Singapore-Headquartered Lender Closes Institutional-Scale U.S. Bridge Loans in as Few as Eight Business Days, Serving Foreign Nationals and U.S. Expats That Conventional American Banks Cannot Accommodate
SINGAPORE / NEW YORK / LOS ANGELES — June 6, 2026 — America Mortgages, Inc., the U.S.-licensed mortgage subsidiary of Global Mortgage Group (GMG), has emerged as the leading cross-border originator of asset-based real estate bridge loans for high-net-worth individuals, foreign nationals, U.S. expatriates, and family offices seeking to finance luxury U.S. real estate, a borrower category that conventional American banks and domestic private lenders are structurally ill-equipped to serve.
Headquartered in Singapore, Asia’s premier financial center, and operating across 57 countries, GMG and its U.S. affiliate America Mortgages have built the only global lending platform capable of closing U.S. real estate bridge loans from $500,000 to $75 million or more, without requiring Social Security Numbers, U.S. tax returns, U.S. income documentation, or domestic credit histories. The platform’s underwriting is centered entirely on the value of the U.S. real estate asset and the viability of the borrower’s exit strategy.
Serving the Borrowers American Banks Have Left Behind
The structural limitations of the U.S. conventional mortgage market have created a well-documented gap for internationally mobile, globally wealthy borrowers. American banks require documentation frameworks designed for U.S. residents with domestic income: W-2 employment records, multi-year U.S. tax returns, U.S. credit scores, and Social Security Numbers. For a Chinese national acquiring a Beverly Hills estate, a Singapore-based U.S. expat seeking to leverage a Manhattan apartment, or a Brazilian family office establishing a Palm Beach residence, these requirements are structurally impossible to satisfy.
Robert Chadwick, Global Co-CEO of GMG and founding architect of the America Mortgages platform, has observed this market gap firsthand across more than two decades of international mortgage origination.
“The clients who need this most are precisely the ones the U.S. banking system cannot serve,” said Chadwick. “A Hong Kong family office that has structured its wealth across Singapore, BVI, and Cayman vehicles to acquire a $30 million Beverly Hills estate is not a difficult credit risk. The collateral is exceptional. The exit strategy is clear. The only problem is documentation, and documentation is the one thing we don’t require. The property is the credit. That’s the entire philosophy.”
Institutional Asian Capital as a Structural Lending Advantage
At the core of America Mortgages’ competitive position is its access to institutional Asian capital deployed from Singapore. This capital base, drawn from the family office ecosystem, institutional investors, and private wealth pools that have made Singapore the fastest-growing financial center in the world, enables loan pricing and capacity that domestic U.S. private lenders cannot match.
Singapore’s real estate investment volume surged 433% year-over-year in the first quarter of 2026, according to data published by JLL, reflecting the extraordinary depth of capital available for global real estate credit strategies. Asia Pacific family offices, which Julius Baer’s 2025 Family Barometer identified as increasingly active in cross-border direct real estate investment, represent a natural capital source for U.S. luxury real estate bridge loans that offers favorable relative yield on a risk-adjusted basis.
“Asian institutional investors look at U.S. luxury real estate bridge loans and see exactly what they should see,” said Donald Klip, Global Co-CEO of GMG. “USD-denominated returns. Hard collateral in the world’s most liquid real estate markets. Short durations. Strong covenant protection. The risk-adjusted yield is compelling relative to Asian fixed-income alternatives. That capital advantage translates directly into better loan terms for our borrowers, and that’s the reason sophisticated global investors consistently choose us over domestic options.”
Transaction Volume and Market Coverage
America Mortgages and GMG have closed bridge loan transactions spanning California, New York, Florida, Colorado, Texas, Hawaii, and additional U.S. states. The company’s California activity, concentrated in Beverly Hills, Bel Air, Malibu, Pacific Palisades, San Francisco, Silicon Valley, Newport Beach, and Santa Barbara, represents its most active market. The Florida platform, serving Palm Beach, Miami Beach, Naples, and Sarasota, has seen rapidly increasing transaction volume as international buyer demand for Florida luxury real estate accelerates.
The company published its monthly bridge loan funding report in February 2025, covering 11 closed transactions across five countries including the United States, with an average funding timeline of under 14 business days.
Recent U.S. transactions have included:
- A $75 million bridge loan secured against a 4.2-acre entitled land parcel in Bel Air, California, enabling a developer to complete a competitive acquisition against a public REIT before seller deadline.
- A $10 million bridge loan for an Indonesian family office against three California residential properties collectively valued at $17 million, funded in two weeks with no U.S. documentation.
- An $18.5 million bridge loan for a Singapore-based developer against a commercial site in Southern California, closing in 16 business days without U.S. income verification.
Specific transaction details shared with borrower consent and anonymized where appropriate.
The Platform’s Borrower Profile
America Mortgages serves four primary borrower categories:
Foreign Nationals: Citizens of any country acquiring or refinancing U.S. real estate. The lender serves borrowers from Singapore, China, Hong Kong, Indonesia, Malaysia, South Korea, Japan, India, Australia, Brazil, Colombia, Israel, the United Arab Emirates, and across Europe and the Middle East.
U.S. Expatriates: American citizens living and working abroad whose income is structured offshore. Estimated at nine million individuals globally, this community represents one of the most systematically underserved segments in U.S. real estate lending.
High-Net-Worth Domestic Borrowers: U.S. residents whose income structures, through trusts, LLCs, private equity distributions, or other alternative vehicles, do not fit conventional underwriting frameworks.
Family Offices and Institutional Investors: Single and multi-family offices allocating to U.S. luxury real estate at the portfolio level, requiring a lender capable of operating at institutional standards of confidentiality, speed, and structural flexibility.
Operational Capabilities
America Mortgages’ operational framework has been purpose-built for the demands of the global HNW borrower:
- Preliminary term sheet: Issued within 48 hours of initial inquiry
- Minimum closing timeline: 8 business days from inquiry to funded loan
- Loan sizes: $500,000 to $75,000,000+
- LTV: Up to 70–75% on qualifying U.S. luxury assets
- Rates: From 8.99% per annum in 2026
- Loan term: 12–24 months, interest-only
- Documentation required: Property documentation and exit strategy evidence. No U.S. tax returns, no SSN, no U.S. credit history
- Eligible structures: Individual, LLC, trust, corporation, offshore entity
- Geographic coverage: All 50 U.S. states
- Global team: 24/7 coverage across Singapore, U.S., and global offices
About America Mortgages, Inc.
America Mortgages, Inc. is a U.S.-licensed mortgage company and the American subsidiary of Global Mortgage Group (GMG). The company provides asset-based real estate bridge loans to foreign nationals, U.S. expatriates, high-net-worth individuals, family offices, and institutional borrowers across all 50 U.S. states. America Mortgages specializes in serving borrowers that conventional U.S. banks cannot accommodate, providing institutional-scale financing at closing timelines that the U.S. domestic hard money market cannot match.
About Global Mortgage Group (GMG)
Global Mortgage Group Pte. Ltd. is the world’s leading international mortgage company, headquartered in Singapore and operating across 57 countries. GMG provides cross-border mortgage and bridge loan services to foreign nationals, expatriates, and high-net-worth individuals globally, drawing on its Singapore-based institutional capital platform to deliver market-leading terms for clients seeking financing in the United States, United Kingdom, Australia, Canada, and across Asia Pacific.
Media and Broker Contacts
Robert Chadwick
Global Co-CEO, Global Mortgage Group / America Mortgages
US: +1 830-217-6608
SG: +65 8430-1541
Donald Klip
Global Co-CEO, Global Mortgage Group / America Mortgages
Website: AmericaMortgages.com | GMG.asia
For broker partnership inquiries: [email protected]
