Who Offers the Best U.S. Investment Property Loans for International Buyers?
As international demand for U.S. real estate grows, foreign nationals and U.S. expats face one big challenge: finding a lender that understands their unique, cross-border financial profiles. While HSBC is a global banking giant, it wasn’t built with international property investors in mind especially U.S. property investors. In contrast, America Mortgages was founded to serve this exact market specifically, offering high-LTV loans, flexible mortgage loan programs, and a fully global underwriting model.
This comparison highlights:
- HSBC
- America Mortgages
We’ll evaluate them across critical categories:
- Loan eligibility for foreign nationals
- Global underwriting experience
- Loan structures & flexibility
- Maximum loan size
- Required documentation
- Turnaround time
- Property type coverage
Why America Mortgages Is the #1 Choice for Foreign Nationals & U.S. Expats
Built for Global Investors
While HSBC is known for its international banking presence, its U.S. mortgage division is often constrained by domestic lending policies. America Mortgages, on the other hand, is 100% focused on providing U.S. mortgage loans to non-residents and expats. Their business model, underwriting, and team are all dedicated to serving:
- Foreign nationals with no U.S. credit or residency
- U.S. expats with foreign income and tax returns
- HNW investors with complex international portfolios
- Investor focused DSCR loans that do not require personal income but rather qualify on the ability for the property’s rental income to pay the mortgage
Largest Loan Sizes & High LTV
America Mortgages offers:
- Loan amounts up to $100 million
- LTV ratios up to 80%
- Available for residential, commercial, and portfolio properties
HSBC’s foreign national mortgage options typically cap out between $2M–$3M, with maximum LTVs around 70%, and only for residential properties in select states. For larger deals or diversified portfolios, investors will find HSBC’s products too restrictive. They also require you to establish or maintain an HSBC Premier Bank Account which requires you to park money into an account that is not making money for you. Does this make sense?
Flexible Loan Programs for Global Portfolios
America Mortgages provides an unmatched range of products, including:
- Interest-only loans (fixed up to 10 years)
- Adjustable and fixed-rate mortgages
- Bridge financing, cash-out, refinance, and portfolio loans
- Commercial and short-term rental/Airbnb property financing
- No requirement for a U.S. credit score, SSN, visa or residency
HSBC, while offering select expat-friendly products, tends to have:
- More rigid underwriting and loan terms
- Lower flexibility using only personal income to qualify
- Limited property types (mainly residential)
- Strict documentation standards tied to U.S. financial identity
Global Reach with Local Expertise
America Mortgages underwrites borrowers in 50+ countries, accepting:
- Foreign tax returns and financials
- Non-U.S. business and self-employment income
- International bank and investment statements
HSBC may have strong global branding, but its U.S. mortgage operations often require U.S.-based documentation, proof of U.S. income, or established U.S. credit, reducing accessibility for non-residents and foreign investors.
Lender Comparison Table
| Lender | Foreign National Friendly | Max LTV | Max Loan Size | Credit History Needed | Investment Focus | Property Types | Loan Flexibility |
| America Mortgages | ✅ Designed for foreigners | 80% | $100M+ | ❌ No U.S. credit needed | ✅ Yes | ✅ Residential + Commercial | ✅ Very High |
| HSBC | ✅ Global bank, U.S. limited | 70% | $2M–$3M | ✅ Usually required | ❗ Not investor-focused | ✅ Residential | ❗ Medium |
Common Pitfalls with HSBC for Foreign Investors
- Documentation tied to U.S. credit and income
- Limited loan sizes and lower LTVs
- No commercial or portfolio lending
- Inflexible loan programs tied to bank underwriting
- Longer approval cycles for foreign buyers
- May require U.S. tax returns or W-2 income for U.S. expats
Who Should Choose America Mortgages?
- Foreign nationals with no U.S. credit history
- U.S. expats earning and filing abroad with no W2 required
- Investors purchasing rental properties or commercial real estate
- Buyers seeking $1M+ loans or bridge/refinance options
- Clients looking for a concierge-style lending experience across borders
Final Verdict: America Mortgages Dominates International U.S. Lending
While HSBC brings global name recognition, it falls short on flexibility, product range, and accessibility for foreign buyers investing in U.S. real estate. America Mortgages, by contrast, delivers exactly what international investors need: high LTVs, large loan capacities, no U.S. credit requirements, and loan programs tailored to global income and documentation.
Contact: [email protected]
Website: www.americamortgages.com
Speak to a U.S. Loan Expert 24 hours a day / 7 days a week: +1 845-583-0830
Need help getting started? Use their 24/7 online booking tool to schedule a free, no-obligation consultation with a licensed U.S. mortgage advisor. https://www.americamortgages.com/home-mortgage-for-foreign-national-form/
