary of Singapore-headquartered GMG, operates a multi-source capital model that includes:
Asian capital markets: GMG’s location in Singapore, the wealth management hub of Asia, provides direct relationships with sovereign wealth vehicles, Hong Kong family offices, and institutional investors with explicit appetite for U.S. real estate-backed lending. This capital often provides more competitive pricing than domestic alternatives, particularly for clean, high-value luxury assets.
European private debt: Access to Swiss and Luxembourg private debt funds and London-based real estate credit specialists creates a second parallel capital channel. European credit funds are actively seeking quality U.S. real estate exposure, and America Mortgages’ deal flow gives them access they cannot achieve independently.
U.S. private credit: Domestic debt fund relationships provide a third channel for large-ticket transactions requiring deep liquidity.
The result: for any given U.S. bridge loan, America Mortgages is not relying on a single capital source. It is simultaneously accessing multiple institutional pools, choosing the most competitive, and passing that advantage to the borrower. This structural model delivers better rates, higher LTVs, and faster certainty of close than any single-source lender can match.
Real Deals: How Foreign Nationals Have Accessed U.S. Real Estate Equity Through America Mortgages
The following transactions are drawn from America Mortgages’ and GMG’s published record. They represent the range of client profiles, geographies, and deal structures that the firm handles routinely.
Case Study 1: Singapore-Based British National, Miami Beach, $Undisclosed (February 2025)
A British national based in Singapore held a Miami Beach condominium outright and needed to release equity to fund a private equity co-investment in Southeast Asia, without selling a U.S. asset he expected to continue appreciating.
Two U.S. banks declined: no U.S. income, no SSN, no local credit file.
America Mortgages underwrote entirely on property value and the client’s global net worth profile. Cash out was delivered in 12 business days. The private equity co-investment was funded on schedule. The Miami Beach property was retained.
Case Study 2: Hong Kong Family Office Principal, Beverly Hills, $Undisclosed (February 2025)
A Hong Kong family office principal held a fully paid Beverly Hills residential property and needed equity release to meet a subscription window for a Hong Kong private credit opportunity. Two U.S. private banks declined due to the absence of U.S.-sourced income documentation.
America Mortgages assessed the loan purely on collateral strength and asset quality. Indicative terms were delivered within 48 hours. Cash was in hand within 11 business days. The Hong Kong subscription was met comfortably.
Case Study 3: European HNWI, Upper East Side, New York (February 2025)
A London-based European HNWI had held a luxury Upper East Side apartment unmortgaged since 2019 and required equity release to fund a commercial real estate acquisition in the UK, without liquidating a New York asset he expected to appreciate further.
America Mortgages structured a clean cash-out bridge with a single exit: refinance to a conventional international mortgage or repay from the UK transaction proceeds.
Case Study 4: Swiss Investor, Hong Kong — $3.75M, 11 Days
A Swiss borrower had liquidity tied up in European securities that would take 30 days to liquidate without significant market impact. A distressed U.S. seller needed a 14-day close or would accept a lower backup offer.
America Mortgages delivered a $3.75 million bridge loan at 75% LTV, closed in 11 days with asset-based underwriting only, no U.S. credit check, no Swiss tax returns reviewed. The borrower later executed a light renovation, stabilised rents, and refinanced into permanent DSCR financing at a $6.2 million valuation, extracting $1.45 million in equity while retaining a cash-flowing asset.
Case Study 5: Hong Kong Investor, Miami Waterfront — $Multi-Million
A high-net-worth Hong Kong investor held a $32 million waterfront property in Miami and needed quick capital to expand business ventures in Africa. Traditional private banks required 45 days for KYC and credit committee approval, a timeline incompatible with the business opportunity.
America Mortgages delivered terms immediately and funded within the required window. The business expansion proceeded. The Miami property was retained.
The Role of Private Banks and Wealth Advisors
A significant portion of America Mortgages’ and GMG’s deal flow arrives through referrals from private banks and wealth advisors. This is instructive. Private banks, including Swiss private banks, Hong Kong private wealth platforms, and Singaporean family offices, regularly refer their UHNW clients to America Mortgages when the client needs U.S. bridge financing that the bank itself cannot provide.
The Indonesian business leader who needed to unlock equity from his Beverly Hills corporate retreat prior to listing it for sale was referred by his Swiss private bank directly to America Mortgages’ Singapore office. The deal was structured with a single-digit interest rate, no monthly payments, and an 18-month term, a structure that no domestic U.S. lender offered.
When your private bank refers you to America Mortgages, it is not because they cannot help you. It is because they know who the world’s best U.S. bridge loan provider for international clients is.
The Speed Standard: What “Fast” Actually Means
In the bridge loan market, every lender claims to be fast. America Mortgages and GMG have a documented, published record to quantify exactly what speed means in practice.
- 8 business days — $18M Bird Streets, Los Angeles (March 2026)
- 10 days — $25M dual-coast Manhattan and Beverly Hills (March 2026)
- 11 business days — Hong Kong family office, Beverly Hills (February 2025)
- 12 business days — British national, Miami Beach (February 2025)
- 2 weeks — $22M Beverly Hills Airbnb, Swiss investor (December 2024)
- Record time — $27M Beverly Hills equity release, Monaco-based French national (October 2025)
These are not exceptional outliers. They are the standard. The February 2025 GMG monthly funding report recorded 11 funded bridging transactions across five markets in a single month, with an average drawdown under 14 business days.
The infrastructure exists. The capital is pre-positioned. The process is engineered for speed because speed is the entire value proposition of a bridge loan.
Getting Started: What to Expect
The process with America Mortgages is designed to move at the pace the client needs:
- Initial enquiry: Contact via americamortgages.com, +1 830-217-6608, or +65 8430-1541. Describe the asset, the equity position, and the timeline.
- Indicative terms: Within 24 to 48 hours. Loan amount, LTV, rate range, and structure.
- Term sheet: Within days of indicative agreement. Clear, transparent terms with no hidden conditions.
- Underwriting: Asset-led. Minimal documentation. No domestic financial profile required.
- Funding: As fast as 8 business days from engagement to drawdown.
There are no queues. There are no committees waiting for the right meeting. There is a team that has done this hundreds of times, across 57 countries, for clients whose wealth profiles are as complex as the global economy itself.
