US Mortgage for Non residents

Expat Home Loans | Mortgage Lenders Of America


Canadian businessman picks Florida for high rental yield.

Our client purchased a 4-bedroom single-family home in Florida, intending to fix and flip it. Being a Foreign National made it difficult for him to find a lender who would finance a fix-and-flip property.

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U.K. Property Loan | America Home Mortgage


U.K. Citizen living in Hong Kong expands his U.S. Real Estate portfolio with only 35% down using only the income generated from the property.

Our client is a British Marketing Director living in Hong Kong. He owns 15 small properties in the Atlanta area and wanted to add to his holding in U.S. real estate.

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U.S. Expat Mortgage | American Mortgage Company


Australian family buys a home in Detroit for investment income.

After a 4-month process with a major U.S. bank, our Expat client gets denied due to lack of U.S. income. BUT, America Mortgages saved the loan with an even lower rate and closed the loan in 30 days!

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Founders Donald Klip and Robert Chadwick

Founders Information

Our Story

We started this company in 2019 to fix a problem facing international investors of U.S. residential real estate – lack of financing options.

Did you know? Over the past 10 years, the average amount of U.S. residential property purchased by foreign nationals was approximately $100 billion per year, of which 60% was paid with cash due to the lack of financing options outside the U.S. – we have fixed this!

In 2019, we raised capital from well-known international investors to fix this problem, and here is a video of our Demo Day.

With any new idea, the early days are difficult, and we rely on trust and support from our customers.

We are happy to say that we have cemented ourselves as the leading U.S. mortgage broker and now lender focused ONLY on foreign nationals, non-U.S. citizens and expats living overseas.

Thank You!

Donald Klip and Robert Chadwick

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No U.S. Credit Required | 80% LTV | All 50 States | 24HR Approval

America Mortgages’ Reviews

Based on 25 reviews
Rafael Nabi
Rafael Nabi
James was very helpful in exploring all the options to get a mortgage programme for us, given our challenging situation
Christian Thun-Hohenstein
Christian Thun-Hohenstein
Nick Worthington from America Mortgages provided a very friendly and professional service ensuring that all aspect of documentation execution were always met on a timely basis and resolved if problems arose.
HERVÉ Bastart
HERVÉ Bastart
Very professional and available anytime
Andy Cheng
Andy Cheng
Kristen with America Mortgages was super helpful and knowledgeable with foreign mortgages in the US. Highly recommend!
Lauren Chu
Lauren Chu
I normally give short reviews, however, this deserves more; As someone that owns real estate in two different countries I expected the USA process to be much easier. I initially tried to use a bank and then another company (I wont mention the name here but will review) but they could not approved my mortgage. After three weeks of non stop requests for documents. Crazy annoying! I found America Mortgage online at the airport in between flights. Thank God! This US mortgage experience was even a better experience than getting a mortgage for my own home in London. So easy to understand and helpful people. Great service! Only downside: Interest rate in the US were higher than I expected but seemed inline with what they are for everyone after some further research. The upside: Rent in the US much more than originally expected so now my monthly return is also much better than projected! Rented within two hours of my property agent posting with several offers at or more than asking. Unexpected bonus. Overall, I give you guys 5 stars for service and flawless execution! Cheers!!
oscar betancourt
oscar betancourt
Kristen is the best !!! Friendly and professional, found me the best option for my mortgage needs
Steffen Kaps
Steffen Kaps
I worked with Nick on getting a mortgage. Nick really did a great job, he answered my questions very quickly and even answered me while on vacation. Thank you!
Marcus A.
Marcus A.
I recently had done business with this company, and I was generally satisfied with its professionalism and speed. I will recommend its service to others and will do business with it again.
Sahr Ngegba
Sahr Ngegba
One of the very-best brokers I've worked with and considering I use a lot of brokers in my dealings both personal and business, the guys were always available, no matter the time of day or night.. literally!! Whatever it took, they will endeavour to work side by side until it's resolved. Had the massive opportunity in meeting Robert personally when I flew out to Singapore and even though my trip was short n jam-packed and I more or less took him off guard, again he came through and made time for a quick coffee where we engaged in possibilities for the future. Kudos guys and we'll done.
samrat kapur
samrat kapur
A big thank you to America Mortgages. Thank you Nick and Amor. If you are in need for a mortgage in the USA as a foreign national, look no further. They are super knowledgeable and know what's needed to get the job done. Nick explained what's required in our first call and simplified what seemed a tough ask. Thank you AM

We are the Industry Experts in Non-Resident U.S. Mortgage Lending

Our global team of U.S. Mortgage Specialists are ready to help you.

  • 97%

    As our only focus is providing U.S. mortgage financing for non U.S. residents, we are very proud to of our 97% approval rate. This is all we do!

    We create loan programs specifically for Overseas Clients
  • 150 U.S.

    More options. Better Pricing. Lower costs. 100% of our lenders understand non U.S. resident lending. This is all we do!

    Unlike a bank, we offer mortgages from many lenders in all 50 States

    We have provided U.S. mortgage loans for international investors from 57 different countries. This is all we do!

    U.K., Canada, Australia, Hong Kong, Singapore, South Korea, Philippines, China, U.A.E, Isreal
    WE DO

    Funded more than $480M in 2023 in ONLY foreign national and U.S. expat mortgage loans. This is all we do!

    In 2020, our clients consist of:
    Overseas Expats 56%
    Forerign National 44%

Our simple process

We have eliminated many unnecessary steps to create a simple and easy process for our clients.

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Schedule a call with our U.S. Mortgage Specialist.

Foreign National and U.S. Expat Mortgage Blogs

Learn how to qualify for a U.S. mortgage loan as a non-U.S. resident through case studies, articles, and useful blogs