Author: America Mortgages

The U.S. housing market may be entering its next major transformation. With property prices climbing, interest rates easing, and affordability dominating headlines, a new proposal could redefine how Americans and international investors buy homes: the 50-year mortgage.

According to The Hill, FHFA Director Bill Pulte confirmed that the Trump administration is working on introducing 50-year mortgage terms for homebuyers. In an X post, Pulte called it a “complete game changer,” following President Trump’s Truth Social statement.

For investors who have followed the trends discussed in Why 2026 Could Be a Breakout Year for U.S. Real Estate Investors, this potential policy shift reinforces one message: buy before the surge.

How the 50-Year Mortgage Could Reshape the Market

The proposed 50-year mortgage could redefine the standard established under FDR’s New Deal when the 30-year term became the norm. As Marketplace explains, longer loan durations were introduced to restore affordability after the Great Depression.

Extending amortization to 50 years would reduce monthly payments and expand eligibility for millions of buyers. But as seen in Why Foreign Investors Are Pouring Billions into U.S. Real Estate, affordability often leads to competition, and rising demand quickly lifts prices.

For investors, particularly international buyers eyeing the U.S. real estate market, this change could trigger the next period of strong price appreciation.

Lower Rates, Higher Prices, and Why Timing Is Everything

Average 30-year fixed rates recently increased slightly to 6.22 percent after four weeks of declines, according to The Hill’s AP Business report. Yet rates remain well below last year’s highs, making this an ideal time to lock in financing.

As outlined in Here’s How You Can Ride the U.S. Real Estate Wave, falling rates and limited housing supply often lead to new appreciation cycles. Add the 50-year term to the mix, and affordability may improve briefly before prices rise again.

Meanwhile, The Hill reports that Google searches for “help with mortgage” have hit their highest levels since 2009, revealing mounting affordability pressures. The MBA Newslink shows adjustable-rate mortgages now make up 10 percent of new applications, the highest in nearly two years.

Borrowers are clearly searching for flexibility, and investors who move now can capture favorable pricing before the market reacts.

Behind the Scenes: Policy, Politics and the Market Shift

The 50-year mortgage discussion is as political as it is economic. President Trump has emphasized his goal to bring affordability back for younger Americans. According to The Hill, FHFA Director Bill Pulte, who oversees Fannie Mae and Freddie Mac, also supports a possible plan to take the two entities public again by late 2025.

If the proposal moves forward, it could create greater liquidity, encourage longer-term lending, and spur a wave of home purchases similar to the pattern seen in Why Many Homebuyers Are Eyeing a Purchase Before End-2025. Any meaningful improvement in affordability today could accelerate demand and prices tomorrow.

What This Means for Global Investors

For international buyers and non-U.S. residents, this development presents an opportunity and urgency.

• Longer repayment terms can make higher-value U.S. properties accessible.
• Lower rates may support stronger rental yields.
• Acting now can secure early equity growth before prices climb.

As highlighted in U.S. Luxury Property Investments, global investors are already adjusting strategies to capture near-term U.S. real estate value before policy changes reshape affordability.

How America Mortgages Helps You Get Ahead

At America Mortgages, we specialize in helping foreign nationals and international investors access U.S. real estate financing quickly and transparently.

• No U.S. income or credit history required for investment properties
• Qualification using international income or assets
• Fixed and adjustable rates tailored for non-resident buyers

Our lending programs support property purchases, refinancing, and cash-out solutions. Investors from Singapore, the U.K., Hong Kong, and beyond can also explore bridging loans, real estate-backed loans, and asset-based mortgages through our partner network to enhance liquidity and cross-border investment flexibility.

Contact us at [email protected] to learn how to secure your U.S. property financing today.

Key Takeaways

The 50-year mortgage proposal may lower monthly payments, but it will also drive up demand and property values once implemented. With interest rates easing and affordability initiatives on the horizon, investors should act now while pricing remains favorable.

Frequently Asked Questions

Q1. What is a 50-year mortgage and how does it work?

A: It is a proposed housing-finance option that extends repayment to 50 years, lowering monthly payments but lengthening overall debt. It follows historical affordability reforms described in Why 2026 Could Be a Breakout Year for U.S. Real Estate Investors.

Q2. How will it affect home prices?

A: Lower monthly costs will increase buyer demand, which in limited-inventory markets leads to rising property prices. This is consistent with trends discussed in Why Many Homebuyers Are Eyeing a Purchase Before End-2025.

Q3. Can foreign nationals qualify for financing through America Mortgages?

A: Yes. America Mortgages offers programs that allow international investors to finance U.S. property without U.S. credit or income, using global income or assets to qualify.

Q4. When could this policy be implemented?

A: The FHFA and Trump administration have confirmed discussions, with possible rollout in 2026. Investors who act now can secure favorable terms before prices adjust.

Housing affordability in the United States is entering a new phase, and buyers who understand the changing landscape are acting now. Mortgage rates have stabilized in the low six percent range, inventory remains tight across major metros, and policymakers are exploring new financing structures that could reshape demand.

According to The Hill, the Trump administration is reviewing the introduction of a 50-year mortgage to expand affordability for younger and first-time buyers. This proposal, combined with easing inflation and resilient buyer demand, could shift the U.S. real estate market quickly. For international investors and non-resident buyers, this means one thing. It may be better to secure financing before the market adjusts again.

A Changing Market: Why Rates and Terms Matter Now

Recent analysis from CNBC shows that mortgage rates are stabilizing but remain highly sensitive to economic data and Federal Reserve signals. Although rates have retreated from their 2023 highs, they are still elevated enough to limit affordability for many domestic buyers.

At the same time, The Hill’s housing market update notes that the 50-year mortgage proposal could be part of a larger federal effort to address affordability pressures. While the long-term financial benefit to borrowers may be limited, the psychology of increased access often drives demand higher. This demand surge can raise home prices, especially in supply-constrained areas such as California, Florida, and Texas.

For global investors evaluating markets described in the U.S. Real Estate Market Outlook 2026, these financing shifts often create a brief advantage. By securing mortgages while rates are steady and before new programs attract more domestic buyers, investors protect their position ahead of the next competitive cycle.

Supply Constraints and Price Dynamics

Inventory remains one of the largest drivers of price volatility. Redfin’s national data shows that available homes for sale remain well below pre-pandemic levels, with new listings trending lower year over year. A supply shortage paired with even minor increases in buyer demand can result in rapid price increases.

This scenario matches patterns identified in Why Many Homebuyers Are Eyeing a Purchase Before End 2025, where early movers benefit from buying before renewed demand tightens prices further. As potential affordability measures gain attention, more U.S. based buyers may re-enter the market and drive prices upward.

Why Smart Buyers Move Early

Smart buyers, including international investors, understand that the best opportunities in U.S. real estate often appear before the mainstream market responds. Choosing to act before financing changes become widespread can create significant long-term value.

This is also consistent with the behavior seen among luxury buyers in U.S. Luxury Property Investments: Why Global Investors Are Buying. High net worth and overseas investors tend to move into strong markets before affordability policy shifts create new competition.

Additionally, foreign nationals planning for future personal use, investment diversification, or even long-term education goals, as discussed in the 2025 Ivy League Guide for Overseas Applicants, often secure U.S. property early to lock in rates and pricing.

For Foreign Nationals: A Window of Opportunity

International buyers possess a strategic edge because their financing decisions are influenced by global income and asset structures. They can act before local affordability measures reshape buying patterns.

Guidance from How to Buy a Second Home in the U.S. as a Foreign National highlights how non-residents can qualify without U.S. credit or income. This is a major advantage now, as extended term financing and favorable rate signals may soon bring more U.S. based buyers back into the market.

Foreign investors can also leverage the solutions outlined in the World’s First U.S. Mortgage Solution for Wealth Management Distribution, allowing them to execute purchases quickly and efficiently across multiple portfolios.

How America Mortgages Helps You Secure Your Position

At America Mortgages, we specialize in U.S. real estate financing for foreign nationals and global investors. Our programs are designed for buyers who want to secure property financing using international income or assets without requiring U.S. credit history for investment properties.

We provide

• Competitive fixed and adjustable rate options
• International underwriting that accommodates global income
• Full guidance on long-distance and cross-border closings

Our team helps investors act before market conditions shift. Whether you plan to acquire a second home, diversify investment assets, or build long-term U.S. property exposure, now is the right time to evaluate your financing.

Key Takeaway

Housing costs in the United States are at a turning point. Mortgage rates are stabilizing, supply remains tight, and proposed federal changes could stimulate new demand. History shows that when financing conditions shift, home prices respond quickly. The smartest investors are choosing to secure their U.S. mortgages today while the market is still in transition.

Frequently Asked Questions

Q1. Are mortgage rates expected to fall significantly next year?

A: Most analysts expect only modest declines. Rates may drift lower, but not enough to dramatically change affordability. Acting now can prevent buyers from competing in a more active market later.

Q2. Could the 50-year mortgage reduce housing costs?

A: According to reporting from The Hill, the plan could improve monthly payments but is unlikely to reduce overall housing costs. Increased access tends to push prices higher.

Q3. How can foreign nationals secure a U.S. mortgage quickly?

A: Foreign nationals can qualify through America Mortgages using global income, assets, or existing property portfolios. Our programs, described in the Wealth Management Distribution mortgage solution, are designed to help non-residents move faster than the market.

The U.S. – Canada Connection: Why New York Leads the Way

For Canadian investors, property investment in New York offers both familiarity and financial upside. The U.S. real estate market has long been a preferred diversification route for Canadians seeking yield, stability, and U.S. dollar exposure — all within easy reach.

According to Colliers North America’s Investment Trends 2025, Canadians remain the top foreign buyers of U.S. properties, accounting for nearly 20% of cross-border transactions. New York stands out due to its liquidity, consistent capital appreciation, and rental demand.

America Mortgages bridges the gap between both markets, offering fast-approval mortgage loans for Canadians, no U.S. income or tax returns required, with up to 75% loan-to-value (LTV).

Why Canadians Choose New York Over Other States

1. Accessibility and Connectivity
   With frequent flights from Toronto, Montreal, and Vancouver, managing or visiting properties in New York is simple. Many Canadians buy pied-à-terres in Manhattan or vacation condos in Long Island.
2. Market Resilience and ROI
   The U.S. Real Estate Market Outlook 2026 confirms that New York continues to outperform most major markets in price stability and investor returns. Rental yields in emerging neighborhoods such as Queens and Brooklyn remain among the most competitive globally.
3. Legal Transparency
   Unlike certain markets that restrict foreign ownership, the U.S. offers full title rights to Canadian citizens. Partnering with real estate lawyers in New York ensures smooth entity setup and compliance under the U.S.–Canada tax treaty.

Property Types Canadian Investors Prefer

Residential Properties
Luxury condominiums and urban townhouses in Manhattan and Brooklyn are highly sought after. For families, proximity to educational institutions is a driving factor. America Mortgages’ Ivy League guide and Top U.S. High Schools Property Investment Guide provide insights for parents investing with both purpose and profit in mind.

Commercial Properties
Many Canadians are exploring real estate commercial New York, including logistics hubs, mixed-use retail, and office conversions. Using bridge or DSCR mortgage loans, they can acquire high-value assets quickly without waiting for traditional banking approval.

Multi-Family Buildings
Institutional and family investors from Canada are drawn to steady cash flow and long-term appreciation. These properties complement their established rental portfolios in cities like Toronto and Vancouver, but with stronger dollar-based returns.

Property Uses: From Education to Expansion

Canadians use property investment in New York to meet lifestyle, income, and strategic goals:

• Education-Based Investments: Parents often buy apartments for children studying in the U.S. These homes later become rental assets, generating steady income.
• Passive Income: The city’s deep tenant base allows investors to maintain occupancy year-round.
• Portfolio Expansion: Many leverage cash-out mortgage loans to reinvest capital across other U.S. cities or diversify into commercial holdings.
• Legacy Planning: Real estate ownership is frequently structured into trusts for succession planning, ensuring generational wealth transfer.

Financing Options for Canadian Investors

America Mortgages offers Canadians a diverse range of loan products tailored for cross-border ownership. Every mortgage loan is designed to simplify qualification for non-U.S. residents while optimizing investment leverage.

Available Loan Types:

• Purchase Loans – For residential or commercial acquisitions.
• Refinance Loans – To optimize existing mortgages.
• Bridging Loans – Quick financing for time-sensitive transactions.
• Cash-Out Equity Loans – Unlock funds from owned U.S. assets.
• Portfolio Loans – Combine multiple properties under one structure.
• DSCR Loans – Approval based on property rental income.
• 30-Year Fixed Loans – Long-term rate security.

Many high-net-worth Canadians use the U.S. Luxury Property Investment Guide to align mortgage structures with asset goals, ensuring tax efficiency and liquidity.

Market Performance and Long-Term View

A strong USD and consistent rental demand keep property investment in New York a cornerstone of international portfolios.
According to the National Association of Realtors (NAR) 2024 International Transactions in U.S. Residential Real Estate Report, Canadian investors remain one of the largest foreign buyer groups in the United States, with New York among their preferred markets for income-producing assets and second homes.

Luxury real estate and prime rental sectors continue to outperform, driven by limited supply and stable financing conditions. Through America Mortgages, Canadian buyers can access competitive fixed-rate mortgage loans, ensuring predictable payments and strong long-term returns even in shifting interest-rate environments.

Tax and Legal Considerations

The U.S.–Canada Double Taxation Agreement allows Canadian investors to offset U.S. property income taxes at home, avoiding double taxation. Strategic entity formation (LLC or trust) with guidance from real estate lawyers in New York can optimize estate planning and reduce FIRPTA exposure.

For practical planning details, Tax-Smart Strategies for U.S. Real Estate Investors explains how non-residents manage deductions and maintain compliance under U.S. law. The Canadian Revenue Agency Cross-Border Real Estate Guide also provides step-by-step reporting requirements for Canadian taxpayers with U.S. holdings.

Why Canadians Work with America Mortgages

For Canadians pursuing property investment in New York, America Mortgages is more than a lender; it’s a partner in cross-border wealth growth. The firm’s non-resident programs combine fast processing with flexible underwriting, focusing on global assets, not local tax returns.

Its market expertise, showcased in the Overseas Buyers of U.S. Real Estate Guide, demonstrates how international clients, especially Canadians, can structure investments for both lifestyle and legacy outcomes.

Final Thoughts

For Canadians, property investment in New York offers the perfect mix of opportunity, accessibility, and U.S. dollar strength. With stable laws, robust rental markets, and modern financing options, New York continues to be one of the most secure global destinations for real estate growth.

Whether funding a condo for family use or acquiring an income property through a mortgage loan, America Mortgages delivers clarity, speed, and personalized service every step of the way.

To start your U.S. financing journey, contact us now or email us at [email protected].

Frequently Asked Questions

Q1. Can Canadians easily qualify for mortgage loans in the U.S.?

A: Yes. Through America Mortgages, Canadian residents can qualify for U.S. mortgage loans without a U.S. credit history or tax returns. Approval is based on asset strength, income stability, and global financial documentation.

Q2. What types of properties can Canadians invest in?

A: Options include residential condos, real estate commercial New York developments, and multi-family rentals. Investors can finance these properties with purchase, refinance, or DSCR loans tailored for non-residents.

Q3. How are taxes handled for Canadians owning New York real estate?

A: Under the U.S.–Canada tax treaty, property income is taxed only once. Deductions for mortgage interest, maintenance, and depreciation are available. Work with real estate lawyers in New York to ensure optimal structure.

Q4. Why is New York a preferred state for Canadian investors?

A: The proximity, stable USD, and transparency make it ideal. With America Mortgages’ flexible financing, property investment in New York offers strong yields, long-term value, and legacy potential.

Hong Kong Capital Moves West: New York as the Next Frontier

For Hong Kong investors seeking global stability, property investment in New York has emerged as a strategic choice for wealth protection, diversification, and intergenerational growth. With both cities serving as financial capitals, the shift from Hong Kong’s constrained property supply to New York’s diversified real estate landscape is a natural progression.

According to JLL Asia-Pacific Cross-Border Investment Outlook 2025, Hong Kong investors accounted for nearly 9% of total Asian capital inflows into the U.S. property market last year, with New York, Los Angeles, and Miami leading destinations. The report attributes this to currency stability (thanks to the HKD-USD peg) and investor appetite for income-generating assets in the U.S. dollar zone.

Through America Mortgages, Hong Kong buyers can seamlessly finance U.S. real estate purchases without a local income or U.S. credit profile, using international banking references and asset-backed loan structures.

Why New York Appeals to Hong Kong Investors

Currency Strength and Liquidity

The HKD’s long-standing peg to the U.S. dollar simplifies international transactions, making property investment in New York more accessible. Investors avoid currency volatility while gaining exposure to one of the world’s most liquid property markets.

Education and Family Planning

With many Hong Kong families sending children abroad, New York’s world-class institutions like Columbia, Cornell Tech, and NYU remain top choices. Buying property near these universities serves both as a lifestyle investment and a long-term housing plan. America Mortgages’ Ivy League guide helps families align educational goals with property strategy.

Regulatory Confidence

Unlike some regional markets with ownership restrictions, U.S. real estate law allows full property rights for foreign nationals. With the right structure and guidance from real estate lawyers in New York, Hong Kong investors can own, refinance, or sell properties with minimal regulatory friction.

Property Types: Where Hong Kong Investors Are Buying

1. Prime Residential Properties
   Luxury condominiums in Manhattan, Midtown, and Tribeca attract Hong Kong buyers looking for appreciation and global prestige. Many also explore Brooklyn’s waterfront developments for rental yield and family living.
2. Commercial and Mixed-Use Assets
   Hong Kong investors familiar with retail and office ownership are diversifying into real estate commercial New York, including logistics facilities and hospitality assets. Financing these through bridge loans or DSCR programs allows quick acquisition and refinancing flexibility.
3. Multi-Family Portfolios
   Some family offices now acquire entire multi-unit buildings for long-term rental income. The model mirrors Hong Kong’s private leasing market, offering stable cash flow in USD and professional management options.

Property Uses: Wealth, Education, and Opportunity

Hong Kong’s investor mindset blends lifestyle and financial purpose. Property investment in New York is often used for:

• Family Relocation or Second Homes: Many affluent families secure U.S. residences in anticipation of future migration or dual residency. Guide for foreign nationals explains flexible options for non-resident homebuyers.
• Rental Income: The city’s global workforce ensures consistent tenancy and high occupancy rates.
• Business Expansion: Entrepreneurs establish offices or retail bases, especially in Manhattan and Queens, using portfolio or cash-out equity loans.
• Legacy Planning: Parents often transfer property holdings to children studying or working in the U.S., blending lifestyle and succession planning.

Financing Options for Hong Kong Buyers

Through America Mortgages, Hong Kong investors gain access to a range of loan products built for international borrowers.

Available Loan Types:

• Purchase Loans – For residential or commercial acquisitions.
• Refinance Loans – To optimize existing mortgages.
• Bridging Loans – Quick financing for time-sensitive transactions.
• Cash-Out Equity Loans – Unlock funds from owned U.S. assets.
• Portfolio Loans – Combine multiple properties under one structure.
• DSCR Loans – Approval based on property rental income.
• 30-Year Fixed Loans – Long-term rate security

The firm’s Wealth Management Mortgage Platform integrates lending with asset management, allowing investors to borrow strategically while preserving liquidity.

Market Insights and External Perspective

Recent South China Morning Post reports highlight a steady rise in outbound property investment as Hong Kong’s high prices drive capital abroad. Many investors view U.S. assets as a defensive hedge against local property cycles and interest-rate pressures.

Similarly, Reuters’ U.S. Real Estate Forecast 2025 projects that institutional and overseas buyers, particularly from Asia, will play a key role in sustaining demand across major cities like New York.

By pairing this data with local expertise, America Mortgages ensures that Hong Kong clients make informed, compliant, and profitable investment decisions.

Tax and Legal Considerations

Foreign nationals investing in the U.S. are subject to the Foreign Investment in Real Property Tax Act (FIRPTA). However, structured correctly, many investors minimize withholding tax through proper ownership entities.

Working with real estate lawyers in New York and leveraging America Mortgages’ partner network ensures compliance and optimized asset structuring. Additionally, Hong Kong’s tax system, with no capital gains tax on foreign income, adds another layer of advantage to property investment in New York.

For broader guidance, America Mortgages’ tax-smart strategies resource explains how global investors can manage deductions and compliance under FIRPTA.

Why Hong Kong Investors Trust America Mortgages

With extensive experience financing properties for global buyers, America Mortgages remains the top choice for Hong Kong clients pursuing property investment in New York. The company’s programs are designed for non-resident investors, offering remote underwriting, asset-based lending, and bilingual advisory support.

The Luxury Property Investment Guide demonstrates how Asia-based investors leverage financing to scale international portfolios while keeping liquidity in motion.

Whether funding a first U.S. property or expanding a multi-state portfolio, America Mortgages provides expertise, speed, and confidence every step of the way.

Final Thoughts

For Hong Kong investors, property investment in New York offers unmatched global reach, legal clarity, and stable U.S. dollar returns. It’s both a lifestyle and financial play, a secure path toward diversification, income, and family legacy.

With flexible loan options and deep market expertise, America Mortgages empowers international buyers to turn property goals into global wealth opportunities.

To explore financing options or discuss tailored mortgage solutions, contact our team or email us directly at [email protected].

Frequently Asked Questions

Q1. Can Hong Kong citizens buy and finance property in New York?

A: Yes. Hong Kong residents can legally purchase residential or commercial property in New York. America Mortgages offers up to 75% LTV financing without U.S. income or tax returns. All transactions can be processed remotely.

Q2. What makes New York appealing to Hong Kong investors?

A: Stable USD returns, transparent ownership rights, and education-driven property demand. New York’s legal system and liquidity make it one of the safest international markets.

Q3. Are there currency or tax advantages for Hong Kong investors?

A: Yes. The HKD-USD peg reduces exchange rate risk. Moreover, Hong Kong doesn’t tax overseas property gains, which makes property investment in New York especially efficient for wealth planning.

Q4. What type of loans can Hong Kong investors access?

A: America Mortgages provides bridge, cash-out, portfolio, and 30-year fixed-rate loans. Programs are asset-based, so investors can qualify through global income or property value rather than local documentation.

India-to-New York: A Fast-Growing Wealth Corridor

For India’s affluent professionals and global families, property investment in New York represents a logical next step in wealth diversification. The U.S. city’s transparency, global currency stability, and lifestyle advantages make it a top destination for Indian buyers expanding beyond domestic markets like Mumbai or Bengaluru.

According to JLL India’s 2025 Outbound Investment Report, Indian capital flows into U.S. real estate have more than doubled in three years. A combination of rupee stability, higher rental yields, and relaxed FEMA remittance limits is fueling this growth.

America Mortgages enables Indian nationals to secure financing up to 75 % LTV for both residential and commercial properties, all without a U.S. credit history or local income.

Why New York Appeals to Indian Investors

New York is synonymous with global value, from luxury real estate in Manhattan to high-performing rental markets in Brooklyn and Queens. For Indian investors, it offers three core advantages:

1. Education and Family Migration:
   New York hosts elite universities such as Columbia, NYU, and Cornell Tech. Many Indian families purchase apartments as long-term housing for children studying in the U.S., a trend mirroring the UK student-property phenomenon. America Mortgages’ Ivy League guide helps families understand investment-adjacent education benefits.
2. Stable Returns:
   While prime Indian cities offer 3–4 % rental yield, New York averages 5–6 % according to Bloomberg U.S. Property Outlook 2025. Combined with capital growth and USD exposure, this makes it a strong currency hedge.
3. Legal and Ownership Security:
   U.S. laws allow full ownership rights for non-citizens. With guidance from real estate lawyers in New York, Indian buyers gain clarity on FIRPTA compliance and title security.

Property Types and Investment Opportunities

Residential Properties
For personal or family use, Indians prefer condominiums and apartments in Manhattan, Hudson Yards, and Long Island City. These locations offer lifestyle appeal plus consistent appreciation. Buyers seeking family residences can explore second-home loan solutions through America Mortgages.

Commercial and Mixed-Use Properties
Investors eyeing real estate commercial New York often target office-to-rental conversions or logistics spaces. These assets are eligible for bridge loans and DSCR programs, focused on asset performance instead of borrower income.

Multi-Family and Build-to-Rent
These offer strong income potential and diversification for Indian investors used to co-living or rental housing structures. Property investment in New York in this category is increasing among NRIs looking to create U.S. rental portfolios.

Common Property Uses for Indian Buyers

1. Children’s Education and Residency: Apartments close to universities ensure secure, long-term accommodation and rental returns after graduation.
2. Investment Income: High-demand rental markets in Brooklyn and Queens provide passive income streams.
3. Business Expansion: Many Indian entrepreneurs purchase New York commercial properties for U.S. subsidiaries or corporate use.
4. Asset Diversification: Investors reduce domestic exposure to Indian real estate cycles while gaining a U.S. dollar-denominated asset.

For NRIs exploring broader ownership strategies, America Mortgages’ global investment insights offer a comprehensive perspective on wealth transfer and multi-currency planning.

Financing Options for Indian Investors

America Mortgages offers dedicated non-resident programs tailored for India-based buyers. All applications are processed remotely through international banking documents and foreign income proof.

Loan Types Available:

• Purchase Loans – For residential or commercial acquisitions.
• Refinance Loans – To optimize existing mortgages.
• Bridging Loans – Quick financing for time-sensitive transactions.
• Cash-Out Equity Loans – Unlock funds from owned U.S. assets.
• Portfolio Loans – Combine multiple properties under one structure.
• DSCR Loans – Approval based on property rental income.
• 30-Year Fixed Loans – Long-term rate security.
  

Indian buyers can leverage America Mortgages’ Wealth Management Distribution platform to align their real estate financing with broader private banking goals.

Tax and Compliance Insights

Under India’s Liberalised Remittance Scheme (LRS), residents can legally remit up to USD 250,000 annually for foreign property purchases. This framework enables Indian citizens to participate in property investment in New York without complex approvals.

Indian investors should consult real estate lawyers in New York for FIRPTA and tax treaty compliance. External reports like Economic Times Wealth Desk highlight the tax efficiency of cross-border ownership when structured properly.

For U.S. side clarity, IRS International Property Ownership Guide provides transparent guidelines on withholding and reporting.

Why Partner with America Mortgages

India’s investor community values trust, speed, and expertise, qualities that America Mortgages delivers for every non-resident client. The firm specializes in simplifying property investment in New York through fast approvals, tailored lending options, and global client support.

Through exclusive partnerships with U.S. lenders, investors receive personalized financing and insight into trending sectors. The company’s Luxury Investment Report shows how foreign buyers use financing strategically to scale holdings without limiting liquidity.

Final Thoughts

For Indian investors, property investment in New York offers an avenue for long-term wealth creation, education mobility, and U.S. market access. With robust financing from America Mortgages, Indian buyers can seamlessly own, refinance, or expand their property portfolios internationally.

From family apartments to income-producing commercial assets, the New York market stands out as one of the world’s most secure and rewarding investment hubs.

Start your journey with America Mortgages at [email protected] or contact our team to learn more about financing your next U.S. property.

Frequently Asked Questions

Q1. Can Indian citizens legally buy property in New York?

A: Yes. Indian citizens can legally purchase residential and commercial property in New York under FEMA and LRS regulations. Transactions are processed in USD, and America Mortgages helps arrange loans without U.S. income documentation.

Q2. What loan programs suit Indian investors best?

A: Bridge, DSCR, and 30-year fixed loans are popular. They offer speed, flexibility, and long-term rate stability for foreigners buying property in the U.S. Other options include cash-out and portfolio loans for expanding portfolios.

Q3. How does property investment in New York compare to India?

A: New York offers higher rental yields, stronger tenant protection, and global liquidity. Unlike Indian cities, it has lower ownership risk and better exit options. Legal recourse and asset valuation standards are also more transparent.

Q4. What tax rules should Indian buyers know?

A: Investors must report foreign assets under Indian law and follow FIRPTA for U.S. sales. With the India-U.S. Double Taxation Avoidance Agreement (DTAA), most income is taxed only once if properly structured, your advisor and America Mortgages team can guide you.

Con Đường Bí Mật Mà Người Mua Nhà Việt Nam Chưa Được Biết

Nhiều gia đình Việt Nam vẫn nghĩ rằng để đủ điều kiện vay thế chấp nhà ở Mỹ cần điểm tín dụng Mỹ, khai thuế tại Mỹ hoặc thu nhập tại Mỹ. Thực tế, người mua đủ điều kiện với nhiều chương trình hơn họ tưởng, đặc biệt là các chương trình thiết kế riêng cho người sống ở nước ngoài.

America Mortgages chuyên hỗ trợ vay thế chấp dành riêng cho người nước ngoài, giúp khách hàng Việt Nam vay mua nhà từ Việt Nam với quy trình rõ ràng và tiêu chuẩn thẩm định dự đoán trước được. Để xem tổng quan đơn giản về quy trình cho người Việt, hãy xem Vietnam buyers guide.

Bài viết này tiết lộ những chương trình quan trọng mà hầu hết người Việt không biết rằng mình thực sự đã đủ điều kiện.

Vì Sao Người Việt Dễ Đủ Điều Kiện Hơn Mình Nghĩ

Khách Việt Nam thường so sánh quy định cho vay của Mỹ với ngân hàng Việt Nam. Nhưng chương trình vay thế chấp dành cho người nước ngoài tại Mỹ hoạt động theo một hệ thống hoàn toàn khác—được xây dựng cho thu nhập quốc tế, chứng từ nước ngoài và người không cư trú tại Mỹ.

Dưới đây là những lo ngại phổ biến nhưng không hề ảnh hưởng đến việc được chấp thuận:

• Không cần điểm tín dụng Mỹ
• Không cần thu nhập Mỹ
• Không cần khai thuế Mỹ
• Không cần địa chỉ hoặc thị thực Mỹ

Nhờ vào sự linh hoạt này, việc được chấp thuận vay thế chấp nhà ở Mỹ cho người Việt dễ dàng hơn nhiều so với tưởng tượng.
Các khoản vay mua nhà thứ hai cho phép sử dụng thu nhập tại Việt Nam; khoản vay đầu tư được thẩm định dựa trên thu nhập cho thuê dự kiến của bất động sản—không phụ thuộc vào công việc tại Mỹ.

Những Chương Trình Vay Nhà Ở Mỹ Mà Người Việt Đã Đủ Điều Kiện Từ Trước

Các chương trình vay dành cho người nước ngoài được tạo ra dành riêng cho người mua quốc tế, và hồ sơ tài chính của người Việt phù hợp đặc biệt tốt.

Với người lần đầu mua nhà ở Mỹ, khoản vay không yêu cầu tín dụng Mỹ cho phép sử dụng sao kê ngân hàng quốc tế thay thế điểm tín dụng. Điều này lý tưởng cho gia đình mua nhà phục vụ mục đích du học hoặc đa dạng hóa tài sản.

Đối với nhà đầu tư, các cơ hội mạnh nhất nằm trong các thị trường được phân tích trong market outlook 2026. Người mua cao cấp có thể tìm hiểu phân khúc bất động sản sang trọng trong luxury property trends.

Các gia đình mua nhà cho con đi du học có thể sử dụng thu nhập tại Việt Nam thông qua chương trình mua nhà thứ hai. Trường hợp này được giải thích chi tiết trong Ivy League guide.

Nếu bạn đã sở hữu bất động sản tại Mỹ, các chương trình tái cấp vốn—bao gồm rút tiền mặt (cash-out)—cho phép giải phóng vốn hoặc tối ưu hóa điều khoản lãi suất dài hạn.
Với người mua có tầm nhìn dài hạn, xu hướng như 50-year mortgage insights và hành vi người mua được ghi nhận trong 2025 buyer trends có thể ảnh hưởng đến chiến lược đầu tư.

Vì Sao Các Chương Trình Này Đặc Biệt Phù Hợp Với Người Việt

Người Việt thường có thói quen tiết kiệm tốt, thu nhập ổn định và tư duy tích lũy dài hạn—những yếu tố hoàn toàn phù hợp với tiêu chuẩn xét duyệt dành cho người nước ngoài.

Việt Nam cũng gửi hơn 22.000 sinh viên sang Mỹ mỗi năm, tạo ra nhu cầu ổn định cho nhà ở gần các trường đại học lớn. Nhiều gia đình bắt đầu với mục tiêu du học rồi chuyển sang chiến lược đầu tư dài hạn.

Theo U.S. Census, nhu cầu nhà ở, áp lực thuê và tăng trưởng dài hạn vẫn duy trì mạnh mẽ. Báo cáo của CNBC cũng khẳng định tính bền vững của nhiều thị trường lớn tại Mỹ.
Đối với khách hàng có tài sản lớn, wealth management mortgage solution cung cấp chiến lược tài chính xuyên biên giới giúp kết hợp bất động sản Mỹ vào danh mục đầu tư toàn cầu.

Những người muốn đa dạng hóa dòng thu nhập cũng có thể xem xét U.S. commercial loans với nhiều cấu trúc hấp dẫn dành cho nhà đầu tư giàu kinh nghiệm.

Sự Trỗi Dậy Của Doanh Nhân Việt Nam Trên Thị Trường Nhà Đất Mỹ

Lực lượng doanh nhân Việt Nam—từ chủ doanh nghiệp nhỏ đến các nhà sáng lập công nghệ đang lên—đang trở thành nhóm mua bất động sản Mỹ phát triển nhanh nhất. Khi môi trường kinh doanh Việt Nam toàn cầu hóa, nhiều chủ doanh nghiệp bắt đầu đa dạng hóa tài sản sang các tài sản an toàn, định giá bằng USD. Bất động sản Mỹ đứng đầu danh sách này.

Không giống các ngân hàng Mỹ truyền thống, chương trình vay dành cho người nước ngoài được thiết kế để chấp nhận cơ cấu thu nhập quốc tế, doanh thu từ công ty gia đình và chứng từ tài chính không thuộc Mỹ. Điều này giúp người Việt sở hữu doanh nghiệp dễ dàng tiếp cận các khoản vay thế chấp tại Mỹ.

Ngoài ra, nhiều doanh nhân Việt sử dụng bất động sản Mỹ một cách chiến lược:

• Đa dạng hóa tài sản để tránh biến động tiền tệ
• Tạo thu nhập cho thuê ổn định tại các thị trường Mỹ bền vững
• Chuẩn bị nơi ở cho kế hoạch du học hoặc định cư tương lai
• Tạo tài sản thừa kế định giá bằng USD

Các chiến lược nâng cao hơn có thể kết hợp tài trợ xuyên biên giới với wealth management mortgage solution, cho phép gia đình quốc tế mở rộng danh mục bất động sản Mỹ mà vẫn duy trì thanh khoản. Nhà đầu tư muốn lợi nhuận cao hơn có thể tìm hiểu thêm U.S. commercial loans.

Người Việt Cần Chuẩn Bị Gì Để Vay Mua Nhà Ở Mỹ

America Mortgages đã đơn giản hóa yêu cầu chứng từ để khách hàng Việt Nam có thể hoàn tất toàn bộ hồ sơ từ nước ngoài.

Hồ sơ cần chuẩn bị bao gồm:

• Hộ chiếu
• Sao kê ngân hàng Việt Nam 2 tháng gần nhất
• Chứng minh thu nhập (đối với nhà thứ hai)
• Chứng minh tài chính cho khoản đặt cọc và dự phòng

Điều quan trọng không kém: không cần điểm tín dụng Mỹ, không cần thu nhập Mỹ, không cần khai thuế Mỹ, không cần giấy tờ cư trú.

Thời Gian Xét Duyệt Cho Người Việt Nhanh Như Thế Nào

Hầu hết khách Việt được duyệt trước trong vòng 48–72 giờ.

Quy trình tiêu chuẩn:

• Tư vấn ban đầu
• Cấp thư phê duyệt trước (48–72 giờ)
• Tìm bất động sản
• Thẩm định & kiểm tra hồ sơ
• Ký kết (30–45 ngày)

America Mortgages phụ trách toàn bộ liên lạc, điều phối thẩm định và trao đổi với bên cho vay—giúp người Việt xử lý toàn bộ quy trình một cách trơn tru.

Vì Sao Người Việt Ưa Chuộng America Mortgages

Người mua Việt Nam liên tục đánh giá cao:

• Chuyên môn trong xét duyệt hồ sơ người nước ngoài
• Hiểu rõ cấu trúc thu nhập của người Việt
• Giao tiếp rõ ràng, phù hợp với khách ở quốc tế
• Tiếp cận hơn 50 đơn vị cho vay chỉ với một bộ hồ sơ
• Chương trình phù hợp nhu cầu du học, lối sống và đầu tư

Đây là lý do America Mortgages trở thành con đường hiệu quả nhất để vay thế chấp nhà ở Mỹ cho người Việt.

Kết Luận

Người Việt có nhiều lựa chọn tài trợ bất động sản Mỹ hơn họ nghĩ. Dù mục tiêu là du học, ổn định cuộc sống hay lợi nhuận cho thuê dài hạn, America Mortgages cung cấp con đường minh bạch, đáng tin cậy và phù hợp cho người Việt vay mua nhà tại Mỹ từ xa.
Nếu bạn sẵn sàng tìm hiểu hoặc muốn biết mình đủ điều kiện gì, đội ngũ của chúng tôi có thể hướng dẫn bạn từng bước.

Liên Hệ Nhận Tư Vấn Cá Nhân

Email: [email protected]
Website: America Mortgages

Câu Hỏi Thường Gặp

Q1. Người Việt có cần điểm tín dụng Mỹ không?

A: Không. Khoản vay dành cho người nước ngoài chấp nhận tài liệu thay thế hoặc sao kê ngân hàng Việt Nam. Bạn có thể được duyệt mà không cần tín dụng Mỹ.

Q2. Tôi sống toàn thời gian tại Việt Nam, có thể nộp hồ sơ được không?

A: Có. Không cần địa chỉ, thị thực hoặc tình trạng cư trú tại Mỹ. Hầu hết khách Việt hoàn tất toàn bộ quy trình từ xa.

Q3. Thu nhập Việt Nam có được chấp nhận không?

A: Có—đối với nhà thứ hai. Khoản vay đầu tư dựa trên hiệu suất cho thuê của bất động sản, không phụ thuộc vào lương.

Q4. Thông thường cần bao nhiêu phần trăm đặt cọc?

A: Phần lớn người mua chuẩn bị 25–30%, tùy vào loại hình khoản vay và bất động sản.

為台灣買家開啟全新的美國置產途徑

許多台灣家庭與投資人仍普遍認為，美國房貸只提供給美國人或具有當地財務紀錄的居民。然而事實上，台灣買家比自己想像中更容易符合各種美國房貸方案——通常不需要美國信用、收入或報稅紀錄。

America Mortgages 專精於海外買家的美國房貸，讓住在台灣的買家也能透過流暢且透明的程序購入美國房產。本指南將說明台灣買家常忽略、但其實已符合資格的房貸方案、為何適用，以及如何從海外有信心地開始。

為何許多台灣買家低估自己獲得美國房貸的機會

許多台灣客戶會將美國的貸款制度與台灣本地銀行規則相比，因此誤以為兩者相同。然而美國的「外國人房貸」是專為海外買家設計，申請要求是依國際財務結構量身打造，而不是只看美國本地資料。

多數台灣買家擔心的條件，其實根本不是障礙：

• 無美國信用紀錄
• 無美國收入
• 無美國報稅紀錄
• 無美國居留、地址或簽證

第二住宅房貸可以使用台灣或全球收入；投資房貸則依據物業本身的租金表現，而非申請人的美國薪資。當台灣投資人了解這些差異後，通常會發現原來自己離核准其實不遠。

台灣買家常符合資格的美國房貸方案

美國「外國人房貸」產品，本來就是為居住在海外的買家設計，而台灣投資人的財務狀況與這些方案非常吻合。

其中一項關鍵選項是「無美國信用紀錄房貸」，貸方可接受國際銀行往來紀錄替代美國信用評分。這對首次進入美國市場，或是為子女留學購屋的家庭特別實用。

對於以長期出租為目標的投資人而言，「投資房貸」會著重評估物件的租金收入，而不是申請人的美國工作收入。這類方案特別適用於租金市場強勁的州別，例如在 德州投資洞察 與 佛州融資指南 中提到的區域。

若是為孩子教育或自住生活規劃，台灣買家可申請「第二住宅房貸」，並以台灣收入作為評估基礎。詳細說明可參考 第二住宅購屋指南。

已經持有美國房產的台灣買家，也可以利用「再融資」重整貸款結構，包括現金增貸（cash-out）以釋放資金、或轉換成更長期、更穩定的固定利率方案，支援下一步的全球資產配置。

為何這些方案特別適合台灣買家

台灣買家普遍具有高儲蓄率、穩定收入與長期規劃的特性，這些條件與外國人房貸的審核標準高度一致。許多家庭將美國置產納入多年度的教育計畫，特別是在美國大學密集的城市。若想了解更多教育導向購屋案例，可參考 常春藤申請指南。

美國房市本身也具有長期穩健的基礎。依據 U.S. Census（美國人口普查局） 的資料，歷史上美國住宅市場展現出持續的租金需求與房價成長動能。

同時，佛州、德州、北卡羅來納州與喬治亞州等地，持續在成長與機會面上領先多數州，這也呼應了 CNBC 對美國最強勁房市州別的排名。

若希望進一步分析市場方向與區域機會，可閱讀：

• 2026 美國房市展望（宏觀市場走勢）
• 加州購屋指南（非居民如何在加州購屋與融資）
• 美國高端房產洞察（國際投資人為何鎖定美國精品房產）
• 2025 購屋趨勢報告（2025 年海外與本地買家的行為變化）

台灣買家需要準備哪些文件

America Mortgages 的文件流程設計得簡單且可預期，大部分台灣申請人只需要準備幾項主要資料：

• 護照影本
• 台灣銀行近兩個月對帳單
• 第二住宅用途之收入證明（薪資、事業或其他合規收入）
• 首付款與必要預備金之資產證明

同樣重要的是，「不需要」的項目反而更多：無須美國信用分數、無須美國收入、無須美國報稅紀錄，也無須美國居留身份。這讓第一次從台灣跨境購買美國房產的投資人，門檻大幅降低。

從台灣申請美國房貸大約需要多久？

在標準情況下，多數台灣客戶可以在 48–72 小時內取得預核准，之後即可開始尋找符合目標的州別與物件。若想評估不同地區的優勢與機會，可搭配閱讀前文提到的 德州投資洞察、佛州融資指南 與 2026 美國房市展望。

選定物件後，美國貸方會進入正式審核流程，檢視資產、收入（如為第二住宅）以及房產資料。大多數案件會在 30–45 天內完成過戶，實際時間依州別與物件條件略有差異。整個過程中，America Mortgages 團隊會以海外客戶為核心設計溝通節奏，確保台灣申請人清楚每一步進度。

為何台灣客戶更願意選擇 America Mortgages

America Mortgages 專門服務外國人房貸，而多數傳統美國銀行對於國際文件與海外收入結構並不熟悉，常導致流程緩慢甚至無謂的拒件。透過與超過 50 家貸方及客製化外國人房貸方案的合作，AM 替台灣買家打通進入美國房市的關鍵渠道。

台灣客戶特別看重 AM 對台灣財務文件、事業收入、資產配置以及教育導向購屋案例的理解。這些經驗往往是決定能否順利通過審核的關鍵。對希望系統性布局美國房產的投資人來說，關於我們 一頁即可清楚了解 AM 的專長與定位。

結語

台灣買家能取得的 美國房貸方案 遠比自己想像的更多。無論是為了長期出租收益、購買第二住宅，或是為子女教育做前瞻規劃，America Mortgages 都能提供一條清楚且可靠的融資途徑。搭配簡化文件流程與對台灣客戶友善的審核標準，從台灣踏入美國房市，現在比以往任何時候都更具可行性。

若您已經準備好邁出下一步，也可以直接瀏覽 購買美國房產，了解如何開始您的第一間或下一間美國物業。

聯絡我們｜取得專屬房貸規劃

Email：[email protected]
官網入口：America Mortgages 官方網站

常見問答（FAQ）

Q1. 台灣買家需要美國信用分數嗎？

A: 不需要。許多外國人房貸方案完全不要求美國或台灣信用評分。America Mortgages 可協助使用替代性文件或國際銀行往來紀錄，讓第一次從海外購屋的客戶也能具備良好的核准機會。

Q2. 我住在台灣全職，也能申請美國房貸嗎？

A: 可以。您不需要美國地址、居留證或簽證身分。大部分台灣客戶都是在台灣完成全部流程，由 AM 團隊遠端協助溝通、遞件與與貸方對接，無需親自飛往美國。

Q3. 可以使用台灣收入作為資格審核依據嗎？

A: 可以，但僅限於「第二住宅」用途。投資房貸則以物業本身的租金與現金流來評估，而非申請人的美國薪資。AM 會依您的目標與房產用途，協助選擇最合適的方案結構。

Q4. 台灣買家一般需要準備多少頭期款？

A: 多數客戶會準備約 25–30% 的頭期款，實際比例依物件類型與貸款方案而定。較高的自備款有時能獲得更佳利率或條件，AM 會根據您的財務狀況與目標，提供客製化建議。

Why UK Investors Are Expanding into New York Property

British investors are increasingly drawn to property investment in New York, recognizing it as a stable, high-yield market with global appeal. The city offers transparent ownership structures, strong rental demand, and long-term appreciation potential, a combination often lacking in today’s UK property market.

According to Knight Frank’s U.S. Investment Insight Report, UK-based buyers are among the top five foreign investor groups in Manhattan. Many are motivated by the city’s steady property values and diverse financing options through America Mortgages, which allows foreign nationals to purchase or refinance U.S. properties without a U.S. credit history.

The firm’s dedicated financing program for UK and Canadian buyers makes property ownership accessible while enabling investors to preserve liquidity, a key advantage for those balancing portfolios across currencies and jurisdictions.

A Strong Case for Diversification: London to New York

For seasoned British investors, property investment in New York is not just about geography; it’s about resilience. While London and New York share similarities in transparency and global status, New York’s property yields, particularly in multi-family and commercial segments, continue to outperform.

New York’s rental shortage has created what America Mortgages describes as the perfect investor storm, a combination of high rental demand and limited supply that favors landlords. As a result, yields often exceed those of prime London boroughs.

External research from CBRE’s Global Property Outlook confirms that New York remains one of the most active destinations for international capital inflows, driven by institutional confidence and strong long-term fundamentals.

Property Types UK Investors Should Consider

UK investors entering property investment in New York have a wide spectrum of choices suited to different goals and risk levels.

Residential Investments

British investors frequently target luxury condominiums, penthouses, and family-oriented condos in Manhattan, Brooklyn, and Long Island City. These properties combine strong appreciation with lifestyle appeal, making them ideal for wealth preservation. For buyers seeking personal use, America Mortgages’ second-home guide details financing strategies for holiday or family residences.

Commercial and Mixed-Use Properties

For those focused on real estate commercial New York, retail units, co-working spaces, and logistics hubs remain compelling. Financing is often structured through DSCR or bridge loans, emphasizing asset performance rather than personal income, an advantage for international investors managing global portfolios.

Multi-Family and Build-to-Rent Assets

Multi-family properties offer steady rental income and scalability, allowing investors to manage entire buildings or portfolios. UK institutional investors increasingly view these as a U.S. counterpart to the UK’s build-to-rent model.

Property Uses: From Lifestyle to Legacy

British investors pursue property investment in New York for more than returns, it’s also about access, family, and long-term planning.

1. Income Generation:
   Rental properties in core New York areas deliver consistent yields of 4%–6% annually. Combined with steady appreciation, they provide an effective hedge against inflation and market volatility.
2. Family & Education Use:
   For many families, property near top-tier universities like Columbia, NYU, and Cornell Tech supports children studying abroad. America Mortgages’ Ivy League guide offers insight into pairing education goals with property investment strategies.
3. Business Expansion:
   Some UK entrepreneurs use New York properties as operational or rental hubs, leveraging portfolio or cash-out equity loans to access capital while maintaining flexibility.
4. Legacy & Wealth Diversification:
   Property serves as a tangible asset class for multi-generational wealth transfer. Through America Mortgages, investors can hold assets under international entities, ensuring regulatory compliance and efficient estate management.

Financing Options for UK Investors

Through America Mortgages, British nationals have access to specialized programs that make property investment in New York both attainable and profitable. The process is streamlined for non-residents; no U.S. income, tax returns, or credit score required.

Available Loan Types:

• Purchase Loans: For new acquisitions, residential or commercial.
• Refinance Loans: To improve rates or restructure debt.
• Bridge Loans: Fast, short-term solutions for time-sensitive deals.
• Cash-Out Equity Loans: Release capital from existing U.S. holdings.
• Portfolio Loans: Combine multiple assets under one loan.
• DSCR Loans: Based on property cash flow instead of personal income.
• 30-Year Fixed Loans: Long-term stability for global investors.

The U.S. Luxury Property Investment Report by America Mortgages reveals that financing rather than paying cash has become the preferred strategy among affluent UK buyers, optimizing both leverage and liquidity.

Tax, Legal & Structuring Considerations

Compliance is central to any cross-border investment. UK buyers must adhere to the Foreign Investment in Real Property Tax Act (FIRPTA) and understand U.S. property taxes. The World’s First U.S. Mortgage Solution for Wealth Management Distribution outlines how structured lending can integrate seamlessly with global financial planning.

Collaborating with real estate lawyers in New York ensures buyers choose the right ownership entity, often LLCs or trusts, to minimize tax exposure and simplify estate management. External sources like JLL’s Transparency Index affirm that New York ranks among the most transparent global real estate markets, reassuring institutional and private investors alike.

Why Work with America Mortgages

America Mortgages has become a trusted partner for British nationals pursuing property investment in New York, offering bespoke financing, personalized underwriting, and expert market insights.

The firm’s global investor insights guide emphasizes data-driven decision-making,  understanding market cycles, financing leverage, and strategic portfolio expansion. With dedicated UK client support and transparent fee structures, investors gain a clear path to U.S. property ownership.

Final Thoughts

For British investors, property investment in New York represents opportunity, liquidity, and legacy. It’s a gateway to dollar-denominated wealth, backed by legal stability and a mature rental market.

Whether acquiring income-producing apartments, refinancing commercial spaces, or investing for family use, America Mortgages ensures end-to-end support for non-resident buyers. The firm’s expertise bridges two of the world’s strongest property markets, London and New York, helping investors diversify globally while maintaining full financial control.

Start your U.S. property journey by contacting us or emailing us at [email protected] for more details.

Frequently Asked Questions

Q1. Can UK residents buy property in New York without U.S. citizenship?

A: Yes. UK nationals can purchase residential or commercial properties in New York without citizenship or a U.S. visa. America Mortgages provides foreign national loan programs that allow up to 75% LTV, based on global income or asset documentation.

Q2. What property types offer the best returns for UK investors?

A: Luxury condominiums, real estate commercial New York properties, and multi-family investments provide the best mix of income and appreciation. With New York’s rental market tightening, these assets generate consistent yield and long-term capital growth.

Q3. Are there tax implications for UK investors in the U.S.?

A: Yes. Buyers are subject to FIRPTA on sales and must report global income in the UK. Working with real estate lawyers in New York and tax advisors ensures full compliance while optimizing ownership structures and deductions.

Q4. How does America Mortgages help UK investors secure financing?

A: America Mortgages offers tailored programs, from 30-year fixed loans to DSCR and bridge loans, designed for non-residents. The process is fully digital and requires no U.S. credit, enabling investors to act quickly in competitive markets.

Đối với nhiều gia đình Việt Nam, sở hữu bất động sản tại Hoa Kỳ không chỉ là một mục tiêu đầu tư. Đó còn là biểu tượng của sự an toàn, cơ hội giáo dục, con đường phát triển cho thế hệ tiếp theo và một chiến lược dài hạn để đa dạng hóa tài sản bên ngoài biến động của thị trường bất động sản trong nước. Dù mục tiêu là buy a house in the U.S. cho con đi du học hay xây dựng danh mục cho thuê trong một thị trường ổn định, câu hỏi luôn xuất hiện đầu tiên là: Người Việt có thể vay U.S. home loan mà không cần tín dụng Mỹ, thu nhập Mỹ hay khai thuế Mỹ hay không?

Hiện nay, câu trả lời là có.
America Mortgages chuyên về các giải pháp tài chính dành riêng cho người nước ngoài và mang đến cho người mua Việt Nam một con đường rõ ràng, dễ dự đoán để xin U.S. home loan từ nước ngoài.

Hướng dẫn này giải thích toàn bộ quy trình, các yêu cầu chính, loại tài sản phù hợp và những lợi thế cụ thể dành cho người Việt khi làm việc với America Mortgages.

Vì Sao Ngày Càng Nhiều Gia Đình Việt Mua Nhà Ở Mỹ

Việt Nam là một trong những quốc gia có tỷ lệ tiết kiệm cao nhất Đông Nam Á và nhiều gia đình ưu tiên sự an toàn dài hạn thông qua việc sở hữu tài sản. Hoa Kỳ trở thành điểm đến ưa thích không chỉ vì nền kinh tế vững mạnh mà còn bởi thị trường bất động sản tại đây đã thể hiện sự ổn định trong nhiều thập kỷ.

Dự báo trong market outlook cho thấy nhu cầu mua nhà tại Mỹ vẫn ổn định, được hỗ trợ bởi tăng trưởng dân số và nguồn cung nhà ở hạn chế.

Một vài lý do nổi bật đối với buying U.S. property for Vietnamese buyers:

Giáo dục là yếu tố thúc đẩy chính

Ngày càng nhiều sinh viên Việt Nam theo học tại các trường đại học Mỹ. Các gia đình thường lựa chọn mua nhà gần trường để có nơi ở ổn định và tiết kiệm chi phí thuê dài hạn. Tài liệu Ivy League guide giải thích cách sở hữu nhà ở Mỹ hỗ trợ kế hoạch học tập nhiều năm.

Nhu cầu xây dựng danh mục cho thuê

Các bang như Texas tiếp tục thu hút nhà đầu tư nhờ tăng trưởng kinh tế và mở rộng doanh nghiệp. Phân tích chi tiết có trong Texas insights .

Phân khúc cao cấp và trung tâm vẫn hoạt động mạnh

Các thành phố trọng điểm tiếp tục hấp dẫn nhà đầu tư quốc tế. Báo cáo luxury property report cho thấy nhu cầu vẫn ổn định.

Tăng trưởng giá bền vững trong dài hạn

U.S. Census xác nhận mức tăng giá nhà trung vị đều đặn qua nhiều thập kỷ.
Nguồn: https://www.census.gov/library/stories/2024/06/national-housing-month.html

Những yếu tố này biến việc sở hữu nhà tại Mỹ đối với người Việt thành một chiến lược an toàn và rõ ràng trong dài hạn.

Hiểu Cách U.S. Home Loan Hoạt Động Cho Người Việt

Một khoản U.S. home loan có thể trông phức tạp lúc đầu, nhưng quy trình trở nên rõ ràng khi được giải thích theo cơ chế dành cho người nước ngoài. America Mortgages chuyên hoàn toàn trong lĩnh vực này, cung cấp con đường tiếp cận mà không cần thu nhập hay tín dụng Mỹ.

Dưới đây là quy trình theo đúng tiêu chuẩn của AM.

Không Cần Điểm Tín Dụng Mỹ

Nhiều người Việt không có lịch sử tín dụng Mỹ, điều này hoàn toàn bình thường.
AM chấp nhận sao kê ngân hàng quốc tế hoặc báo cáo tín dụng nước ngoài khi cần. Nhiều chương trình không yêu cầu tín dụng tại Mỹ hay Việt Nam.

Dùng Thu Nhập Toàn Cầu (Chỉ Áp Dụng Cho Second Home)

Người mua second home có thể sử dụng thu nhập từ Việt Nam hoặc các quốc gia khác để xét duyệt.
Nếu là bất động sản đầu tư, thu nhập toàn cầu sẽ không được sử dụng và AM áp dụng phương pháp xét duyệt khác dành riêng cho nhà đầu tư.

Tỷ Lệ Vay Trên Giá Trị Nhà 75% – 80%

Hầu hết người vay Việt Nam được duyệt trong phạm vi này tùy thuộc vào hồ sơ và loại tài sản.

Có Thể Mua Hoặc Tái Cấp Vốn Từ Việt Nam

Người Việt không cần sống tại Hoa Kỳ để xin U.S. home loan.
Tài liệu California guide và Florida financing giải thích chi tiết sự khác nhau giữa các bang.

Các Loại Tài Sản Người Việt Thường Mua

• Second home hoặc holiday home
• Bất động sản đầu tư
• Nhà cho thuê dài hạn tại Texas, Florida, New York và California

AM giúp khách hàng chọn cấu trúc vay phù hợp nhất với mục tiêu của họ.

Những Bang Tại Mỹ Được Người Việt Quan Tâm Khi Xin U.S. Home Loan

Hành vi mua nhà của người Việt khác biệt với Đài Loan hay Hong Kong. Nhiều gia đình Việt ưu tiên:

• thị trường cho thuê ổn định
• tăng trưởng việc làm
• hệ thống giáo dục tốt
• khả năng giữ giá trong dài hạn

CNBC xác định một số bang có thị trường bền vững nhất trong America’s strongest housing markets: /these-10-states-are-americas-strongest-housing-markets.html

Florida

Tăng trưởng dân số và nhu cầu cho thuê mạnh.

Texas

Tạo việc làm lớn và tăng trưởng doanh nghiệp.

North Carolina

Thu hút gia đình và người lao động chuyển đến.

Georgia

Giá hợp lý và tăng trưởng ổn định.

Ohio

Giá vào thị trường thấp và nhu cầu cho thuê ổn định.

Thêm phân tích chi tiết có trong 2025 buying trends

Các Giấy Tờ Người Việt Cần Khi Xin U.S. Home Loan

America Mortgages áp dụng quy trình đơn giản cho người nước ngoài.

Cần Chuẩn Bị

• Chứng minh thu nhập (lương, kinh doanh, tự doanh).
  Thu nhập toàn cầu chỉ áp dụng cho second home.
• 2 tháng sao kê ngân hàng
• Hộ chiếu
• Chứng minh tài sản cho down payment và reserve
• Sao kê ngân hàng quốc tế hoặc báo cáo tín dụng nước ngoài khi có
  Nhiều chương trình không yêu cầu tín dụng Mỹ hoặc tín dụng Việt Nam.

Không Cần

• Điểm tín dụng Mỹ
• Khai thuế Mỹ
• Thu nhập Mỹ
• Thẻ xanh hoặc visa

Điều này giúp người Việt dễ hiểu hơn về how to buy a home in the U.S..

Quy Trình Xin U.S. Home Loan Cho Người Việt

1. Xác định mục tiêu
2. Nhận pre-approval trong 48–72 giờ
3. Chọn nhà và gửi offer
4. Thẩm định hồ sơ và giấy tờ
5. Ký closing trong 30–45 ngày
   

Khi Nào U.S. Home Loan Có Lợi Nhất Cho Người Việt

Một U.S. home loan giúp người Việt có nguồn tài chính ổn định, dễ dự đoán và lập kế hoạch dài hạn mà không cần tín dụng Mỹ. Điều này hữu ích cho người tìm affordable U.S. homes, nhà đầu tư cần thị trường cho thuê ổn định và những ai tự hỏi liệu can buying U.S. property get a green card.
(Câu trả lời: không. Sở hữu nhà không cấp quyền di trú.)

Vì Sao Người Việt Chọn America Mortgages

1. 100% tập trung vào khoản vay dành cho người nước ngoài
2. Quy trình minh bạch cho khách hàng ở nước ngoài
3. Hỗ trợ chuyên biệt cho người Việt
4. Hơn 50 đối tác cho vay và private lenders
5. Tư vấn rõ ràng về U.S. mortgage rates
6. Hỗ trợ đầy đủ cho buying U.S. property for Vietnamese buyers

Kết Luận

Ngày nay, người Việt có con đường rõ ràng hơn bao giờ hết để sở hữu nhà tại Hoa Kỳ. Với quy trình xét duyệt thân thiện, không yêu cầu tín dụng Mỹ, thu nhập Mỹ hay khai thuế Mỹ, một U.S. home loan từ America Mortgages giúp việc mua nhà tại Mỹ trở nên dễ dàng, chắc chắn và phù hợp với cả mục tiêu đầu tư lẫn gia đình.

Cho dù bạn đang tìm second home, bất động sản đầu tư hay nhà cho con đi học, đội ngũ AM sẽ hướng dẫn bạn từ bước pre-approval đến ngày closing.

Email: [email protected]
Contact Us: americamortgages

Câu Hỏi Thường Gặp

Q1: Tôi đang sống tại Việt Nam, có xin được U.S. home loan không?

A: Có. Hàng ngàn người Việt được duyệt mỗi năm bằng hồ sơ tài chính nước ngoài.

Q2: Tôi có thể mua nhà tại Mỹ cho con đi du học không?

A: Có. Nhiều gia đình Việt mua nhà gần các trường đại học.

Q3: Có cần điểm tín dụng Mỹ không?

A: Không. AM chấp nhận sao kê ngân hàng hoặc dữ liệu tín dụng nước ngoài.

Q4: Mức down payment tối thiểu là bao nhiêu?

A: Phần lớn người Việt bắt đầu với 25% down. Down payment cao hơn có thể giúp được lãi suất tốt hơn.