When Is the “Right” Time to Refinance? For Real Estate Investors in the Know, It’s Sooner Than You Think.

Right Time to Refinance for Real Estate Investors

Everyone wants to time the market perfectly: the lowest rate, the highest valuation, the ideal moment to act. But in real estate, waiting for the mythical “perfect” time often means missing the profitable time.

So when is the right time to refinance?

Historically, it is the moment interest rates begin drifting downward, but before the market realizes it. And, according to recent Finimize data, that shift is already underway. Equity release refinancing applications in the U.S. have jumped significantly, even as purchase demand slips. That is the earliest sign of a rate cycle turning.

Why refinancing early matters more than refinancing perfectly

Investors who wait for the bottom rarely capture it.

By the time rates hit a headline-grabbing low:

• Buyers flood back into the market

• Bidding wars return

• Inventory tightens

• Prices accelerate

A $300,000 property can quickly become a $380,000 property. This completely erases any additional savings you hoped to achieve by waiting another 0.25% in rate movement.

Refinancing when rates start falling, not when they bottom out, is what gives sophisticated investors the advantage.

Refinancing now allows you to release equity while prices are still relatively low

In many U.S. markets, prices have softened or stabilized, creating a rare moment where:

• Rates are easing

• Values are not yet inflated

• Competition is still quiet

This combination does not last long.

Refinancing now lets investors potentially pull out six figures of equity before the market turns and values rise again. That liquidity becomes your competitive weapon. Your tool or secret weapon for building a U.S. real estate portfolio.

Use the cash to buy additional investment property before the next wave of price increases

Smart investors do not refinance only to lower their payment. They refinance to multiply their portfolio.

With equity released today, you can:

• Acquire a second (or third) U.S. investment property with no LTV limitations or restrictions

• Move quickly on distressed or off-market listings

• Enter fast-growing markets before values rebound, gaining instant equity once rates are slashed and prices move

• Leverage current prices rather than future, higher ones

This is how global investors scale: refinancing one asset to buy two, three or more.

Why foreign nationals and U.S. expats are acting now

Traditional lenders still require U.S. tax returns, W-2 income, and U.S. credit history. Most global investors do not meet those requirements, which is why refinancing used to feel impossible. Until now…

America Mortgages changed the game for foreign investors and U.S. expats.

AM Cash-Out Refinance Loan Program: Built for Investors Who Want to Reinvest Quickly

Key Loan Highlights

• No Personal Income Required

Perfect for foreign nationals and U.S. expats with global income and cash-flowing properties.

• No U.S. Credit History Needed

We underwrite using common-sense underwriting principles based on the property, and not the borrower’s passport.

• Loan Amounts Starting from US$100,000

Ideal for pulling liquidity without selling the property or using funds to purchase multiple properties without limitations of LTV, allowing our clients to build U.S. portfolios.

• Loan-to-Value (LTV)

Up to 80% for U.S. citizens

Up to 75% for foreign nationals

• Closing Time: 30 to 45 Days

Fast enough to capture emerging opportunities.

• Amortizing or Interest-Only Options

Choose the structure that maximizes cash flow.

Fixed-rate loan programs are available regardless of the borrower’s age.

Regardless of whether you’re 19 or 99, take advantage of the longest amortization period available.

These programs give America Mortgages’ investors the freedom to refinance and reinvest strategically at the exact moment the market favours action.

The right time to refinance is when rates start falling, not when the headlines arrive.

There is no doubt, we are in that window now.

Rates are easing, prices are still attractive, and competition has not returned in force.

Refinancing today gives you:

• A lower rate heading into the next cycle

• Cash-out equity to expand your portfolio

• The ability to secure undervalued properties while they still exist

Waiting does not reduce risk. It reduces opportunity.

Refinance now. Buy more while prices are still low. Position yourself ahead of the next appreciation wave, not behind it.

Ready to refinance, pull equity, and scale your U.S. property portfolio?

America Mortgages can structure the fastest, simplest path from a single investment property to a multi-property strategy with our Cash-Out Refinance solutions.

If you’re ready to scale a U.S. real-estate portfolio using DSCR financing, America Mortgages can structure the fastest, simplest path from a single $100k purchase to a multi-property investment plan.

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 our 24/7 online booking tool to schedule a free, no-obligation consultation with a licensed U.S. mortgage advisor.

December Housing Trends Point to a Stronger 2026: Why International Buyers Should Act Now

December Housing Trends

December is usually a quiet month in U.S. real estate, but the December 2026 data shows a market that is behaving very differently. HousingWire and Altos Research reveal that December has effectively become an early preview of the coming year. 

For foreign nationals and U.S. expats looking to invest, these six charts highlight a market that is stabilising, rebalancing and offering conditions far more favourable than what we saw during the volatility of the last several years.

Here’s what the December trends actually reveal — and why they matter for America Mortgages clients.

1. National Single-Family Inventory Is Recovering

National Single-Family Inventory

This shows one of the most important improvements in today’s housing environment: inventory is up 15.68% year over year. After years of ultra-tight supply, the market is finally loosening. Higher inventory levels give international buyers considerably more choice, stronger negotiating leverage and the ability to make decisions without the pressure of immediate competition. For those purchasing from abroad, where due diligence often takes more time, this renewed breathing room is particularly valuable.

2. Pending Home Sales Show Buyers Are Returning

Total Pending Home Sales

Pending sales reached 333,635 homes in contract, a number that exceeds activity seen in 2023 and 2022. Even with higher interest rates, buyers are stepping back into the market earlier and with more confidence. This signals that demand is building beneath the surface and is likely to accelerate as affordability improves. For real estate investors, this trend suggests that early 2026 may be the calm before a much more competitive spring.

3. Purchase Applications Are Climbing Ahead of Peak Season

Mortgage Purchase Applications Index

Mortgage Bankers Association data shows a consistent increase in purchase applications throughout 2025 compared to 2024. Applications are one of the earliest indicators of forward demand, and this rise suggests that buyers are preparing for purchases sooner than expected. For buyers, this early upswing highlights the advantage of being proactive. With America Mortgages’ expat and foreign-national loan programs — which do not require U.S. credit, W-2 income, or domestic tax returns — overseas borrowers can move just as quickly as local buyers and position themselves ahead of the competition before activity intensifies.

4. Mortgage Rates Have Finally Stabilised

One of the most encouraging shifts is in rate stability. After several years of unpredictable spikes, mortgage rates in 2024 and 2025 have moved into a stable, flatter range. This allows buyers to plan long-term financing with much greater confidence. For investors who often rely on fixed-rate products to lock in predictable monthly payments, this environment reduces uncertainty and encourages decisive action.

5. Treasury Yields Suggest Further Rate Relief May Be Ahead

10 yr Treasury Securities Yields

Because mortgage rates are heavily influenced by the 10-year Treasury yield, this chart provides an important signal. The yield saw periods of volatility in early 2024 but began cooling and drifting downward in late 2025. If this pattern continues, borrowing costs may ease further in 2026. For international buyers, entering the market before any major increase in competition — and potentially refinancing later if rates drop — can be a highly favourable strategy.

6. Long-Term Existing Home Sales Show Pent-Up Demand

Long-Term Existing Home Sales

The final chart offers valuable historical context. Existing home sales sit near multi-decade lows, a level typically associated with recessionary periods or moments of major affordability strain. Historically, such lows are followed by significant rebounds once conditions improve. This suggests that the market is not weak — it is paused. When affordability and supply continue improving, demand is likely to return quickly and forcefully.

What This Means for America Mortgages Clients

Taken together, these trends show a U.S. housing market in transition. Inventory is improving, demand is reawakening and rates are settling into a predictable range. For foreign nationals and U.S. expats clients of America Mortgages, this creates a rare early-cycle opportunity to buy before the spring market intensifies. Buyers who move now can secure better pricing, better positioning and better financing terms before competition builds.

How America Mortgages Helps You Act Before the Window Closes

If you’re living outside the U.S. but waiting for the right moment to buy property, the market signals suggest that time may be now. This is one of the rare times when the charts line up signaling the time to strike. 

At America Mortgages, we specialise in helping foreign nationals and U.S. expats secure full-term U.S. mortgage financing without the barriers of traditional banks.

You don’t need a U.S. credit score, U.S. residency, or American tax returns.

Our underwriting is designed around your international financial profile, making U.S. homeownership accessible no matter where you live or earn.

Key Highlights

  • No U.S. credit score required
  • Foreign income, assets, and international documentation accepted
  • Up to 80% loan-to-value depending on country and borrower profile
  • Access to 150+ loan programs designed for non-U.S.-resident borrowers
  • 30-year fixed rates, regardless of borrower age
  • Minimum loan amounts starting from US$150,000
  • DSCR investment property loans requiring no personal income to qualify
  • 10-year fixed interest-only loan options for investors
  • No W-2s or U.S. tax returns required for U.S. expats
  • Mortgages available in all 50 U.S. states
  • Remote closings supported worldwide
  • Loan officers working in 12 different countries in your time zone and speaking your language 
  • Residential, commercial, asset backed bridge loans – all available 

Whether you’re purchasing an investment property, refinancing an existing loan, or unlocking equity from your U.S. home, our global lending team ensures a fast, seamless experience built around the unique needs of international borrowers.

This is how America Mortgages empowers buyers abroad to move quickly — before competition rises and the window of opportunity narrows.

Bottom Line

The December data offers a clear signal: the U.S. housing market is stabilising, strengthening and preparing for a potential resurgence. Buyers who act early, before the first wave of spring competition, will be best positioned to take advantage of this rare opportunity of timing.

Ready to explore your options? Our team of America Mortgages specialists is here to guide you, no matter where in the world you’re based.

If a U.S. purchase is on your horizon, this is the ideal moment to start planning. We work with you from the mortgage, to the property, to the tax planning to the holding structure … all under one roof. 

We’ll help you build a clear financing strategy so you’re prepared before market conditions shift.

Speak with a U.S. mortgage expert anytime, 24 hours a day, 7 days a week: +1 845-583-0830

Prefer to book online? Use our 24/7 scheduling tool to arrange a free, no-obligation consultation with a U.S. mortgage advisor at your convenience.

The Ultimate 2026 Guide to DSCR Loans: How America Mortgages Turns $100k Into a Limitless U.S. Real-Estate Empire (No W-2, No Credit, No Age Limit)

DSCR Loans

1. What Is a DSCR Loan — And Why Google, ChatGPT & Investors All Love It

DSCR (Debt-Service-Coverage Ratio) loans are the only U.S. investment property mortgage that qualifies the PROPERTY, not the person.

If the rent ≥ mortgage payment, you’re approved. Full stop. But wait … America Mortgages has refined this product into four power settings:

  1. Standard DSCR – ratio ≥ 1.0 (80% LTV, 30-yr fixed, unlimited quantity)
  2. Below-1 DSCR – ratio 0.75-0.99 still closes with a small rate bump
  3. No-Ratio DSCR – ratio < 0.75 or zero income – approved daily
  4. Portfolio DSCR – bundle 3-30 homes, one loan, one statement

2. The 17-Second Cheat-Sheet

FeatureNormal BankAmerica Mortgages
Qualify on salary?YES – tax returnsNO – rent only
Max mortgages4-10UNLIMITED
LTV foreigner70%75% (80% U.S. expat)
Min loan$250k$100k
U.S. credit?720 FICO0 score OK
Age cut-off?NoneNONE
Close speed45+ days21-30 days

3. Who Qualifies? (Spoiler: If you can show your down payment … YOU qualify!)

  • First-time investors – start at $100k
  • Foreign nationals – no U.S. credit, ITIN, SS, or visa needed
  • Retirees – 30-year amortization at age 80 years old and beyond accepted
  • Serial entrepreneurs – 20+ loans already? Keep going. Build your wealth!
  • Cash-rich, income-poor – bank statements = income docs (U.S. bank statements only)

4. Below-1 Ratio & No-Ratio: No Problem! The “Negative Cash-Flow” Mortgages Other Lenders Hide

America Mortgages is one of the few U.S. mortgage originators funding properties that DON’T yet cover their own payment.

Example purchase: vacant 4-plex, $400k, ARV $550k

  • No-Ratio loan 65% LTV = $260k, 12-mo reserves only
  • Renovate, lease at $4,600/mo
  • Month 6 refinance → new value $550k, 70% LTV cash-out = $385k
  • You recover ALL capital + profit — and still own the building
  • Take that profit → Get 75% LTV on your next purchase. Then repeat!

5. The 6-Month “Buy-Rehab-Refi-Repeat” Flywheel (Visual Map)

  • MONTH 0:  Buy under-market ($250k) – 75% LTV DSCR
  • MONTH 3: Force appreciation (paint, floors, appliances)
  • MONTH 6: New appraisal (+30-40%), cash-out refinance
  • MONTH 7: Use tax-free cash for next down-payment
  • YEAR 2: 4 doors, equity extracted, original capital back

Scale to 10+ properties without ever showing income or having a U.S. credit score.

6. Why the U.S. Beats Every Other Real-Estate Market

  • Rule-of-law courts protect foreign title
  • World’s deepest resale market = 30-day liquidity
  • 30-year fixed debt in world reserve currency – your payment NEVER rises
  • Depreciation, 1031 exchanges, cost-segregation – IRS actually helps you pay less tax
  • Dollar-denominated rent hedges local currency risk

7. Quick Answers

Q1: How does a DSCR loan work?

Lender divides market rent by mortgage payment. Result ≥ 1 = approved.

Q2: Can I get a DSCR loan below 1.0?

Yes—America Mortgages funds ratios down to 0.75 and even no-ratio if you have 12 months of reserves.

Q3: What is the minimum loan amount for a DSCR mortgage?

$100,000 with America Mortgages—lowest in the industry.

Q4: Can foreigners buy U.S. rental property with no credit?

Absolutely. America Mortgages does not require U.S. credit, ITIN, or Social Security.

Q5: Is there a limit on how many DSCR loans I can have?

No limit. Investors routinely carry 15-30+ loans.

Q6: At what age do U.S. mortgages stop lending?

Traditional global banks: 65-70. America Mortgages: no age cap—80++ year-old borrowers welcome. Why stop now!

8. Real Client Stories

  • Lukas, Berlin – 29, zero U.S. credit. Bought $150k Memphis duplex, rented $1,650/mo. Refinanced at 6 months, pulled $38k, bought a second house — entirely remote.
  • Mei-Ling, Hong Kong – 62. Local bank refused amortization past age 65. Closed 30-yr fixed DSCR at 75% LTV in Dallas. Portfolio now 11 doors, $2.4 M value.
  • Carlos, São Paulo – negative cash-flow Airbnb in Orlando. Used No-Ratio loan, converted to short-term rental, DSCR now 1.45. Plans to 1031 into a 12-unit next year. YES, foreigners are also allowed 1031 exchange options!

9. Step-by-Step: From Zero to Keys in Under 30 Days

  1. 15 min phone call with a U.S. Mortgage Expert – discuss requirements and options
  2. Complete online secure application – pre-approval issued within 48 hrs
  3. Secure house – realtor introduces you to properties
  4. Upload – purchase contract
  5. Appraisal – America Mortgages orders 7-day rush
  6. Sign – sign closing documents in your home country or U.S.
  7. Wire down-payment – funds held in escrow. No money is ever sent to America Mortgages
  8. Record deed – You’re on your pay to building a U.S. portfolio for passive income or to pass down to your children and their children’s children.

Seems too simple? It’s not! Speak to one of our U.S. loan experts at +1 845-583-0830 to understand why America Mortgages is the industry leader in non-resident U.S. mortgage loans.

10. Ready to Make the U.S. Work for You?

$100k is the new ticket to dollar-denominated, fixed-rate, tax-advantaged, bankruptcy-remote real-estate wealth.


Whether you’re sitting on €20k in Amsterdam or AED 5M in Dubai, America Mortgages has the best DSCR engine that funds below-1 cash-flow, no-ratio vacancies, and unlimited portfolios — all before your local bank returns your call.

If you’re ready to scale a U.S. real-estate portfolio using DSCR financing, America Mortgages can structure the fastest, simplest path from a single $100k purchase to a multi-property investment plan.

Contact[email protected]

Websitewww.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.

A 50-Year Mortgage? What Trump’s Proposal Means for Investors

The U.S. housing market may be on the verge of a major structural shift. According to The Hill, the Trump administration is reviewing the idea of introducing a 50-year mortgage product, a move designed to improve affordability and stimulate demand.

If implemented, this would be one of the largest changes to the American mortgage system in decades. International investors should pay close attention.

If the plan moves forward, the impact is clear. Demand will surge, competition will increase, and property prices will rise even faster. If you own before this is put into place, this can potentially mean a fast and significant increase in your property value. Instant Equity! 

Which means the best time to buy is before that happens.

What a 50-Year Mortgage Would Do to the Market

A longer mortgage term spreads payments over more years, lowering monthly costs and making higher-priced homes more accessible for more buyers. With millions of Americans suddenly able to afford properties previously out of reach, the effect is predictable.

  • More buyers entering the market.
  • Intensified competition.
  • Increased pressure on already limited housing supply.
  • Faster home price appreciation.

For foreign nationals and U.S. expats looking to buy, this is the moment to strike before affordability-driven demand accelerates prices further.

Does Age Matter When Obtaining a U.S. Mortgage? 

You would think and if you’re coming from pretty much anywhere else on the planet, you might be used to mortgages where the payback timeline gets shorter the older you get – banks playing it safe based on your birthday. 

Totally makes sense in your home country, right? But here’s the amazing part about the U.S.: thanks to strict fair housing rules, the age of the borrower is irrelevant. Whether you’re 19 and just starting out or 99 and retired, you can lock in the longest amortization term possible – 30 years, 40, or 50 coming down the pipeline soon. 

Stretching it out like that? It slashes your monthly payments, cranks up your cash flow, and basically supercharges the returns on your investment. Just one of those underrated perks that make U.S. real estate such a no-brainer for building wealth.

And This Comes at the Same Time Rates Are Falling

Interest rates have been easing from their recent highs, restoring much needed affordability. Combined with the possibility of 50-year mortgages, the market may be approaching the perfect storm.

Lower payments plus more demand equals higher future prices.

For investors using mortgage financing, locking in today’s lower rates is critical. Once demand floods back into the market, especially if ultra long mortgages become reality, rates, prices, and competition will all move quickly.

America Mortgages’ Take: Buy Before The Crowd Returns

The U.S. market is shifting, and investors who prepare early will be in the strongest position as conditions evolve. With rates trending lower, prices showing upward momentum, and the potential introduction of a 50-year mortgage, the next phase of demand could build quickly.

This is an ideal moment for investors to review financing options, secure clarity on borrowing capacity, and be ready to move with confidence. Early preparation allows you to take advantage of favourable terms and access opportunities before competition intensifies.

Why This Is the Time to Get Mortgage Ready

America Mortgages specialises in U.S. financing for foreign nationals and expats, offering loans up to 80% LTV even without U.S. credit (no credit for foreign nationals). With demand rising and potential policy changes ahead, being pre-approved gives you a strategic advantage.

You can always refinance into a 50 year mortgages down the road, however, if you wait until a 50-year mortgage becomes available, you may be competing with millions of newly qualified U.S. buyers.

If you buy now, you place yourself ahead of the curve.

Final Word

The U.S. market is entering a new phase. The combination of falling rates, creative loan programs offered by America Mortgages and a possible 50-year mortgage product creates a rare opportunity for foreign investors.

Act before prices accelerate.

Act before competition increases.

Act while borrowing is still affordable.

Whether you’re a seasoned investor or just getting started, America Mortgages can make it happen.

Contact[email protected]

Websitewww.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.

What Savvy International Investors Know About U.S. Real Estate (That Others Don’t)

For international investors, real estate remains one of the most secure and profitable ways to grow wealth and create long-term stability. Yet, deciding where to invest is just as important as deciding what to buy. Around the world, property markets in places like Sydney, Dubai, Portugal, Tokyo, and London attract attention, but when it comes to flexibility, financing, and long-term growth, U.S. real estate stands out.

Let’s explore how the United States compares to other major global destinations and why it continues to make sense for practical, results-driven investors.

Why the U.S. Market Stands Out

The U.S. real estate market offers something few other countries can match: accessibility and opportunity. Non-U.S. residents can purchase property with ease and even qualify for financing without a U.S. credit score. Specialized lenders cater to international buyers, often offering loans with as little as 25 to 30% down, making real estate ownership in America far more achievable than many realize.

This leverage allows investors to multiply their returns by using financing instead of paying all cash. Whether you’re focused on generating cash flow, long-term appreciation, or a mix of both, the U.S. market gives you a range of property types, price points, and locations to fit your goals.

Comparing Global Property Markets

Sydney

Sydney remains a top-tier market with strong fundamentals, but it’s also one of the most expensive and restrictive. High property prices, limited supply, and foreign buyer taxes make it difficult for non-residents to achieve meaningful cash flow or scale their portfolios.

Dubai

Dubai offers tax-free benefits and striking architecture, but its market can be unpredictable. Property values often rise and fall based on oil prices and regional trends, making it more speculative than steady. Financing options are also limited, particularly for foreign nationals.

Portugal

Portugal’s Golden Visa program has attracted global investors, especially in Lisbon and Porto. However, property prices have climbed, and yields have compressed. While it’s a lifestyle-friendly market, it lacks the depth, liquidity, and financing accessibility of the U.S.

Tokyo

Tokyo is known for safety and stability, but appreciation is slow and yields are modest. Japan’s aging demographics and cautious lending practices make it more of a capital preservation market than one for aggressive growth.

London

London remains prestigious but expensive, with high transaction costs and taxes that can eat into profits. Post-Brexit challenges and regulatory shifts have added uncertainty, while yields remain lower than in many American cities.

The U.S. Advantage: Practical, Profitable, and Scalable

Creative Financing Options

Foreign investors can access U.S. mortgages through lenders that specialize in working with non-residents. This opens the door to leverage, increasing your potential return on investment while preserving liquidity.

Strong Rental Yields

With consistent population growth and high demand for both long-term rentals and short-term stays, U.S. rental markets offer steady income streams and solid occupancy rates.

Capital Appreciation

Historically, U.S. real estate has delivered steady appreciation across most major markets. Economic expansion, innovation, and population mobility continue to drive long-term value.

Tax Efficiency and Transparency

With the right legal structure, such as an LLC, foreign investors can enjoy clear ownership rights, asset protection, and potential tax advantages.

Diverse Market Opportunities

Unlike other countries that focus on a few major cities, the U.S. offers a wide range of viable investment markets. From high-growth regions like Texas and Florida to stable, established metros like Chicago and Seattle, investors can choose markets that fit their strategy.

Opening the U.S. Market to the World

For many non-U.S. residents, the biggest challenge has always been financing. That’s where America Mortgages comes in.

America Mortgages, the leading lender specializing in non-resident mortgages for foreign nationals and U.S. expats, is helping investors from around the world access U.S. real estate with ease. Offering up to 80% loan-to-value (LTV) and a minimum loan amount of $100,000, America Mortgages makes it possible for anyone from first-time investors to seasoned buyers to participate in one of the world’s most dynamic real estate markets.

By removing the traditional barriers to financing, America Mortgages truly opens up the U.S. to the world. Whether you’re expanding your portfolio or buying your first property, their team can structure a solution that fits your goals, making the dream of U.S. real estate ownership a reality.

Whether you’re a seasoned investor or just getting started, America Mortgages can make it happen.

Contact[email protected]

Websitewww.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.

FAQs

1. Why are non-U.S. residents increasingly investing in U.S. real estate?

Answer: Non-U.S. residents are drawn to U.S. real estate because of its accessibility, financing flexibility, and long-term growth potential. Unlike many global markets, the U.S. allows foreign investors to buy property easily and even qualify for mortgages without a U.S. credit score. With strong rental yields, capital appreciation, and diverse market options across multiple cities, the U.S. offers practical, profitable, and scalable investment opportunities.

2. How does U.S. real estate compare to global property markets like Sydney, Dubai, or London?

Answer: Compared to Sydney, Dubai, Portugal, Tokyo, and London, the U.S. market provides greater affordability, financing access, and long-term stability. While other markets face high entry costs, foreign buyer restrictions, or limited yields, the U.S. offers diverse cities, flexible lending, and sustainable appreciation. This makes it a more balanced and practical choice for global investors seeking reliable returns.

3. What financing options are available for foreign investors in the U.S.?

Answer: Foreign investors can obtain U.S. mortgages through specialized lenders like America Mortgages, which cater exclusively to non-residents and U.S. expats. These programs offer up to 80% loan-to-value (LTV) and financing with as little as 25% down. This leverage enables investors to grow their portfolios, preserve liquidity, and maximize returns without needing a U.S. credit history.

4. What are the main benefits of investing in U.S. property for non-residents?

Answer: Key benefits include strong rental income, steady appreciation, tax efficiency, and a transparent legal system. Investors can structure ownership through LLCs for protection and potential tax advantages. Additionally, the U.S. market’s diversity from Florida and Texas to New York and Seattle allows investors to align property choices with their financial goals.

5. How is America Mortgages helping international investors enter the U.S. market?

Answer: America Mortgages simplifies U.S. property ownership for non-U.S. residents by providing customized mortgage solutions with flexible terms. By removing traditional financing barriers, the company enables investors worldwide to access loans starting at $100,000 with up to 80% LTV. Their expertise makes U.S. real estate ownership achievable for both first-time and seasoned global investors.

Why Many Homebuyers Are Eyeing a Purchase Before End-2025

As 2025 progresses, momentum is returning to the housing market. Yahoo Finance reports that lower mortgage rates and easing price growth are drawing buyers back. Those who act early may gain a clear advantage. With market confidence rising, the question is no longer if to buy, but how fast you can secure financing.

Here is what you should know and how America Mortgages can help you act decisively.

Market Signals Are Turning More Favourable

According to Yahoo Finance, mortgage rates have eased somewhat from their peaks over the past year. As rates continue to trend lower, affordability has already improved for many buyers.

At the same time:

  • Home price growth is moderating — meaning prices aren’t spiking as aggressively as in past years.
  • Inventory (homes for sale) is slowly improving, offering more choices and potentially more room for negotiation.
  • More buyers are moving quickly to close before year-end, hoping to lock in better rates or incentives. 

Altogether, these shifts suggest that acting sooner lets you secure the best terms while options remain open and the market isn’t saturated with new owner-occupied or investors that were on the sidelines waiting for rates to drop. Remember this phrase, and I’ll explain it further in “Date the rate. Marry the property”. 

What You Need to Watch and Do Now

If you are considering buying a home in the U.S. before 2026, timing and preparation are key. This is where America Mortgages can help. Our team specialises in supporting international buyers through every stage of the U.S. mortgage process so you can act confidently when the right opportunity appears.

Start by locking in a competitive rate. Even a small change in interest rate can mean significant long-term savings. America Mortgages tracks market movements daily and can help you compare loan programs or secure a rate-lock option that protects you if conditions shift.

Next, get pre-approved before you start your property search. A pre-approval is free of charge at America Mortgages and shows sellers that you are a serious buyer, and reduces surprises later. We can help you prepare the necessary documents, assess your eligibility even without a U.S. credit score, and determine exactly what you can afford.

According to real estate analysts, timing your contract can also make a difference. End-of-year transactions or motivated sellers often provide better terms. Our lending specialists work closely with agents and borrowers to identify these opportunities and move quickly when they arise.

Whether you are a foreign national or a U.S. expat, America Mortgages ensures you do not miss this window of opportunity, making U.S. home ownership possible wherever you are in the world.

Date the rate. Marry the property. 

You’ve probably heard the phrase: Date the rate. Marry the property.” It means you can always change your interest rate later through refinancing, but the property you lock in today is what you’re truly committing to. Right now, interest rates are higher than we’d like, but they’re temporary. What isn’t temporary is the value of securing a great property in a market where inventory is still relatively tight and competition hasn’t fully reignited … yet.

The moment rates drop, the floodgates will open. All the buyers who’ve been sitting on the sidelines will rush back in, creating bidding wars and driving prices up fast. If you wait for rates to come down before buying, you’ll likely face stiffer competition, inflated prices, and a much harder fight to get the property you want.

In other words, you may get a slightly better rate, but you’ll overpay for the house.

Smart investors act ahead of the crowd. Buy the right property now, while others hesitate. When rates drop, and they will, you can refinance and improve your cash flow, all while sitting on an appreciating asset that others will wish they’d bought when it was still within reach.

Why Acting Before 2026 Could Pay Off

  • You may lock in a rate before further increases.
  • You will avoid bidding wars that often follow improved inventory.
  • You will position yourself ahead of hesitant buyers, reducing competition.
  • You will begin building equity in your property sooner.

How America Mortgages Helps You Act Before the Window Closes

If you’re living outside the U.S. but have been waiting for the right time to buy, this could be it.

At America Mortgages, we make it possible for foreign nationals and U.S. expats to secure full-term U.S. property financing without needing a U.S. credit score or local income.

Whether you’re looking to purchase, refinance, or tap equity, our global lending team structures mortgage solutions based entirely on your international financial profile.

Key Highlights: 

  • No U.S. credit score required
  • Foreign income accepted 
  • Up to 80% loan-to-value
  • Over 150 loan programs designed for non-U.S. citizens
  • Fixed rates up to 30 years, regardless of the age of the borrower
  • Loan amounts as low as $150k
  • DSCR – investment property mortgagee loans that require no personal income to qualify 
  • 30-year fixed rates regardless of the age of the borrower 
  • 10-year fixed interest-only loans 
  • No W2 required for U.S. expats, and foreign income accepted 
  • Mortgage loans available across all 50 U.S. states

If you’ve been planning to purchase U.S. real estate, now is the ideal moment to act while rates and prices remain favourable.

Speak with an America Mortgages specialist today, and we’ll show you what’s possible even if you’re thousands of miles away.

If you’re thinking of buying in the next few months, now is a great time to start the conversation. Let’s map out a strategy together before the window closes.

Speak to a U.S. Loan Expert 24 hours a day / 7 days a week: +1 845-583-0830

Need help getting started? Use our 24/7 online booking tool to schedule a free, no-obligation consultation with a U.S. mortgage advisor.

Frequently Asked Questions

Q1: Why are many buyers looking to purchase before the end of 2025?

A: Because mortgage rates have begun easing, home-price growth is moderating, and inventory is improving, creating a more favourable buying window.

Q2: What does “Date the rate. Marry the property.” mean?

A: It means prioritise locking in a good interest rate now, because while you can refinance later, the property you select is a long-term commitment.

Q3: What are the main risks of waiting?

A: Waiting could expose you to stronger competition (bidding wars), higher home prices when more buyers enter the market, and fewer favourable terms.

Q4: How can non-U.S. residents or expats buy now?

A: America Mortgages supports foreign nationals and U.S. expats by accepting foreign income, having no U.S. credit-score requirement, and offering loan programs designed for international buyers.

Q5: What practical steps should a buyer take now?

A: Get pre-approved before shopping, monitor and lock a favourable rate, work with agents/lenders who move quickly, and prepare documentation so you’re ready when the right opportunity appears.

Copy the Best Real Estate Investor in the World

Rental Yields

The $1 Trillion Blueprint That’s Completely Legal to Replicate

What if you could copy the smartest classmate in school and not get in trouble?

Peek behind the curtain of the world’s most successful real estate investor and legally copy their exact playbook? Meet Blackstone – the $1 trillion alternative asset manager that has quietly become the most dominant force in American real estate. While everyone else was debating whether to invest in stocks or crypto, Blackstone was building an empire, one single-family home at a time.

Here’s the kicker: everything they do is completely transparent, publicly documented, and 100% legal to replicate. You’re not just allowed to copy their strategy – you’re encouraged to.

It’s one thing when I tell clients to, but Blackstone has a little more credibility than I do, so you should listen. Warren Buffett created a generation of value investors. Why not let Blackstone do the same for real estate investing?

The Mind-Blowing 2025 Numbers Behind Their Success

Let’s start with some numbers from 2025 that will make your jaw drop:

Blackstone’s Empire:

  • 274,859 rental housing units under management
  • Over $1 trillion in total assets
  • Only owns 0.06% of U.S. single-family homes, yet generates massive returns

The 2025 Market Explosion:

  • Foreign buyers purchased $56 billion in U.S. residential properties from April 2024 to March 2025
  • 78,100 international property purchases – a massive 44% increase year-over-year
  • 33.2% surge in dollar volume – the highest growth since 2017
  • Record median foreign buyer purchase price: $494,400

But here’s what’s truly remarkable: Blackstone owns less than 1% of rental housing in the U.S., yet their influence and returns are extraordinary. They’ve cracked the code on something most investors miss entirely, and now international money is flooding in to copy their approach.

The 2025 International Money Tsunami

The latest data reveals something unprecedented: International buyers aren’t just participating in this market – they’re leading a full-scale invasion. The 2025 numbers show the biggest surge in foreign real estate investment since 2017, with smart money following Blackstone’s blueprint.

This surge isn’t happening in isolation. As outlined in “The Coming Monetary Reset: Why International Investors Are Turning to U.S. Real Estate, Gold and Bitcoin”, global investors are increasingly seeking dollar-denominated assets as a hedge against monetary uncertainty.

The 2025 Winners (Latest Data):

  • China: $13.7 billion invested (11,700 homes purchased)
  • Canada: $6.2 billion invested (10,900 homes purchased)
  • Mexico: $4.4 billion invested (6,200 homes purchased)
  • India: $2.2 billion invested (4,700 homes purchased)
  • United Kingdom: $2.0 billion invested (3,100 homes purchased)

They understand what Blackstone knows: American single-family rentals are the ultimate wealth-building machine.

The Secret Sauce: It’s Not What You Think

Forget everything you think you know about real estate investing. Blackstone’s success isn’t about buying the most expensive properties or having unlimited capital. Their secret weapon?

Following two simple words: Jobs (growth) and Population (growth). This is the blueprint I use for presenting to private banks globally. The U.S. gentrifies better than any other country, and the reshoring of manufacturing is making it easier to choose where to invest. 

“Really, what we try to follow across the globe is job and population growth,” says Kathleen McCarthy, global co-head of Blackstone Real Estate.

That’s it. While everyone else is chasing shiny objects, Blackstone follows people and paychecks. And the 2025 data proves international investors are copying this exact strategy.

The “Big Six” Markets Making Millionaires

Investors who own at least 1,000 homes have 45% of their single-family holdings in six markets: Atlanta, Phoenix, Dallas, Charlotte, Houston, and Tampa.

These aren’t random picks. Each of these cities represents a perfect storm of job creation, population growth, and rental demand. Here’s what makes them special:

  • Atlanta, Georgia: The logistics capital of America
  • Phoenix, Arizona: Tech boom meets retiree migration
  • Dallas, Texas: Corporate relocation headquarters
  • Charlotte, North Carolina: Banking and finance hub
  • Houston, Texas: Energy sector powerhouse
  • Tampa, Florida: Tourism and lifestyle destination

The 2025 Geographic Gold Rush

The latest data shows where international money is concentrating, and for good reason. As detailed in our analysis of “How U.S. Politics Influences Real Estate for Global Investors”, political stability and business-friendly policies play a crucial role in investment decisions.

Top Destinations for Foreign Buyers (2025):

  • Florida: 21% of all international purchases (leading for 15+ years)
  • California: 15% of foreign buyer activity
  • Texas: 10% of international investment
  • New York: 7% of foreign purchases
  • Arizona: 5% of international buyers

Florida’s dominance isn’t accidental – it perfectly aligns with Blackstone’s strategy of targeting high-growth, business-friendly markets with strong rental demand. For investors comparing major markets, our “Florida vs California: The Ultimate Real Estate Investment Showdown for International Buyers” provides detailed market analysis.

The “Hidden Goldmine” Markets Most People Ignore

While everyone fights over expensive coastal properties, the smart money is flowing to unexpected places. There are 28 “SFR Growth” counties where rental yields exceed 10% and wages are growing.

The 2025 Yield Champions:

  • Indian River County, FL: 14.6% annual gross rental yield
  • St. Louis City, MO: 14.6% annual gross rental yield
  • Cameron County, TX: 13.2% annual gross rental yield
  • Monroe County, NY: 12.8% annual gross rental yield
  • Richmond County, GA: 12.7% annual gross rental yield

To put this in perspective: while the stock market averages 10% annually over decades, these markets are delivering that in rental income alone – before any property appreciation.

What makes this MORE attractive is that America Mortgages offers up to 75% financing for non-U.S. citizens living overseas. We use the rental income to qualify, and with rental yields so high, it’s never been easier to get a mortgage. We don’t require personal financials or any form of credit.

The Regional Performance Revolution

The 2025 data reveals dramatic regional variations:

The Hottest Growth Markets:

  • Midwest: Leading with 5.26% rent growth
  • Northeast: Strong performance at 4.84% growth
  • Detroit: 6% year-over-year rent increases
  • Washington D.C.: 6.4% annual rent growth
  • Chicago: Consistent 5.6% growth

Meanwhile, expensive coastal markets are moderating, creating opportunities in previously overlooked regions.

The Perfect Storm Creating This 2025 Opportunity

Several massive trends are converging to create what might be the investment opportunity of a lifetime:

  1. The Supply Crisis Intensifies Build-to-rent starts reached 7.8% in Q3 2024 – a record high – yet demand still outstrips supply. “Buying is still cheaper than building in many markets,” says Will Pattison of MetLife Investment Management.
  2. The Renter Nation Expands High mortgage rates have created a captive audience of renters who can’t afford to buy, driving vacancy rates to 6% in Q3 2024 – the highest in 26 quarters.
  3. The International Invasion The 44% surge in international property purchases shows global investors are deploying capital aggressively, following institutional strategies.

Your Step-by-Step Blueprint to Copy Blackstone

Phase 1: The Foundation (Months 1-6)

  • Target Florida, Texas, or Arizona markets (following 2025 foreign buyer trends)
  • Start with $150K-$750K in available capital (adjusted for 2025 prices)
  • Focus on properties priced $250K-$500K for optimal yields
  • Contact America Mortgages Concierge desk to:
    • Speak to realtor in your desired city
    • Establish U.S. legal entity (Delaware LLC recommended)
    • Open bank account
    • Speak to a U.S. accountant
  • Get pre-approved by America Mortgages loan officer in your timezone

For detailed guidance on the mortgage process, see our comprehensive guide “How Non-U.S. Citizens Can Secure a Mortgage for U.S. Real Estate Investment”.

Phase 2: The Build-Up (Year 1-2)

  • Acquire 5-10 properties in your chosen market
  • Target the $494,400 median price point where international buyers are active
  • Implement technology for property management
  • Aim for 7-10% gross rental yields minimum

Phase 3: The Scale (Year 2-5)

  • Expand to 25-50 properties
  • Add second market from the “Big Six” for diversification
  • Build institutional-quality operations

The 2025 Foreign Investor Advantage

International investors have several compelling advantages revealed by the latest data:

  • Leverage Power: Obtain 75% financing from America Mortgages, expanding your rental yield
  • Premium Positioning: Foreign buyers’ median price of $494,400 vs. $408,500 for domestic buyers
  • Diversification: Geographic and economic diversification away from home country
  • Growth Markets: Access to the world’s largest and most stable rental market

For UK and Canadian investors specifically, our detailed analysis “UK and Canadian Investors: Your Ultimate Guide to U.S. Real Estate Investment in 2025” provides market-specific insights and opportunities.

The 2025 Numbers That Will Change Your Life

Let’s do some math based on current market conditions:

Conservative Scenario (10 Properties @ $400K each – 2025 adjusted):

  • Total Investment: $4 million
  • Annual Rental Income (7% yield): $280,000
  • Property Appreciation (3% annually): $120,000
  • Total Annual Return: $400,000 (10%)

Aggressive Scenario (25 Properties in High-Yield Markets):

  • Total Investment: $10 million
  • Annual Rental Income (10% yield): $1,000,000
  • Property Appreciation (4% annually): $400,000
  • Total Annual Return: $1,400,000 (14%)

Special Opportunities: Vacation Home Investments

For those interested in combining lifestyle and investment returns, the vacation home market offers unique opportunities. Our guide “Your Dream U.S. Vacation Home Awaits: A Complete Guide for International Buyers” explores how to maximize both personal enjoyment and rental income from vacation properties.

The Build-to-Rent Revolution Accelerating

Build-to-rent (BTR) construction hit record levels in 2025, with starts reaching 7.8%. This isn’t just a trend – it’s a paradigm shift creating institutional-quality rental properties that offer:

  • 15-25% rental premiums over older homes
  • Lower maintenance costs in early years
  • Modern amenities that attract quality tenants
  • Institutional-quality assets from day one

The Technology Edge That Separates Winners from Losers

Blackstone doesn’t just buy properties – they optimize them with cutting-edge technology:

2025 Tech Stack:

  • AI-Powered Pricing: Real-time rent optimization algorithms
  • Predictive Analytics: Machine learning for maintenance and tenant retention
  • Automated Operations: Streamlined property management systems
  • Market Intelligence: Real-time data for investment decisions

The Global Perspective: Why 2025 Is The Moment

Living investment is the largest real estate sector globally, forecast to see $1.4 trillion in transactions over the next five years. The 2025 surge in international investment isn’t coincidental – it reflects a fundamental shift toward rental-based housing globally.

JLL predicts investor total rental stock holding will exceed 50 million by 2030, providing homes to approximately 10% of households in major markets.

Implementation Timeline Based on 2025 Market Conditions

Year 1: Foundation Building

  • Establish U.S. legal entity and banking relationships
  • Target the $400K-$500K price range (2025 adjusted)
  • Obtain financing from America Mortgages to leverage rental yield
  • Acquire first 5-10 properties in primary target market
  • Focus on markets with strong foreign buyer presence

Year 2-3: Strategic Scaling

  • Expand to 25-50 properties
  • Add secondary market from top-performing regions
  • Implement institutional-quality property management

The Bottom Line: Your 2025 Wealth-Building Decision

“International interest in buying U.S. real estate increased following the global economic recovery from several years of pandemic-related disruptions,” said NAR Chief Economist Lawrence Yun.

The 2025 data tells a clear story: International investors are flooding into U.S. real estate, following Blackstone’s proven blueprint, and generating extraordinary returns. The 33.2% surge in foreign investment and 44% increase in property purchases isn’t random – it’s calculated capital deployment by sophisticated investors who recognize an unprecedented opportunity.

The Time Is Now: Why 2025 Is Your Window

The latest data reveals several time-sensitive factors:

  • First growth since 2017: After years of decline, foreign investment is surging
  • Record prices: $494,400 median shows international confidence
  • Supply constraints: Limited new construction supports rent growth

Remember: Blackstone owns less than 1% of rental housing in the U.S.. There’s room for everyone – but only for those bold enough to follow the path that $56 billion in international money is already taking.

The Greatest Real Estate Playbook Ever Written

Blackstone has given you the blueprint. The 2025 data has confirmed international investors are following it. The markets are identified. The trends are crystal clear. The only question left is: Will you join the $56 billion international money tsunami, or will you watch from the sidelines as others build generational wealth?

The greatest real estate investor in the world has shown you exactly how they did it. The 2025 numbers prove it works. Now it’s your turn to copy their homework – legally, ethically, and profitably.

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 our 24/7 online booking tool to schedule a free, no-obligation consultation with a licensed U.S. mortgage advisor.


The strategies outlined here are based on 2025 market data and publicly available information. Real estate investing involves risk, and past performance doesn’t guarantee future results. Consider consulting with qualified professionals before making investment decisions.

Frequently Asked Questions

Q1: What is the “$1 Trillion Blueprint”?

A: It’s Blackstone’s proven real estate strategy for building massive wealth in U.S. single-family rentals fully legal, transparent, and replicable by international investors.

Q2: Why is 2025 the right time to follow this strategy?

A: Foreign investment in U.S. real estate is surging002044% more properties purchased year-over-year, record prices, and strong rental demand creating a rare window of opportunity.

Q3: Which U.S. markets should I target?

A: Blackstone focuses on high-growth cities with job and population increases. The “Big Six” for investors: Atlanta, Phoenix, Dallas, Charlotte, Houston, and Tampa.

Q4: How can international investors participate?

A: Through programs like America Mortgages, non-U.S. citizens can get up to 75% financing without U.S. credit checks or personal financials, using rental income to qualify.

Q5: What kind of returns can I expect?

A: Depending on the strategy: 7–10% gross rental yields in high-growth markets, plus property appreciation, potentially yielding 10–14% annually or more.

Trump vs. The Fed: What Expats Need to Know Before Mortgage Rates Drop

Trump vs. The Fed

A Fed in Transition

The U.S. Federal Reserve is once again in the spotlight, and not just for its economic policy. President Trump has already removed Fed Governor Lisa Cook, one of the board’s most independent voices, and speculation is swirling about whether Fed Chair Jerome Powell could be next. If Powell is replaced or sidelined, the Fed’s leadership could tilt toward a board more aligned with Trump’s agenda.

Why does this matter to you as an expat or foreign national U.S. real estate investor? Because the Fed doesn’t just set interest rates. It shapes the cost of your U.S. mortgage, your refinancing opportunities, and the overall affordability of U.S. property.

Could This Mean Lower Interest Rates?

If the Fed’s independence is weakened, markets expect a stronger push toward lowering interest rates. Trump has long argued that cheaper money boosts growth, and with new board nominees leaning dovish, there’s real potential for mortgage rates to trend downward.

For global property investors, lower rates mean two things: more buying power and also increased competition.

More buying power: A 1% reduction in mortgage rates can translate into tens of thousands of dollars in savings over the life of a loan. It also means the chance to refinance into better terms if you already own U.S. property.

More competition: If interest rates drop, even slightly, we’re going to see a surge of buyers who’ve been sitting on the sidelines jump back into the market almost overnight. The problem? We’re still dealing with historically low inventory levels, which means more buyers competing for the same limited number of homes. That’s the perfect recipe for bidding wars, fast-moving deals, and ultimately, rising property prices. Buyers trying to “time the market” for the perfect rate may find themselves priced out of the homes they want when competition spikes. The reality is, once rates shift downward, demand will far outpace supply, again.

Savvy investors know you can’t time the market perfectly, but you can watch what sophisticated buyers are doing. Many are already positioning themselves now, locking in homes before the next rush begins. Even with current rates, real estate continues to offer long-term value, equity growth, and a hedge against inflation. If you find the right home now, you gain leverage, less competition, more negotiating power, and a chance to refinance later if rates improve. Waiting might feel safer, but in a market like this, being proactive is often the smarter financial move.

What This Means for You

1. If You Already Own a U.S. Home

Now is the time to prepare for refinancing. While today’s rates may still feel elevated, history shows that political pressure often leads to cuts. Starting the refinancing process now means you’ll be ready to lock in new terms as soon as the window opens.

2. If You’re Planning to Buy

Don’t wait on the sidelines. Inventory is opening up, and with America Mortgages as a direct lender and broker, loan programs for non-resident investors have never been more accessible. Across all 50 states, expats and foreign nationals can secure property today with creative loan programs regardless of passport. Buy at today’s rate, refinance later when rates drop, a strategy many of our clients use to maximize both timing and savings.

3. If You’ve Been Denied by Traditional Banks

Remember: America Mortgages specializes in solutions where local or U.S. banks often say “no.” We accept global income, rental income, and international financial profiles that traditional lenders ignore. Political changes at the Fed may shift rates, but what doesn’t change is our ability to deliver financing options built for you.

Why Act Now?

Markets move fast when politics and central banking collide. By the time rates actually come down, competition for U.S. homes may already be heating up. Acting now means:

  • Locking in a property before demand spikes.
  • Positioning yourself to refinance quickly.
  • Turning global uncertainty into a financial advantage.

Between the political push for lower rates and the long-term tax benefits of the “One Big Beautiful Bill Act,” U.S. property is becoming even more attractive for overseas investors. If you missed our full breakdown of The Big Beautiful Bill, catch up here.

At America Mortgages, providing U.S. mortgage loans to non-U.S. residents, both expats and foreign investors, isn’t a side business. It’s all we do. As a direct lender and super broker, we match your unique profile to the right program, not just any loan.

Why expats and foreign nationals choose America Mortgages:

  • No U.S. credit score required
  • Foreign income accepted for qualification
  • Financing up to 75–80% LTV
  • No U.S. residency or visa needed
  • Loans available for investment, vacation, or primary homes
  • Fast closings, sometimes in as little as 30 days

Final Word

Whether the Fed changes leadership or not, the direction is clear: the U.S. mortgage market is opening opportunities for those ready to act. Expats and foreign nationals shouldn’t let headlines about U.S. politics create hesitation. Instead, see them as signals to prepare and position yourself smartly.

At America Mortgages, we make U.S. property financing possible from anywhere in the world. With 150+ loan programs, global teams across 12 countries, and a streamlined process, we help you move from uncertainty to ownership, with no U.S. credit history required.

→ Start the process today. Buy now, refinance later, and let your U.S. property portfolio grow with you.

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 our 24/7 online booking tool to schedule a free, no-obligation consultation with a licensed U.S. mortgage advisor.

Frequently Asked Questions

Q1: Why does Fed leadership matter to foreign U.S. property investors?

A: Fed decisions influence mortgage rates, refinancing options, and overall affordability. Changes in leadership could push rates lower, affecting your buying power and competition.

Q2: Could interest rates drop soon?

A: Yes. Political pressure and new dovish board nominees may drive rates down, increasing buying power but also triggering more competition for limited inventory.

Q3: What should current U.S. property owners do?

A: Start preparing for refinancing now. Locking in favorable terms early allows you to take advantage of potential rate cuts quickly.

Q4: What about investors planning to buy?

A: Don’t wait. Expats and foreign nationals can access U.S. mortgage programs through America Mortgages, buy today, and refinance later to maximize savings.

Q5: What if I’ve been denied by traditional banks?

A: America Mortgages specializes in non-resident financing, accepting foreign income, rental income, and international financial profiles that traditional banks often reject.

Beyoncé, Jay-Z, and a $110M Mortgage: What They Know That You May Not

When you think of a mortgage, you probably imagine a buyer who needs financing to afford their home. In the luxury real estate market, even billionaires who could pay cash often choose to borrow.

Take Beyoncé and Jay-Z. According to The Real Deal, the power couple, worth over $3 billion, recently took out a second mortgage of nearly $60 million on their Bel Air mansion, bringing their total property debt to more than $110 million. This is despite purchasing the estate for $88 million cash in 2017.

Their Bel Air home is more than just an address; it features 8 bedrooms, 11 bathrooms, and four outdoor swimming pools. Between property taxes and mortgage payments, they are spending an estimated $650,000 each month.

They are not alone in this approach. Billionaire investor Nelson Peltz recently borrowed $68.5 million on his Palm Beach estate, adding to the $40 million loan he took in 2022.

Why would the ultra-wealthy take on this kind of debt? According to tax law scholar Edward McCaffery, the answer lies in a well-known wealth strategy called Buy, Borrow, Die:

  1. Buy – Acquire high-value assets such as prime real estate, art, or stocks.
  2. Borrow – Use those assets as collateral to secure loans. The borrowed funds can be used for investments, acquisitions, or lifestyle expenses. Borrowed money is not taxed as income, and interest rates are typically lower than the taxes owed if the assets were sold.
  3. Die – Pass the assets to heirs, who inherit them with minimal tax liability while settling any remaining loans.

This system enables the wealthy to keep their capital invested, avoid triggering taxable sales, and continue building wealth over decades.

How America Mortgages Can Help You Achieve the Same Advantage

You do not need to be a billionaire to benefit from the same principles. America Mortgages works with foreign nationals, U.S. expats, and global investors to structure U.S. mortgage financing that:

  • Unlocks equity in your property without forcing you to sell
  • Frees up liquidity for new investments while your property continues to appreciate
  • Uses competitive long-term fixed rates to stabilize costs while maximizing growth potential
  • Preserves your wealth by reducing taxable events and allowing you to strategically leverage your assets

With America Mortgages you enjoy:

  • No U.S. credit score required 
  • Foreign income accepted for qualification 
  • Financing up to 75–80% LTV (Larger loans may have LTV restrictions)
  • No U.S. residency or visa needed 
  • Loans available for investment, vacation, or primary homes 
  • Fast closings, sometimes in as little as 30 days

Whether you own a $500,000 condo or a $50 million estate, our U.S. lending team specializes in adapting these proven wealth strategies to your portfolio. We give you access to the same tools the ultra-wealthy have used for decades to grow, protect, and transfer their wealth.

Why this is no longer only for the wealthy

Since the concept started, wealthy individuals have leveraged asset-based lending (ABL) as a strategic tool to amplify their wealth without liquidating valuable holdings, allowing them to maintain ownership and benefit from long-term appreciation. By using assets such as real estate, securities portfolios, art collections, or business inventory as collateral, they secure loans at lower interest rates compared to unsecured borrowing, reducing overall borrowing costs and preserving cash flow for high-return investments.

This approach enables diversification into new ventures, like acquiring additional properties or funding startups, while avoiding capital gains taxes that would arise from selling assets outright. 

Furthermore, the interest on these loans is often tax-deductible when used for investment purposes, creating a compounding effect on wealth growth. 

America Mortgages’ ABL also provides liquidity during market volatility, empowering the wealthy to seize opportunistic deals or bridge short-term needs without disrupting their asset base, ultimately turning dormant equity into active capital that generates exponential returns.

In recent years, America Mortgages’ asset-based lending has democratized, becoming accessible to everyday individuals who recognize its potential, thanks to advancements in alternative finance models that bypass traditional banking hurdles. No longer confined to high-net-worth clients of elite institutions, America Mortgages’ ABL is now offered through our network with a broader range of collateral, including personal investments like stocks, cryptocurrencies, or even intellectual property, with streamlined approval processes powered by a global network and not the usual stringent options. 

This shift empowers savvy borrowers, regardless of wealth level to unlock hidden value in their assets, borrow at competitive rates, and invest in wealth-building opportunities. 

With increased financial literacy resources available online, anyone with the foresight to assess risks and align ABL with their goals can harness it to build generational wealth, leveling the playing field in a way that was unimaginable a decade ago.

Ready to see how this could work for you? Contact America Mortgages

today to discuss a tailored financing plan that works for your goals.

Contact[email protected]

Websitewww.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.