AM Housing Outlook
The 2026 U.S. Housing Market Outlook for Overseas Investors is a 30-page macro-driven report by America Mortgages' founders, Robert Chadwick and Donald Klip. It synthesizes the Realtor.com and NAR 2026 forecasts (mortgage rates near 6–6.3%, price growth of +2.2% to +4%, rising inventory), then goes further: how employment-driven migration from semiconductor, EV-battery and AI data-center megaprojects is concentrating housing demand, our top five states to invest in, and why fiscal deficits, easing monetary policy and election-cycle incentives historically favor U.S. housing. It closes with the AM loan programs for 2026, borrower types, and the step-by-step 30–45-day loan process for expats, green card holders and foreign nationals.
Prefer to read offline? Use the Download button above — the file is a 30-page PDF (4.1 MB).
A macro view of U.S. housing in 2026
The report treats U.S. residential real estate as a strategic asset class — analyzed through liquidity, fiscal policy, labor migration and credit-market structure, then translated into practical mortgage access for overseas buyers.
- 2026 forecasts side by side: Realtor.com (~6.3% average mortgage rates, +2.2% home prices, 4.13M existing-home sales, inventory +8.9%) vs NAR (+14% sales, +4% prices, rates near 6%)
- NAR's top 10 homebuying hot spots for 2026 — Charleston, Charlotte, Columbus, Indianapolis, Jacksonville and more — plus Realtor.com's ten "value metros"
- Migration trends: how CHIPS-Act semiconductor fabs, EV and battery plants and AI data-center builds plausibly support well over 1 million direct, indirect and induced jobs — and why rental demand surges first
- Our top 5 states to invest in — Texas, Ohio, Virginia, Arizona and North Carolina — with a New Albany, Ohio case study near Intel's fab site (median prices up nearly 15% year-over-year)
- Macro drivers: structurally large fiscal deficits, QE and balance-sheet dynamics, rate cuts, bank regulation and pre-midterm political incentives — and why housing historically outperforms in these environments
- The practical half: AM loan programs for 2026 (Expat, Foreign National, Rental Coverage and HNW), the three borrower types, and the 30–45-day loan process from discovery call to funding
- NMLS · America Mortgages Nationwide
- 2810389
- lender programs
- 150+
- U.S. states
- 50
- U.S. credit required
- No
Related resources
Foreign national mortgages
Put the outlook to work — U.S. financing for non-U.S. citizens with no U.S. credit history required.
U.S. expat mortgage loans
Mortgage options for Americans abroad, including programs that accept foreign earned income.
Mortgage calculators
Model payments, rental coverage and affordability on the markets the report highlights.
Talk to a specialist
Discuss the report's markets and get matched to a 2026 loan program with a pre-approval.
Turn the outlook into a funded U.S. mortgage
Our loan officers work in your time zone and only serve overseas borrowers. Get matched to the right 2026 program — no U.S. credit history required.