AM Student+ Loan Program
The AM Student+ program sheet is for parents buying a U.S. property for their children to live in while attending school. The loan qualifies using U.S. and/or foreign income, with no U.S. credit history required. Terms as published: loan amounts from $150,000 to $3,000,000, up to 75% LTV on purchases (70% on refinance or equity release), a 30-year fixed term with a 10-year interest-only option, available in all 50 states, with closing documents signable outside the U.S. and 30–45 day closing times. The sheet opens with a letter from CEO Robert Chadwick on why America Mortgages exists and its 97% approval rate.
Prefer to read offline? Use the Download button above — the file is a 4-page PDF (3.2 MB).
Buy where your child studies
The sheet lays out how parents finance a home near campus — qualified on your U.S. and/or foreign income, with no U.S. credit history required.
- Who it's for: parents purchasing a property for their children to live in while attending school — purchase, refinance or equity release
- Qualify using U.S. and/or foreign income — no U.S. credit history required
- No U.S. credit required; sign closing documents outside the U.S.; 30–45 day closing times
- Loan amounts from $150,000 to $3,000,000 (above $3M, see AM High Net Worth+); max 75% LTV on purchases, 70% on refinance / equity release
- 30-year fixed term with a 10-year interest-only option that converts to a 30-year P/I fixed; all 50 states; student housing / personal use; any employment type
- Costs as published: 2% origination (success fee), appraisal $550–750 on average, lender fee approx. $1,600, settlement costs by state — funded via U.S. wholesale lenders
- NMLS · America Mortgages Nationwide
- 2810389
- lender programs
- 150+
- U.S. states
- 50
- U.S. credit required
- No
Related resources
Foreign national mortgages
Non-U.S. citizen parents: the full financing picture, from eligibility to closing from abroad.
U.S. expat mortgage loans
American parents overseas can finance student-city property with expat programs up to 80% LTV.
All loan programs
Compare AM Student+ with Rental Coverage+, Investor+ and the rest of the AM program family.
Talk to a specialist
Tell us the university town and we'll check what the property's rent qualifies you for.
Finance your child's U.S. home on the property's own rent
A specialist will run the numbers for your target university town — qualified on U.S. and/or foreign income, no U.S. credit history required.