America Mortgages Loan Handbook
The America Mortgages Loan Handbook is a program guide for U.S. expats, foreign nationals, and referral partners who need a U.S. mortgage while living overseas. It profiles our most-used loan programs — including AM Expat+, AM Expat Cash Flow+, AM Foreign National Investor+, AM Rental Coverage+, AM High Net Worth+, AM Commercial+, AM Bridging+ and AM Student+ — with, for each, who it's for, key features, maximum LTV, loan-size range, terms, and indicative fees. It shows how borrowers qualify with no U.S. credit history and, on several programs, no U.S. tax returns, closing in as little as 30–45 days from anywhere in the world. Use it as a fast side-by-side reference before you talk to a specialist.
Prefer to read offline? Use the Download button above — the file is a 13-page PDF (3.5 MB).
Every program, side by side
The handbook is a quick reference for u.s. expats & foreign nationalsfinancing U.S. property. Each program lists who it's for, key features, maximum LTV, loan-size range, terms and indicative fees.
- AM Expat+ — full-doc financing for U.S. citizens abroad, up to 80% LTV
- AM Expat Cash Flow+ — qualify on rental income, no personal income docs, up to 85% LTV
- AM Foreign National Investor+ — for non-U.S. citizens, up to 75% LTV
- AM Rental Coverage+, High Net Worth+, Commercial+, Bridging+ and Student+
- Loan amounts from $150,000 to $3M+, 30-year fixed and 5-year ARM, interest-only options
- Eligibility, closing timelines (30–45 days) and indicative origination / appraisal / lender fees
- NMLS · America Mortgages Nationwide
- 2810389
- lender programs
- 150+
- U.S. states
- 50
- U.S. credit required
- No
Related resources
Foreign national mortgages
U.S. property financing for non-U.S. citizens — no U.S. credit history required, up to 75% LTV.
U.S. expat lending
Meet the loan officers who arrange U.S. mortgages for Americans living overseas, in your time zone.
Can a Canadian buy a house in the USA?
A worked example of the foreign-national buying process, financing options and tax basics.
Talk to a specialist
Get matched to the right program from the handbook and a pre-approval. No obligation.
Find your program and get pre-approved
Send a few details and a U.S. mortgage specialist will match you to the right program from the handbook — no U.S. credit history required.