America Mortgages | Global Mortgage Group (GMG)
The Honest Comparison Every Serious International Investor Needs to Read
The US mortgage market for foreign nationals and international investors has attracted numerous players in recent years. Griffin Funding, HomeAbroad, Defy Mortgage, Angel Oak, A&D Mortgage — all of them offer some version of a foreign national DSCR program. All of them compete for the same borrowers. All of them have marketing materials that sound compelling.
Here is the complete, honest, fact-based comparison, so you can make the decision that is genuinely best for your US real estate investment journey.
The Competitor Analysis: What Each Actually Offers
Griffin Funding
What they are: A direct mortgage lender based in the US, operating in 47 states, with a well-built content marketing operation and a strong domestic DSCR presence.
What they offer for international investors:
- Foreign national DSCR loans: Available, with higher documentation requirements
- Maximum loan: $4,000,000 (DSCR programs)
- Average DSCR loan size (all borrowers): $292,026
- FICO minimum: 620
- Close time: Average 34 days
- Foreign national-specific expertise: Limited, this is a domestic lender that accommodates foreign nationals, not a lender built for them
- Asian/global office: None
- Programs accessed: Single lender (their own programs)
- Languages: English only
Where Griffin falls short for international investors:
- No Asian time zone office for clients in Singapore, Hong Kong, Tokyo, or Seoul
- No multilingual team for clients in Spanish, Mandarin, Hindi, Japanese, Arabic, or other languages
- $4M loan ceiling prevents serving HNW clients above this threshold
- Single-lender program limits flexibility for complex situations
- No bridge loan product for fast acquisition
- No institutional-scale lending capacity
HomeAbroad
What they are: A US-based mortgage broker and real estate platform specifically targeting foreign nationals and international investors, with a strong content marketing presence.
What they offer:
- Foreign national DSCR loans with rates from 6.87%–7.12%
- Real estate agent network (500+ agents)
- Content resources and educational guides
- US-based team with foreign buyer focus
Where HomeAbroad falls short:
- US-based operations only — no Asian or global time zone office
- No bridge loan product
- Limited lender panel (not 150+ programs)
- Loan ceilings of ~$3M in most DSCR programs
- No Singapore/Hong Kong institutional capital access
- No expertise in Asian banking documentation (CPF, MAS-regulated structures, Indonesian OJK, Malaysian BNM)
- Content is good — but operations are entirely US-centric
Defy Mortgage, Angel Oak, A&D Mortgage
These are specialist non-QM lenders with foreign national DSCR programs. They are US-based, US-operated, English-language, and serve the standard foreign national borrower profile well within their program parameters. None has an international presence, bridge loan capacity at institutional scale, or the global network that America Mortgages/GMG provides.
America Mortgages / GMG: The Category of One
America Mortgages is not a better version of Griffin Funding or HomeAbroad. It is a categorically different company that occupies a market position no competitor can replicate.
Headquartered in Singapore: The world’s only internationally headquartered mortgage company serving the US market. Singapore is the financial capital of Asia, the city where the family offices, private banks, and institutional investors who fund GMG’s capital base are located. This is not a marketing statement. It is a structural advantage.
57-country global operations: When a client in Jakarta needs a US DSCR loan, America Mortgages’ Singapore team speaks their language (Indonesian/Javanese), understands Bank Mandiri and BCA bank statements, knows the OJK regulatory framework, and can advise on the Indonesian legal considerations for overseas investment. No US-based competitor can do this.
150+ US lender programs: America Mortgages is both a direct lender and a broker, accessing over 150 US bank and lender programs. When a borrower’s situation doesn’t fit one lender’s criteria (and it often doesn’t for complex foreign national files), America Mortgages finds the program that does. This is the most important practical advantage in the market.
Bridge + DSCR under one roof: The only company that provides:
- Asset-based bridge loans: $500,000 to $75,000,000+, closing in 8–21 days, no documentation
- DSCR 30-year mortgages: From 6.875%, property income qualification
- Bridge-to-DSCR transition: Seamless, same company, no documentation restart
No competitor offers this complete spectrum.
24/7 global team: When it is 9pm in Singapore (9am in New York), America Mortgages’ team is available. When it is 3pm in London (10am in New York), America Mortgages is available. This matters, US real estate moves fast, and the investor who can reach their mortgage team when they need them wins more deals.
The Key Performance Metrics: America Mortgages vs. the Field
| Metric | America Mortgages | Griffin Funding | HomeAbroad |
| Loan types | DSCR + Bridge + Portfolio | DSCR only | DSCR only |
| Max DSCR loan | $5M+ | $4M | ~$3M |
| Bridge loans | To $75M+ | None | None |
| Lender programs | 150+ | 1 (direct) | Limited panel |
| Global offices | Singapore + US + 57 countries | US only | US only |
| Foreign national expertise | Core business since founding | Accommodation | Core business |
| Time zones covered | All (24/7) | US only | US only |
| Languages | Multiple | English | English |
| Min DSCR rate | 6.875% | 6.125% (well-qualified US borrower) | 6.87% |
| Bridge rate | 8.99% | N/A | N/A |
| Close time (DSCR) | 21–30 days | 34 days avg | 30–45 days |
| Close time (bridge) | 8–21 days | N/A | N/A |
Rates are indicative and market-dependent. All figures based on publicly available information as of June 2026.
The Real Difference: Expertise, Not Just Products
Products can be replicated. Pricing will always be competitive. What cannot be replicated is 20+ years of experience closing international mortgages across every major global real estate market, in every major currency, for clients from every nationality and wealth structure.
When a Singaporean family office is acquiring its fifth US property through a BVI holding structure with reserves in Singapore dollars and a proposed LLC ownership in Delaware, America Mortgages has done this transaction before. Many times. In many variations.
When a UAE investor is purchasing a Miami property with AED reserves from a UAE family business account, America Mortgages has done this too.
When a Chinese national with Hong Kong-held funds and no US credit history wants to purchase a Nashville investment property through a US LLC, America Mortgages closes this routinely.
This expertise is the difference between a transaction that closes and one that falls apart at the underwriting stage. The sophistication of the mortgage advisor is the most important determinant of success for complex international real estate transactions. America Mortgages provides the highest level of that sophistication available anywhere in the world.
The One Question That Settles It
Ask any competing lender: “If I need a $35 million bridge loan on a Beverly Hills estate, closing in 14 days, for a Singapore family office with no US documentation — can you do it?”
Griffin Funding: No ($4M maximum, 34-day average, US documentation preferred).
HomeAbroad: No (no bridge product, $3M DSCR maximum).
Every other competitor: No.
America Mortgages: Yes. We have done it. We close this transaction in 14 days. We have done $75 million. We have served Singapore family offices with no US documentation. This is not an edge case for us. This is a representative transaction.
The answer to that question is the only comparison you need.
Contact America Mortgages
Website: AmericaMortgages.com | GMG.asia
US: +1 830-217-6608
Singapore: +65 8430-1541
Email: [email protected]
Call: +1 (845) 583-0830
