How America Mortgages / Global Mortgage Group funded two complex, cross-border bridge loans for high-net-worth clients in London and Dubai, without a single U.S. credit check, and without either client selling a single asset.
Most U.S. lenders and brokers can only lend U.S. dollars they can raise in U.S. markets. That’s fine, until a client needs speed, discretion, and certainty on a transaction that starts overseas. This August, two deals reminded us exactly why Global Mortgage Group was built differently, with funding relationships that span borders, not just balance sheets.
Here’s what closed, and why it matters for any HNW investor, family office, or advisor managing U.S. real estate as part of a global portfolio.
Deal One: A $7M Tax Bill, Two Unencumbered U.S. Properties, and Two Weeks to Solve It
A London-based family office came to us on behalf of a Chinese client who had just been hit with a significant offshore tax liability, triggered by a new tax ruling out of China. The bill was real, and it was due, but the obvious solution, liquidating U.S. real estate to cover it, was the wrong one.
The client held two unencumbered U.S. properties:
- A $7M penthouse apartment in NYC
- A Florida property near Walt Disney World — the client’s highest-performing rental-yield asset
Selling either asset to cover a short-term tax obligation would have meant giving up a long-term income-producing holding for a one-time cash need, and doing it at a moment and a price the client didn’t choose. Instead, the family office structured a bridge loan against both properties to raise the full $7M needed, preserving both assets and letting the client meet the tax deadline on his own terms.
We received the request in the first week of August. The loan was funded by the end of the second week.
No liquidation. No forced sale. No disruption to a rental income stream that was working exactly as intended. Just fast, transparent, asset-based capital, arranged against real estate the client already owned outright.
Deal Two: $17M, One Property, Zero Financials Required
The second transaction moved even faster, and asked for even less friction.
A Dubai-based client owned an unencumbered property in Beverly Hills’ 90210, and needed to move quickly on an unrelated opportunity: acquiring a hotel asset in Europe. The two transactions had to happen in parallel. There was no time for a slow, document-heavy U.S. lending process, and no appetite for one either.
We arranged the financing based purely on the value of the Beverly Hills property, no income documentation, no financial statements, no U.S. credit file required from the client. Just the asset, verified and valued, standing behind the loan.
From enquiry to a closed $17M transaction: two weeks.
That’s the kind of certainty a client needs when a second deal, on a second continent, is waiting on the first one to close.
What These Two Deals Actually Prove
Two closings, one month, $24M combined, zero forced sales, zero U.S. credit files reviewed. That’s not luck, it’s structural.
Most U.S. mortgage brokers and lenders can only lend money they can raise domestically. When a client’s situation is complex, a layered offshore holding structure, income earned and taxed outside the U.S., no U.S. credit history, or a transaction that needs to close in days, not months, that domestic-only funding model runs out of options fast.
America Mortgages/Global Mortgage Group doesn’t have that ceiling. We built our lending network to include funding sources outside the United States, not just within it, which means a client’s complexity isn’t a problem we have to work around. It’s exactly the kind of transaction we’re built for.
In practice, that means:
- Asset-based underwriting — the property, not the borrower’s documentation, is often what stands behind the loan
- No U.S. credit required — a real barrier for foreign nationals and U.S. expats that simply doesn’t apply here
- Speed measured in days, not months — both August deals closed within two weeks of first enquiry
- Comfort with layered, cross-border holding structures — family offices, trusts, and multi-jurisdiction entities are the norm for our clients, not the exception
- A team built for the client base we serve — our specialists work across 57 different nationalities, in the time zones and languages those clients actually operate in
Why This Matters Beyond These Two Deals
For a family office, a private bank, or an HNW individual holding U.S. real estate as part of a global portfolio, the real risk usually isn’t finding a lender, it’s finding one who can move at the speed an opportunity, or an obligation, actually demands. A tax deadline doesn’t wait for a 45-day underwriting cycle. A hotel acquisition in Europe doesn’t pause because the U.S. side of a deal is stuck in documentation review.
Fast. Transparent. Reliable. That’s not a slogan for us, it’s the operating standard behind every bridge loan we close, and it’s why sophisticated global investors keep coming back to Global Mortgage Group and America Mortgages when U.S. liquidity needs to move on their timeline, not a lender’s.
