cross border mortgage guide for Canadians buying U.S. property

What Is a Cross Border Mortgage?

If you’re a Canadian homeowner looking to purchase property in the United States, a cross border mortgage strategy may help you achieve your goals without selling your existing home. By leveraging the equity you’ve built in your Canadian property through a HELOC, refinance, or other financing solution, you may be able to fund a down payment or qualify for a U.S. mortgage. This guide explains how cross border mortgages work, how Canadians can use home equity to buy U.S. property, and what financing options may be available.

Can Canadians Get a Cross Border Mortgage?

A cross border mortgage allows Canadian residents to finance real estate purchases in the United States while using assets, income, and equity accumulated in Canada. These financing solutions are commonly used by Canadians purchasing:

Vacation homes in Florida, Arizona, or California
U.S. investment properties
Retirement properties
Second homes

Unlike conventional U.S. mortgage programs, many foreign national mortgage options allow borrowers to qualify using Canadian income, Canadian bank statements, and foreign assets. Depending on the loan program, U.S. credit history may not be required.

For many borrowers, a cross border mortgage creates opportunities to expand real estate holdings without liquidating investments or selling property in Canada.

How Canadians Use Home Equity for a Cross Border Mortgage

Canadian homeowners often use existing equity as a source of capital for a down payment, reserves, or even an all-cash purchase. By leveraging home equity rather than selling investments, borrowers may preserve long-term portfolio growth while maintaining liquidity.

How a Cross Border Mortgage Works

Step 1: Unlock Equity in Canada or the U.K.

This is typically done through a:

Home Equity Line of Credit (HELOC)
Cash-out refinance of your primary residence
Remortgage with equity release in the U.K.
Bridge loan or structured drawdown facility

Once approved, you’ll receive lump-sum funds or access to credit backed by your existing home.

Step 2: Use Equity to Fund a U.S. Property Purchase

You can use the proceeds from your equity release as:

A full cash payment for a U.S. property
A down payment toward a U.S. mortgage
Capital to qualify for foreign national mortgage programs (often requiring 25 to 30 percent down)

Example Scenario

Client: Canadian homeowner in Vancouver
Home Value: CAD 1.5 million
Outstanding Mortgage: CAD 600,000
Available Equity: ~CAD 800,000
HELOC Withdrawal: CAD 400,000
Use of Funds: USD 200,000 down payment on a Florida condo, with a U.S. mortgage for the remaining balance

Result: Client buys a U.S. property without touching retirement savings or selling assets, while locking in long-term value in both countries.

Can Canadians Use a HELOC to Buy Property in the U.S.?

Many Canadians use a Home Equity Line of Credit (HELOC) as part of their cross-border financing strategy.

Common options include:

Canadian HELOC

A HELOC secured against a Canadian property allows homeowners to access available equity while maintaining ownership of their residence.

Cash-Out Refinance

Borrowers may refinance an existing mortgage and withdraw a portion of their accumulated equity.

Equity Release Programs

Some lenders offer structured equity release solutions designed to provide liquidity without requiring the sale of the underlying asset.

These funds can then be used toward:

Down payments
Closing costs
Cash reserves
Full property purchases

When structured correctly, using home equity can strengthen a borrower’s overall financing position when applying for a U.S. mortgage.

Foreign National Mortgages and Cross Border Financing

Many Canadians purchasing U.S. property qualify through Foreign National mortgage programs.

Depending on the lender and property type, available options may include:

Foreign National Loans

Designed specifically for non-U.S. residents purchasing property in the United States.

DSCR Loans

Investment property financing based primarily on rental income rather than personal income.

Bank Statement Loans

Alternative documentation loans using bank statements instead of traditional employment documents.

Asset-Based Mortgage Programs

Qualification based on liquid assets and reserves rather than employment income.

These programs may allow Canadian borrowers to qualify without U.S. tax returns, W-2s, or U.S. employment history.

Benefits of Using Canadian Home Equity to Buy U.S. Property

Using home equity as part of a cross border mortgage strategy offers several advantages.

Preserve Investment Portfolios

Borrowers can avoid selling stocks, retirement accounts, or other long-term investments.

Expand Real Estate Holdings

Accessing available equity may allow homeowners to purchase additional property while retaining existing assets.

Diversify Internationally

Owning property in multiple countries can provide geographic diversification and additional investment opportunities.

Increase Purchasing Power

Available equity can strengthen down payment capacity and improve financing flexibility.

Maintain Ownership of Existing Property

Rather than selling a home to access capital, borrowers may leverage existing equity while continuing to benefit from future appreciation.

Ownership Structures and Tax Considerations

Using foreign equity to buy U.S. property can raise important legal and tax questions, including:

Whether to hold the U.S. property in your name, an LLC, or a trust
How rental income will be taxed in the U.S.
Exposure to the U.S. estate tax
Whether foreign currency gains are reportable at home

It’s highly recommended to work with a cross-border tax advisor to structure the purchase in a way that minimizes liability and maximizes asset protection.

Common Uses of Cross-Border Financing

Vacation homes in Florida, California, or Arizona
Student housing near top U.S. universities (for children)
Investment properties in high-yield rental markets
Retirement planning and lifestyle relocation

Whether you plan to occupy the property or use it as a rental, equity-backed financing makes it easier to move quickly and compete with U.S.-based buyers.

Why Canadians Choose America Mortgages for Cross Border Mortgages

Cross-border transactions often require specialized knowledge that many traditional lenders cannot provide.

America Mortgages specializes in helping Canadians finance U.S. property through solutions designed for international borrowers.

Our team provides:

Foreign National mortgage programs
Support for Canadian income documentation
Experience with Canadian HELOC-sourced funds
DSCR and investment property financing
Remote closings
Guidance throughout the U.S. mortgage process

Whether you’re purchasing a vacation home, retirement property, or investment property, our team understands the complexities of cross-border financing.

Contact: [email protected]
Website: www.americamortgages.com

Speak to a U.S. Loan Expert: +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.

Frequently Asked Questions

Q1: What Is a Cross Border Mortgage?

A: A cross border mortgage is a financing solution that helps borrowers purchase property in one country while using income, assets, or equity from another country. For Canadians buying real estate in the United States, a cross border mortgage may allow qualification using Canadian income, Canadian bank statements, and funds sourced from Canadian assets or home equity.

Q2: Can Canadians Use Home Equity to Buy Property in the U.S.?

A: Yes. Many Canadians use the equity built up in their primary residence or investment property to help finance a U.S. home purchase. Funds obtained through a HELOC, cash-out refinance, or other equity release strategy can often be used for a down payment, closing costs, reserves, or even a full cash purchase, depending on the borrower’s goals.

Q3: Can I Use a HELOC to Purchase Property in the United States?

A: In many cases, yes. A Home Equity Line of Credit (HELOC) secured against a Canadian property can provide access to funds that may be used toward a U.S. property purchase. Borrowers frequently use HELOC proceeds for down payments and reserves when applying for foreign national mortgage programs in the United States.

Q4: Do Canadians Need U.S. Credit to Qualify for a Cross Border Mortgage?

A: Not always. Many foreign national mortgage programs are designed for borrowers who do not have an established U.S. credit history. Depending on the lender and loan program, alternative forms of credit verification, foreign credit reports, or asset-based qualification methods may be accepted.

Q5: Can Canadians Qualify Using Canadian Income?

A: Yes. Many U.S. mortgage programs for international buyers allow Canadian borrowers to qualify using income earned in Canada. Depending on the program, lenders may review employment income, self-employment income, bank statements, investment income, or other acceptable sources of revenue when evaluating eligibility.

Q6: What Down Payment Is Required for a Cross Border Mortgage?

A: Down payment requirements vary based on the property type, borrower profile, and mortgage program. Foreign national mortgage programs commonly require larger down payments than traditional U.S. mortgages, often ranging from 20% to 30% or more. The exact requirement depends on the lender’s underwriting guidelines.

Q7: Can Canadians Buy U.S. Investment Properties?

A: Yes. Canadians can purchase investment properties throughout the United States, including single-family rentals, vacation rentals, condominiums, and multifamily properties. Many foreign national and DSCR loan programs are specifically designed to help international investors acquire income-producing U.S. real estate.

Q8: What Documents Are Needed for a Cross Border Mortgage?

A: Documentation requirements vary by lender and loan program, but commonly include proof of identity, bank statements, evidence of available assets, property information, and documentation supporting income or financial strength. Foreign national borrowers may also be asked to provide translated documents if records are not in English.

Q10: Why Work With a Lender Experienced in Cross Border Mortgages?

A: Cross-border transactions often involve foreign income, international banking relationships, currency considerations, and unique documentation requirements. Working with a lender experienced in cross border mortgages can help simplify the process and provide access to financing solutions specifically designed for Canadian and other international borrowers.

Are you a citizen of Azerbaijan considering purchasing property in the United States? You’re not alone. A growing number of Azerbaijani nationals are exploring opportunities in U.S. real estate—whether as a second home, investment property, or primary residence.

In this article, we’ll explain how Azerbaijani citizens can qualify for a U.S. mortgage, which documents are required, and the loan programs specifically designed for international buyers like you.

Can Azerbaijani Citizens Purchase Real Estate in the U.S.?

Yes. Azerbaijani nationals can legally purchase both residential and investment real estate in the United States. There are no restrictions on foreign ownership of U.S. property. You do not need to hold a U.S. visa or green card to qualify.

Whether your goal is to diversify your portfolio, buy a vacation home, or immigrate in the future, the key to securing a mortgage lies in having a well-documented financial profile.

Comparing the U.S. and Azerbaijani Mortgage Markets

Understanding the differences between the U.S. and Azerbaijani mortgage systems will help you prepare and qualify for financing more efficiently.

Key Factor	United States	Azerbaijan
Homeownership Rate	~65%	~80%
Government Role	Large (Fannie Mae, Freddie Mac, FHA)	Moderate (via Mortgage and Credit Guarantee Fund)
Interest Deduction	Mortgage interest is deductible	Limited tax benefits
Capital Gains Tax	Exempt up to a threshold	Taxed on sale profits
Mortgage Guarantees	Common via government programs	Limited or income-based
Fixed-Rate Loans	Widely available (30 years+)	Less common, shorter terms
Down Payments	Start at 25% for foreign nationals	Typically 20–30%
Refinancing Options	Flexible, accessible	Limited
Home Equity Loans	Well-established market	Emerging, limited options
Real Estate GDP Share	~16%	~12%

Required Documents for Azerbaijani Citizens Buying U.S. Property

The documentation requirements depend on the purpose of the purchase (personal use vs. investment). Here’s what most U.S. lenders request from Azerbaijani nationals:

Valid Azerbaijani passport
Proof of available funds (down payment, reserves – foreign banks allowed)
Personal or business bank statements (only required for personal-use properties)
Income proof (salary slips or employment letter) for personal-use homes (not investment properties)
Tax returns (only needed if purchasing for relocation or vacation use)
No personal income verification is required for investment properties
No U.S. credit history is required when working with specialized international lenders such as America Mortgages

Mortgage Options for Azerbaijani Buyers in the U.S.

1. Foreign National Loans

These loans are designed specifically for non-resident foreign nationals, including Azerbaijani citizens. You don’t need a U.S. social security number or credit history. Approval is based on your international income and assets. These loans are suitable for:

Primary residences (if relocating)
Second homes (vacation properties)
Investment properties

2. DSCR Loans (Debt Service Coverage Ratio)

Perfect for Azerbaijani real estate investors, DSCR loans do not require personal income verification. Instead, they are based solely on the projected rental income of the property being purchased. It’s an efficient, documentation-light option for investors who are focused on rental yield.

Work with a U.S. Lender Who Understands International Buyers

America Mortgages is one of the few U.S. mortgage firms that exclusively serves foreign national borrowers. Our team specializes in helping Azerbaijani and other international clients secure U.S. financing without requiring U.S. credit, residency, or income verification (for investment loans).

Want to learn more?
Contact: [email protected]
Website: www.americamortgages.com

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

Need help getting started? Use their 24/7 online booking tool to schedule a free, no-obligation consultation with a licensed U.S. mortgage advisor. https://www.americamortgages.com/home-mortgage-for-foreign-national-form/

Frequently Asked Questions

Q1: Can Azerbaijani citizens buy U.S. property even without a visa or green card?

A: Yes. You can purchase property in the U.S. without a visa or green card there are no restrictions on foreign ownership.

Q2: Do investment property buyers need to prove their personal income?

A: No. If you’re buying for investment use, no personal income proof is required.

Q3: What type of loan can investors use without showing income?

A: DSCR loans based on projected rental income allow investors to qualify without income documentation

Q4: How much down payment is usually needed for Azerbaijani buyers?

A: Expect to pay at least 25% down when getting a U.S. mortgage as a foreign buyer.

Q5: What documents do you need to buy for personal use (not investment)?

A: You will need a valid Azerbaijani passport, proof of funds, bank statements, income verification (like pay slips or an employer letter), and tax returns if it’s for relocation or vacation use.

Azərbaycan Vətəndaşları ABŞ-da İpoteka Krediti Necə Ala Bilərlər?

ABŞ-da daşınmaz əmlak almağı düşünən bir Azərbaycan vətəndaşısınız?

Tək deyilsiniz. Getdikcə daha çox Azərbaycan vətəndaşı ABŞ daşınmaz əmlakına — istər ikinci ev, investisiya obyekti, istərsə də əsas yaşayış yeri kimi — maraq göstərir.

Bu məqalədə sizə ABŞ-da ipoteka krediti almağın yollarını, lazım olan sənədləri və sizin kimi beynəlxalq alıcılar üçün nəzərdə tutulmuş kredit proqramlarını izah edəcəyik.

Azərbaycan Vətəndaşları ABŞ-da Daşınmaz Əmlak Ala Bilərmi?

Bəli. Azərbaycan vətəndaşları ABŞ-da yaşayış və ya investisiya məqsədli daşınmaz əmlak ala bilərlər. ABŞ-da xarici vətəndaşların əmlak sahibi olmasına heç bir məhdudiyyət yoxdur. ABŞ vizası və ya yaşıl kart sahibi olmanız da vacib deyil.

Məqsədiniz portfelinizi diversifikasiya etmək, tətil evi almaq və ya gələcəkdə köçməkdirsə, ipoteka krediti almağın əsas yolu yaxşı sənədləşdirilmiş maliyyə profilinə malik olmaqdır.

ABŞ və Azərbaycan İpoteka Sistemlərinin Müqayisəsi

Əsas Faktor	ABŞ	Azərbaycan
Sahibkarlıq Faizi	~65%	~80%
Dövlətin Rolu	Geniş (Fannie Mae, Freddie Mac, FHA)	Orta (İpoteka və Kredit Zəmanət Fondu vasitəsilə)
Faiz Güzəştləri	İpoteka faizləri gəlirdən çıxılır	Məhduddur
Kapital Gəliri Vergisi	Əvvəlcədən müəyyən limitə qədər azaddır	Satışdan gəlir vergiyə cəlb olunur
Dövlət Zəmanətli Kreditlər	Genişdir	Məhdud və gəlir əsaslı
Sabit Faizli Kreditlər	Mövcuddur (30 il və daha çox)	Az yayılıb, qısa müddətli
İlkin Ödənişlər	Xaricilər üçün 25%-dən başlayır	Adətən 20–30%
Yenidən Maliyyələşdirmə	Elastik və əlçatandır	Məhduddur
İpoteka Əsaslı Kreditlər	İnkişaf etmiş bazar	Yeni inkişaf edir
Daşınmaz Əmlakın ÜDM-də Payı	~16%	~12%

Azərbaycan Vətəndaşları Üçün Lazım Olan Sənədlər

ABŞ-da daşınmaz əmlak almaq üçün lazım olan sənədlər alınan əmlakın məqsədindən (şəxsi istifadə və ya investisiya) asılı olaraq dəyişə bilər:

Etibarlı Azərbaycan pasportu
Mövcud vəsaitlərin sübutu (ilkin ödəniş və ehtiyat vəsaitlər – xarici banklar qəbul olunur)
Bank çıxarışları (şəxsi istifadə üçün alınan əmlaklarda)
Gəlirin sübutu (maaş cədvəlləri və ya iş məktubu) – yalnız şəxsi istifadə üçün
Vergi bəyannamələri – yalnız köçmək və ya tətil evi üçün alınan əmlakda
İnvestisiya əmlakı üçün şəxsi gəlir təsdiqi tələb olunmur
U.S. kredit tarixçəsi tələb olunmur — xüsusilə beynəlxalq müştərilərlə işləyən America Mortgages kimi ixtisaslaşmış kreditorlarla

Azərbaycan Vətəndaşları Üçün ABŞ-da İpoteka Seçimləri

1. Xarici Vətəndaşlar Üçün Kreditlər

Bu kreditlər ABŞ vətəndaşı olmayan xarici alıcılar üçün nəzərdə tutulub. ABŞ-da sosial təminat nömrəsi və ya kredit tarixçənizin olması tələb olunmur. Kredit aşağıdakı əmlaklar üçün uyğundur:

Əsas yaşayış yeri (əgər köçmə planı varsa)
İkinci evlər (tətil və şəxsi istifadə üçün)
İnvestisiya əmlakları

2. DSCR Kreditləri (Borcların Ödənmə Əhatə Əmsalı)

Azərbaycanlı daşınmaz əmlak investorları üçün mükəmməl seçimdir. DSCR kreditləri şəxsi gəlir təsdiqi olmadan verilir. Tək tələb olunan, alınan əmlakın proqnozlaşdırılan kirayə gəliridir. Sadə sənədləşmə ilə effektiv investisiya vasitəsidir.

Beynəlxalq Alıcıları Anlayan ABŞ Kreditoru ilə İşləyin

America Mortgages ABŞ-da yalnız xarici vətəndaşlara xidmət göstərən nadir ipoteka şirkətlərindəndir. Onların komandası Azərbaycan da daxil olmaqla bir çox beynəlxalq müştəriyə ABŞ ipoteka maliyyələşməsi təqdim edir – U.S. kredit tarixçəsi, rezidentlik və ya gəlir təsdiqi olmadan (investisiya kreditləri üçün).

Əlavə məlumat üçün əlaqə saxlayın:
📧 Email: [email protected]
🌐 Website: www.americamortgages.com
📞 24/7 ABŞ Kredit Mütəxəssisi ilə əlaqə: +1 845-583-0830
📅 Pulsuz məsləhətləşmə üçün görüş sifariş edin:
https://www.americamortgages.com/home-mortgage-for-foreign-national-form/

Looking to Invest in U.S. Property as a Foreign Buyer?

If you’re planning to purchase real estate in the United States using a foreign national mortgage, choosing the right city is just as important as selecting the right lender. Some cities offer better appreciation, higher rental yields, easier financing, or more expat-friendly regulations.

This guide compares some of the top U.S. cities for foreign buyers, using criteria such as mortgage access, rental income potential, affordability, and overall lifestyle appeal.

What Makes a City Ideal for Foreign Mortgage Borrowers?

Before we dive into the list, here are the main factors to consider when evaluating cities as an international buyer:

Foreign buyer demand
Property price trends and appreciation
Rental yield and occupancy rates
Lender appetite in the area
HOA or zoning rules affecting non-resident owners
Accessibility for international flights and remote closings

Let’s take a closer look at the best options.

1. Orlando, Florida

Why it works:
Orlando remains one of the most popular cities for international property buyers, particularly from the U.K., Canada, and Latin America.

Strengths:

High short-term rental demand near Disney and Universal Studios
Strong appreciation in suburban and vacation zones
Lenders are comfortable financing condos and villas for foreign nationals

Average Home Price: $390,000
Estimated Rental Yield: 6% to 8%
Best for: Vacation rentals and short-term income properties

2. Houston, Texas

Why it works:
Texas has no state income tax and a low cost of entry. Houston offers strong demand, a diverse international population, and year-round rental needs.

Strengths:

Low property taxes relative to property value
Favorable regulations for foreign ownership
Financing options are available for condos and detached homes

Average Home Price: $350,000
Estimated Rental Yield: 5% to 7%
Best for: Long-term rentals and buy-and-hold investments

3. Charlotte, North Carolina

Why it works:
Charlotte is a banking and tech hub with a growing rental market. It is ideal for foreign buyers seeking low-maintenance, income-generating assets.

Strengths:

Emerging real estate market with upside potential
Consistent demand from young professionals
Affordable price points for first-time buyers

Average Home Price: $380,000
Estimated Rental Yield: 6%
Best for: Long-term tenants and passive investors

4. Scottsdale, Arizona

Why it works:
With a warm climate, luxury communities, and a strong tourism economy, Scottsdale is popular among Canadian and Middle Eastern buyers.

Strengths:

Strong seasonal rental potential
Available financing for condos and resort properties
High-end neighborhoods with predictable appreciation

Average Home Price: $700,000
Estimated Rental Yield: 4% to 6%
Best for: Luxury second homes and snowbird retreats

5. Miami, Florida

Why it works:
As a global city, Miami attracts buyers from Europe, South America, and Asia. It offers strong long-term value and bilingual market support.

Strengths:

Diverse buyer base and international services
Condo-friendly lending options
Potential for rental income from short- and long-term leases

Average Home Price: $560,000
Estimated Rental Yield: 5%
Best for: International second homes and urban lifestyle buyers

6. Las Vegas, Nevada

Why it works:
Las Vegas offers low property taxes, no income tax, and strong returns from both traditional and vacation rental models.

Strengths:

High occupancy rates for rentals
Low property maintenance costs
Foreign national mortgages are widely available

Average Home Price: $420,000
Estimated Rental Yield: 6% to 8%
Best for: Mid-market investors and Airbnb strategies

7. Austin, Texas

Why it works:
A technology hub with a growing population and a high quality of life, Austin is one of the most consistent performers in real estate.

Strengths:

High demand for housing
The tech industry and the university provide tenant stability
Low cost of borrowing and long-term growth prospects

Average Home Price: $480,000
Estimated Rental Yield: 5%
Best for: Foreign buyers with medium-term hold strategies

Quick Snapshot: Market Comparison Table

City	Avg. Price	Rental Yield	Best For
Orlando, FL	$390,000	6%–8%	Vacation rental investors
Houston, TX	$350,000	5%–7%	Long-term cash flow buyers
Charlotte, NC	$380,000	6%	First-time foreign investors
Scottsdale, AZ	$700,000	4%–6%	Luxury second home buyers
Miami, FL	$560,000	5%	International city investors
Las Vegas, NV	$420,000	6%–8%	Short-term rental operators
Austin, TX	$480,000	5%	Tech-aligned foreign investors

Final Thoughts

The best U.S. city for your mortgage-backed property purchase will depend on your goals. Whether you’re seeking steady appreciation, short-term rental income, or long-term family housing, there’s a market that fits your profile.

For non-U.S. citizens, securing a mortgage with no U.S. credit or income is possible through foreign national mortgage programs. Just make sure to work with a lender that understands cross-border financing.

📧 Want help choosing the right market or getting pre-approved

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

Frequently Asked Questions

Q1: Which U.S. city offers the best short-term rental income for foreign buyers?

A: Orlando, Florida – it has high demand from tourists near Disney and Universal, with rental yields of 6%–8%.

Q2: Where can foreign buyers find low-cost entry and long-term rental potential?

A: Houston, Texas – it has no state income tax, low property taxes, and yields of 5%–7%, making it great for long-term rentals.

Q3: Which city is ideal for first-time foreign buyers looking for affordable, stable investments?

A: Charlotte, North Carolina – it’s a growing banking and tech hub, affordable at around $380,000 average price, with a 6% yield.

Q4: Where do foreign buyers go for luxury second homes or seasonal retreats?

A: Scottsdale, Arizona – offers high-end communities, seasonal rental demand, predictable appreciation, and yields of 4%–6%.

Q5: What makes cities like Miami, Las Vegas, and Austin appealing for foreign mortgage borrowers?

A: Miami – global city with multilingual services and strong condo lending, around $560K average price, 5% yield.
Las Vegas – no income tax, low maintenance, high occupancy, strong yields of 6%–8%.
Austin – tech hub with tenant stability, growing population, and 5% yield.

Can Expats Get Help With Down Payments in the U.S.?

Yes, they can.

While most U.S. government programs are limited to citizens and green card holders, international buyers still have options. Whether you’re moving to the U.S. temporarily or buying a vacation or second home, first-time expats can qualify for mortgage solutions that ease the upfront burden.

Let’s explore what’s available and how to take advantage of it.

1. Why the Down Payment Is a Key Barrier

Foreign national mortgages in the U.S. usually require:

25%–30% down payment
Full documentation of international income and assets
Currency conversion and transfer timelines

For a $500,000 home, this means $125,000 or more upfront, not including closing costs. That’s where expat-friendly financing structures and lender-based assistance programs can help bridge the gap.

2. Government DPA Programs: Not an Option for Expats

While the U.S. has thousands of state and local down payment assistance (DPA) programs, these typically require:

U.S. citizenship or permanent residency
Domestic employment or tax history
Local residency status

If you’re a non-resident buyer on a visa, work permit, or foreign passport, these programs do not apply.

But don’t worry, private solutions exist.

3. What Kind of Help Is Available?

✔️ Lower Down Payment Options Through Lenders

Some U.S. lenders, especially those focused on foreign national mortgages, offer programs that:

Reduce minimum down payments to 20%
Waive certain reserve or documentation requirements
Bundle down payment with favorable rate structures

Tip: America Mortgages specializes in these programs, requiring no U.S. credit or residency.

✔️ Use of Foreign Assets

If you have wealth abroad, you can use:

Foreign bank accounts
International income or bonuses
Liquid investments or business cash flow

…to qualify for a mortgage with reduced cash requirements. Lenders that accept international documentation can help first-time expats stretch their available liquidity.

✔️ Cross-Border Equity Unlocking

Own a home in Canada or the U.K.? You may be able to:

Take out a HELOC (home equity line of credit) on your current home
Use those funds as your down payment for a U.S. property

This strategy is becoming increasingly popular with expats who don’t want to disrupt their investments or sell local assets.

✔️ Gifted Funds

U.S. mortgage lenders generally accept family gifts for down payments, even from overseas. All you need is:

A signed gift letter stating that the money is not a loan
Proof of funds and transfer into a personal account
Timely documentation aligned with the purchase process

This is a smart way for parents or spouses to support a first-time U.S. home purchase without formal co-ownership.

4. Can Expats Be Considered First-Time Buyers?

Yes, absolutely. In the U.S., “first-time buyer” typically means:

You haven’t owned a home in the U.S. in the last 3 years
You are purchasing your first-ever property in the U.S.

You can still qualify for foreign national mortgage programs even if you own property abroad. The key factor is that this is your first U.S. real estate purchase.

5. How to Get Started

Gather documentation: Passport, proof of funds, foreign income, and banking details
Speak with a specialized lender: Regular U.S. banks often can’t help foreign buyers
Ask about reduced down payment structures: Not all lenders offer them, but many do
Explore co-financing or gifted funds: These options are fully legitimate and widely accepted

Final Takeaway

Even without access to U.S. government aid, first-time expats can reduce the burden of down payments with the right strategy and lender. Whether through foreign asset leveraging, gifted funds, or lender-based concessions, your U.S. homeownership journey doesn’t have to start with six figures in cash.

📧 Questions about down payment assistance or expat financing?

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

Relocating to the U.S. for Work? You Can Still Own a Home

Being transferred to the United States through your employer—whether on an L1, H1B, O1, or E2 visa—often brings a whirlwind of logistics, decisions, and financial considerations. One of the biggest: where to live. Many relocating professionals assume that renting is the only option during a temporary assignment. But that’s no longer the case.

In fact, non-U.S. citizens on temporary work assignments can qualify for a U.S. mortgage and buy a home to live in for the duration of their assignment. This approach offers stability, equity growth, and in many cases, financial savings compared to long-term renting.

Here’s what you need to know.

Who Qualifies for a U.S. Mortgage on Assignment?

If you are:

A foreign national working in the U.S. on a valid temporary visa (L1, H1B, E2, O1, etc.)
Employed by a multinational company with operations in the U.S.
Planning to stay in the country for at least 2 to 5 years
Earning income in USD or can verify your global salary
Interested in personal-use housing, not investment property

Then you likely qualify for a specialized mortgage program that caters to expatriates and transferred employees.

Why Buy Instead of Rent During a Temporary Assignment?

Stability: Avoid annual rent hikes and insecure lease renewals
Equity Growth: Build financial value instead of spending on rent
Tax Efficiency: Potential deductions on mortgage interest and property taxes
Comfort and Control: Customize your living space without landlord restrictions
Long-Term Value: Keep the property as a rental or second home after your assignment ends

In high-cost cities like New York, San Francisco, or Seattle, owning may be more affordable over 3–5 years than renting comparable homes.

What Mortgage Options Are Available?

1. Temporary Visa Home Loans

Many lenders now offer mortgage programs specifically designed for foreign nationals on:

L1 and H1B visas
E1/E2 treaty visas
O1/O2 specialty visas
Other long-stay employment-based visa types

These loans generally offer:

20 to 30% down payment
Flexible documentation requirements
Acceptance of both U.S. and international income
Loan terms up to 30 years
Eligibility based on visa duration and employer support

2. Foreign National Mortgages

If you’re not drawing a U.S. salary but still relocating for work, you may qualify for a foreign national mortgage, which uses:

Proof of foreign income (bank statements, employer letters, contracts)
No U.S. credit score requirement
Down payments starting at 25%
No need for U.S. tax returns

This option is common for executives or senior managers who continue to be paid in their home country during an international assignment.

Required Documents

Although documentation requirements vary by lender, you’ll typically need:

Valid passport and visa documents
Employment contract or assignment letter from your company
Bank statements showing assets for down payment and reserves
Recent pay stubs or foreign salary verification
U.S. credit score (if applicable), or foreign credit reference
U.S. address or intended property location

Many lenders accept documents in foreign currencies and languages, provided they are translated and verified.

Locations Popular With Relocating Professionals

City	Industry Presence
New York, NY	Finance, law, consulting, tech
San Francisco, CA	Technology, venture capital, life sciences
Austin, TX	Startups, tech, semiconductors
Seattle, WA	E-commerce, cloud computing, aviation
Miami, FL	Latin American HQs, finance, global trade
Boston, MA	Education, pharma, healthcare

These cities offer strong job markets, global corporate offices, and vibrant communities for expat families.

Can You Keep the Property After the Assignment Ends?

Yes. Many homeowners choose to convert their U.S. property into a long-term rental, vacation home, or even second residence after they return to their home country.

Some investors even use DSCR loans to refinance and repurpose the property as an income-generating asset later on.

Work With a Lender Who Understands Global Mobility

Traditional U.S. banks are often unfamiliar with international employment structures and non-resident underwriting. That’s why it’s essential to work with a specialist like America Mortgages, who provides:

Mortgages to foreign nationals and visa holders
Cross-border document processing
Remote application and closing capabilities
Personalized advice from experts in global mobility lending

Final Thoughts

If your company is relocating you to the United States, you don’t have to settle for rental housing. With the right mortgage solution, you can own a home, grow your wealth, and create a more stable living experience during your assignment.

📧 Questions about your mortgage options while on assignment?

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

Who Offers the Best U.S. Investment Property Loans for International Buyers?

As international demand for U.S. real estate grows, foreign nationals and U.S. expats face one big challenge: finding a lender that understands their unique, cross-border financial profiles. While HSBC is a global banking giant, it wasn’t built with international property investors in mind especially U.S. property investors. In contrast, America Mortgages was founded to serve this exact market specifically, offering high-LTV loans, flexible mortgage loan programs, and a fully global underwriting model.

This comparison highlights:

HSBC
America Mortgages

We’ll evaluate them across critical categories:

Loan eligibility for foreign nationals
Global underwriting experience
Loan structures & flexibility
Maximum loan size
Required documentation
Turnaround time
Property type coverage

Why America Mortgages Is the #1 Choice for Foreign Nationals & U.S. Expats

Built for Global Investors

While HSBC is known for its international banking presence, its U.S. mortgage division is often constrained by domestic lending policies. America Mortgages, on the other hand, is 100% focused on providing U.S. mortgage loans to non-residents and expats. Their business model, underwriting, and team are all dedicated to serving:

Foreign nationals with no U.S. credit or residency
U.S. expats with foreign income and tax returns
HNW investors with complex international portfolios
Investor focused DSCR loans that do not require personal income but rather qualify on the ability for the property’s rental income to pay the mortgage

Largest Loan Sizes & High LTV

America Mortgages offers:

Loan amounts up to $100 million
LTV ratios up to 80%
Available for residential, commercial, and portfolio properties

HSBC’s foreign national mortgage options typically cap out between $2M–$3M, with maximum LTVs around 70%, and only for residential properties in select states. For larger deals or diversified portfolios, investors will find HSBC’s products too restrictive. They also require you to establish or maintain an HSBC Premier Bank Account which requires you to park money into an account that is not making money for you. Does this make sense?

Flexible Loan Programs for Global Portfolios

America Mortgages provides an unmatched range of products, including:

Interest-only loans (fixed up to 10 years)
Adjustable and fixed-rate mortgages
Bridge financing, cash-out, refinance, and portfolio loans
Commercial and short-term rental/Airbnb property financing
No requirement for a U.S. credit score, SSN, visa or residency

HSBC, while offering select expat-friendly products, tends to have:

More rigid underwriting and loan terms
Lower flexibility using only personal income to qualify
Limited property types (mainly residential)
Strict documentation standards tied to U.S. financial identity

Global Reach with Local Expertise

America Mortgages underwrites borrowers in 50+ countries, accepting:

Foreign tax returns and financials
Non-U.S. business and self-employment income
International bank and investment statements

HSBC may have strong global branding, but its U.S. mortgage operations often require U.S.-based documentation, proof of U.S. income, or established U.S. credit, reducing accessibility for non-residents and foreign investors.

Lender Comparison Table

Lender	Foreign National Friendly	Max LTV	Max Loan Size	Credit History Needed	Investment Focus	Property Types	Loan Flexibility
America Mortgages	✅ Designed for foreigners	80%	$100M+	❌ No U.S. credit needed	✅ Yes	✅ Residential + Commercial	✅ Very High
HSBC	✅ Global bank, U.S. limited	70%	$2M–$3M	✅ Usually required	❗ Not investor-focused	✅ Residential	❗ Medium

Common Pitfalls with HSBC for Foreign Investors

Documentation tied to U.S. credit and income
Limited loan sizes and lower LTVs
No commercial or portfolio lending
Inflexible loan programs tied to bank underwriting
Longer approval cycles for foreign buyers
May require U.S. tax returns or W-2 income for U.S. expats

Who Should Choose America Mortgages?

Foreign nationals with no U.S. credit history
U.S. expats earning and filing abroad with no W2 required
Investors purchasing rental properties or commercial real estate
Buyers seeking $1M+ loans or bridge/refinance options
Clients looking for a concierge-style lending experience across borders

Final Verdict: America Mortgages Dominates International U.S. Lending

While HSBC brings global name recognition, it falls short on flexibility, product range, and accessibility for foreign buyers investing in U.S. real estate. America Mortgages, by contrast, delivers exactly what international investors need: high LTVs, large loan capacities, no U.S. credit requirements, and loan programs tailored to global income and documentation.

Contact: [email protected]
Website: www.americamortgages.com

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

Frequently Asked Questions

Q1: Why does America Mortgages stand out compared to HSBC for foreign buyers?

A: America Mortgages is built specifically for non-U.S. buyers and expats; its full business model, underwriting, and loan programs are tailored to international investors unlike HSBC, which is more constrained by U.S.-centric rules.

Q2: What are the loan size and LTV limits for America Mortgages versus HSBC?

A: America Mortgages offers loans up to $100 million with up to 80% LTV for many property types. HSBC caps loans around $2–3 million with up to 70% LTV and restricted to residential properties.

Q3: Does America Mortgages require U.S. credit history or documentation?

A: No. It accepts foreign tax returns, international income, and financial statements. There’s no U.S. credit score, SSN, or visa requirement. HSBC typically requires U.S.-based documentation and credit.

Q4: What is the variety of loan types offered by America Mortgages compared to HSBC?

A: America Mortgages provides highly flexible programs interest-only loans, fixed and adjustable rates, bridge, cash-out refi, portfolio, commercial, and short-term rental/Airbnb financing. HSBC is limited mostly to residential mortgages and less flexible terms.

Q5: Final takeaway: which lender is better for global real estate investors?

A: America Mortgages clearly leads for global or U.S. expat property investors thanks to its loan flexibility, high loan size, and attuned international underwriting. HSBC’s brand is strong, but its U.S. mortgage offerings are more rigid and limited.

We’ve often been asked, can non-U.S. citizens get a mortgage in the U.S.? While we have in-depth articles on how citizens of other countries, not living in the U.S. can buy real estate in the U.S. In this article we will concentrate on all things related to U.S. expats obtaining a U.S. mortgage while living and earning their income abroad.

So, if you are a U.S. expat and residing outside of America, earning foreign income, no W2 or even limited U.S. credit and wish to obtain a U.S. mortgage, we have good news – it’s absolutely possible with America Mortgages by your side!

Can U.S. Expats Obtain a Mortgage in the U.S.?

Yes, with America Mortgages, a U.S. expat can obtain a mortgage to buy or refinance property in the U.S. and we make it just as if you walked into your local bank.

As a U.S. expat, you hold either a U.S. passport or a green card. However, when earning your income abroad and in foreign currency it is often a deal breaker for most U.S. banks, even if you’ve banked with them for years. However, with America Mortgages you can get a mortgage for a variety of real estate properties – second home, holiday home or pure investment purposes. Which means, it must be rented and not personally occupied by the mortgagee.

Who is eligible for a U.S. mortgage?

Getting a U.S. mortgage is surprisingly flexible and there are options to suit various financial situations.

First and most importantly, if you’re a U.S. expat you should have a FICO score of at least 640. As a U.S. expat you need to provide two years of U.S. tax returns, most recent pay statements and two months bank statements, just as you would for a conventional mortgage loan, however, there is no W2 required. If you’re buying as a pure investment property, you can qualify without any personal income, and there’s no need to provide a W2 or tax returns. In fact, you can skip the personal income route altogether and qualify based on rental income from an investment property.

There are also high-net-worth loan programs that don’t require assets under management (AUM), making it easier for wealthier individuals to get approved. And if you are self employed, there are special loan programs.

Documents needed to apply for a U.S. mortgage

1. Loan application completed
2. Valid U.S. Passport
3. Bank statements or financials showing down payment (purchase only)
4. Credit report from your home country or country of residence (U.S. credit not required)
5. If you are choosing to provide personal income, you will need to provide either an income letter or tax returns (no income loans are available)

The ⁠⁠minimum loan amount is $150,000 & up to 80% LTV.

How Can U.S. Expats Obtain a U.S. Mortgage?

By working with America Mortgages, you can access a range of mortgage loan options that are suited to you and receive expert guidance and support throughout the mortgage process. Foreign nationals can get up to 75% financing, and U.S. expats can get up to 80% financing in all 50 states. This can help you make informed decisions about your mortgage options, increase your chances of obtaining a loan that meets your needs, and enable you to achieve your real estate investment goals.

America Mortgages is a trusted provider of U.S. mortgage solutions for foreign nationals, including Indonesian investors. Their team understands global markets and offers financing options that are clear, competitive, and fast to close.

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

Frequently Asked Questions

Q1: Can U.S. expats get a mortgage in the U.S.?

A: Yes! Even if you’re living abroad with foreign income or no W-2 forms, America Mortgages makes it possible for U.S. expats to buy or refinance U.S. property

Q2: What credit score do U.S. expats need?

A: You should have a FICO score of at least 640 to qualify

Q3: Which documents are needed to apply?

A: You need a completed loan application, a valid U.S. passport, bank statements showing down payment, and a credit report from your country of residence. U.S. income documentation is optional

Q4: What is the minimum loan amount and how much can you borrow?

A: Minimum loan is $150,000, and expats can borrow up to 80% of the property’s value (80% LTV) across all 50 states

Q5: Are there special programs for self-employed or high-net-worth expats?

A: Yes! There are tailored loan options for high-net-worth individuals (with no assets-under-management requirements) and for self-employed borrowers

¿Pueden los Expatriados Estadounidenses Obtener una Hipoteca en EE.UU.?

Nos preguntan con frecuencia: ¿pueden los no ciudadanos obtener una hipoteca en Estados Unidos? Si bien tenemos artículos detallados sobre cómo ciudadanos de otros países pueden comprar propiedades en EE.UU., en este artículo nos centraremos exclusivamente en los ciudadanos estadounidenses que viven y trabajan en el extranjero —es decir, los expatriados estadounidenses— y cómo pueden obtener una hipoteca en EE.UU.

Si eres un expatriado estadounidense que reside fuera del país, gana ingresos en el extranjero, no tiene un W2 y cuenta con un historial crediticio limitado en EE.UU., ¡tenemos buenas noticias!
👉 Sí es posible obtener una hipoteca en EE.UU. con America Mortgages a tu lado.

¿Pueden los Expatriados Estadounidenses Obtener una Hipoteca en EE.UU.?

Sí. Con America Mortgages, un expatriado estadounidense puede obtener una hipoteca para comprar o refinanciar una propiedad en Estados Unidos. Y hacemos que el proceso sea tan sencillo como si estuvieras visitando tu banco local.

Como expatriado, posees un pasaporte estadounidense o una tarjeta de residencia (Green Card). Sin embargo, al generar ingresos en el extranjero y en moneda extranjera, muchos bancos estadounidenses rechazan solicitudes, incluso si llevas años como cliente.
Con America Mortgages, puedes obtener financiamiento para varios tipos de propiedades:

Segunda vivienda
Casa de vacaciones
Propiedad para inversión (debe estar alquilada y no ocupada por el propietario)

¿Quién es Elegible para una Hipoteca en EE.UU.?

Obtener una hipoteca en EE.UU. es sorprendentemente flexible. Existen opciones para diversas situaciones financieras.

Requisitos principales para expatriados estadounidenses:

Tener un puntaje FICO mínimo de 640
Presentar dos años de declaraciones fiscales en EE.UU.
Proporcionar los últimos recibos de pago y dos meses de estados bancarios
No se requiere W2

✅ Si compras una propiedad para inversión, puedes calificar sin necesidad de mostrar ingresos personales.
✅ Puedes calificar únicamente sobre la base de los ingresos por alquiler de la propiedad.

También existen programas para personas de alto patrimonio que no requieren activos bajo gestión (AUM).
¿Trabajas por cuenta propia? Hay programas especiales para trabajadores autónomos también.

Documentos Requeridos para Solicitar una Hipoteca en EE.UU.

Solicitud de préstamo completada
Pasaporte estadounidense válido
Estados financieros que demuestren el pago inicial (solo para compras)
Informe de crédito de tu país de residencia (no se requiere historial crediticio estadounidense)
Si eliges proporcionar ingresos personales, puedes presentar una carta de ingresos o declaraciones fiscales (también hay préstamos sin verificación de ingresos disponibles)

🔹 Monto mínimo del préstamo: $150,000
🔹 Financiamiento hasta el 80% del valor de la propiedad (LTV)

¿Cómo Pueden los Expatriados Estadounidenses Obtener una Hipoteca?

Trabajando con America Mortgages, tendrás acceso a una variedad de opciones hipotecarias diseñadas para expatriados y recibirás asesoría experta durante todo el proceso.

Los ciudadanos estadounidenses expatriados pueden financiar hasta el 80% del valor de la propiedad.
Los ciudadanos extranjeros pueden financiar hasta el 75%.

Esto te permite tomar decisiones informadas, aumentar tus probabilidades de aprobación y alcanzar tus metas de inversión inmobiliaria en EE.UU.

¿Por Qué Elegir America Mortgages?

America Mortgages es un proveedor confiable de soluciones hipotecarias en EE.UU. para expatriados estadounidenses y ciudadanos extranjeros. Su equipo comprende los mercados globales y ofrece opciones de financiamiento claras, competitivas y de cierre rápido.

📧 Correo electrónico: [email protected]
🌐 Sitio web: www.americamortgages.com
📞 Línea de soporte 24/7 para préstamos en EE.UU.: +1 845-583-0830

📅 ¿Necesitas ayuda para comenzar?
Reserva una consulta gratuita y sin compromiso con un asesor hipotecario con licencia en EE.UU.:
👉 Agendar cita 24/7

Dreaming of Retiring in the United States?

You’re not alone. Each year, thousands of non-U.S. citizens explore the idea of retiring in America, drawn by its high-quality healthcare, diverse climates, vibrant communities, and proximity to family.

Whether it’s a beachside condo in Florida, a desert retreat in Arizona, or a quiet lakeside home in North Carolina, the U.S. offers retirement lifestyle options for nearly every budget and preference.

But here’s a common question:

Can foreign nationals get a mortgage to buy a U.S. retirement home?

Yes, you absolutely can.

This article walks you through your mortgage options, what documents you’ll need, and how to secure your dream home for retirement, even if you don’t live or work in the U.S.

Can Foreign Nationals Get U.S. Mortgages?

Yes.

You do not need to be a U.S. citizen or green card holder to own property or qualify for financing in the U.S. Through specialized lending programs known as foreign national mortgages, international buyers can purchase property for retirement or vacation use, no U.S. credit or residency required.

What Is a Foreign National Mortgage?

A foreign national mortgage is a home loan designed for buyers who:

Do not hold U.S. citizenship or permanent residency
Live and earn income outside the U.S.
Have no U.S. credit history or Social Security number
Intend to use the property for personal use (not full-time rental)

These mortgages are underwritten using foreign documentation, including international income, assets, and passports.

Why Buy Instead of Rent for Retirement?

Stability: No lease hikes, no landlord issues, your home is yours
Equity: You’re building value instead of spending it
Customization: Modify or furnish your home to suit your retirement lifestyle
Legacy: Property can be gifted or inherited by children
Rental Flexibility: Use the property seasonally and rent it when you’re away

For retirees who split time between countries (e.g., snowbirds), owning a U.S. home also ensures continuity and comfort.

Mortgage Highlights for Retiring Foreign Nationals

Feature	Details
Down Payment	Typically 25–30%
Loan Term	15–30 years
Income Sources	Retirement income, foreign pensions, and rental income
Credit Requirements	No U.S. credit required
Eligible Visas	Any (no visa needed to buy real estate)
Property Type	Must be personal-use (not full-time rental)

Note: Some lenders allow short-term rentals or limited Airbnb-style usage when the home is not occupied.

What Documents Will You Need?

Here’s a typical document checklist for a foreign national retirement mortgage:

Valid foreign passport
Proof of income (e.g., pension letters, rental income, investment returns)
3–6 months of foreign bank statements
Proof of funds for down payment + reserves
International credit reference (if available, but not required)
U.S. property contract or intent to purchase

Best U.S. States for Retirement Property

State	Why It’s Popular for Retirees
Florida	No state income tax, warm weather, and retiree-friendly laws
Arizona	Desert beauty, low cost of living, active adult communities
North Carolina	Scenic mountain and beach towns, affordable real estate
Texas	Diverse cities, low taxes, and strong healthcare access
Nevada	No income tax, low-maintenance homes, proximity to California
California	Climate diversity, premium healthcare, ideal for part-time residents

Can I Buy on a Retirement or Visitor Visa?

Yes.

You do not need a green card, work visa, or long-term residency to purchase property in the U.S.
Many foreign retirees own U.S. homes while on:

B1/B2 Visitor Visas (extended visits)
E-2 Investment Visas
Retirement-related family sponsorships
No visa at all, as long as they don’t intend to work

What About Taxes?

When you own U.S. property as a foreign national, you may be subject to:

Property taxes (vary by state and municipality)
Rental income taxes, if applicable
Estate taxes in the U.S. on property above a certain value

To minimize exposure and ensure efficient legacy planning, some retirees purchase through:

A revocable trust
A limited liability company (LLC)
An international estate plan

Always consult a cross-border tax advisor to structure your purchase properly.

Work With the Right Mortgage Partner

U.S. banks often struggle to serve non-resident buyers. That’s why working with a lender like America Mortgages, which focuses 100% on financing foreign nationals, is crucial. They offer:

Remote application and closing
Acceptance of foreign financial documents
Fast turnaround, even with no U.S. credit
Dedicated advisors who understand retirement planning

Final Thoughts

Your dream of retiring in the United States doesn’t have to start with writing a massive check. With the right mortgage, you can finance your future, build equity, and enjoy a property tailored to your retirement needs.

Whether you’re retiring next year or just planning, owning a U.S. home is possible, even from abroad.

📧 Want to explore your retirement mortgage options

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

Foreign buyers purchased $56 billion worth of U.S. existing homes from April 2024 to March 2025, a 33.2% increase compared to the previous year, according to the National Association of REALTORS® (NAR). This also represents a 44% increase in the number of properties purchased, totaling 78,100, marking the first year-over-year increase since 2017.

But it is not just the total spend that tells the story. It is where the money is going.

According to The Real Deal, Miami continues to be the top choice for international buyers, capturing 8.7% of all foreign demand. Its combination of tax advantages, sunshine, and investment-grade rental yields keeps it at the front of the pack.

However, the real trend is diversification.

In the first half of 2025, New York City saw its volume of international buyers double year over year. That growth is being led by buyers from Asia, the Middle East, and Latin America, who are snapping up trophy homes and long-term investment properties in legacy neighborhoods.

Meanwhile, the Bay Area is back in focus. After a slowdown during the pandemic, overseas buyers are returning to San Francisco and Silicon Valley. Proximity to top universities, tech companies, and high appreciation potential is drawing global capital back in.

And there is more.

Texas cities like Austin, San Antonio, and Dallas are quickly becoming global favorites. International investors are looking for affordability, strong rental income, and stable long-term returns in fast-growing Sun Belt metros.

At America Mortgages, we are seeing it all firsthand.

From high-net-worth investors in Singapore, London and Dubai, to first-time buyers in Zurich and Hong Kong, these clients are not just buying holiday homes, they are buying investment properties around the U.S., building portfolios with strategy and speed.

The one thing that holds most buyers back? Financing.

That is where we come in.

We make U.S. real estate possible for non-residents.

At America Mortgages, providing U.S. mortgage loans to non U.S. residents, both expats and foreign investors, isn’t a “side job” for us. It’s all we do. As a direct lender and super broker, we have the ability not to find “just a loan” but a loan that is specific to your needs and your requirements. Our loan programs feature;

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
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 in ALL 50 U.S. states

The U.S. real estate market remains one of the most stable, scalable, and secure investment options globally. And with the right financing, it is accessible to you.

Want to know how much you can borrow and where you can buy?

Let’s build your U.S. strategy.

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 U.S. mortgage advisor. https://www.americamortgages.com/home-mortgage-for-foreign-national-form/

Para Cuando Leas Esto, Otro Inversor Extranjero Ya Habrá Comprado una Casa en EE. UU.

Los compradores extranjeros adquirieron propiedades residenciales existentes en Estados Unidos por un valor de 56 mil millones de dólares entre abril de 2024 y marzo de 2025, lo que representa un aumento del 33.2% en comparación con el año anterior, según la National Association of REALTORS® (NAR). Esto también equivale a un aumento del 44% en el número de propiedades compradas, alcanzando un total de 78,100, marcando el primer aumento interanual desde 2017.

Pero no se trata solo del gasto total. Lo importante es dónde se está invirtiendo ese dinero.

Según The Real Deal, Miami sigue siendo la principal opción para compradores internacionales, capturando el 8.7% de toda la demanda extranjera. Su combinación de ventajas fiscales, clima soleado y rentabilidades atractivas la mantiene como líder del mercado.

Sin embargo, la tendencia real es la diversificación.

En la primera mitad de 2025, la ciudad de Nueva York duplicó el volumen de compradores internacionales en comparación con el año anterior. Este crecimiento está siendo impulsado por compradores de Asia, Medio Oriente y América Latina, quienes están adquiriendo propiedades emblemáticas y de inversión a largo plazo en vecindarios tradicionales.

Mientras tanto, el Área de la Bahía vuelve a estar en el foco. Tras una desaceleración durante la pandemia, los compradores extranjeros están regresando a San Francisco y Silicon Valley. La cercanía a universidades de prestigio, empresas tecnológicas y un alto potencial de apreciación está atrayendo nuevamente capital global.

Y hay más.

Ciudades de Texas como Austin, San Antonio y Dallas se están convirtiendo rápidamente en favoritas a nivel internacional. Los inversores buscan accesibilidad, fuertes ingresos por alquiler y retornos estables a largo plazo en las áreas de más rápido crecimiento del Sun Belt.

En America Mortgages, lo estamos viendo todo de primera mano.

Desde inversores de alto patrimonio en Singapur, Londres y Dubái, hasta compradores primerizos en Zúrich y Hong Kong, estos clientes no están comprando solo casas vacacionales, sino propiedades de inversión por todo EE. UU., construyendo carteras con estrategia y rapidez.

¿El principal obstáculo para la mayoría de los compradores? El financiamiento.

Ahí es donde entramos nosotros.

Hacemos posible invertir en bienes raíces en EE. UU. para no residentes.

En America Mortgages, otorgar préstamos hipotecarios en EE. UU. a no residentes estadounidenses, ya sean expatriados o inversores extranjeros, no es algo secundario. Es todo lo que hacemos. Como prestamista directo y super broker, no solo buscamos “un préstamo”, sino el préstamo adecuado para tus necesidades y requisitos. Nuestros programas de préstamo ofrecen:

No se requiere historial crediticio en EE. UU.
Se acepta ingreso extranjero
Hasta el 80% de préstamo sobre el valor de la propiedad (LTV)
Más de 150 programas hipotecarios diseñados para no ciudadanos estadounidenses
Tasas fijas de hasta 30 años
Préstamos desde $150,000 USD
DSCR – Préstamos para propiedades de inversión sin necesidad de comprobar ingreso personal
Tasas fijas a 30 años sin importar la edad del prestatario
Préstamos a interés solo fijo por 10 años
No se requiere W2 para expatriados estadounidenses y se acepta ingreso extranjero
Préstamos hipotecarios en los 50 estados de EE. UU.

El mercado inmobiliario estadounidense sigue siendo una de las opciones de inversión más estables, escalables y seguras del mundo. Y con el financiamiento adecuado, puede estar al alcance de tu mano.

¿Quieres saber cuánto puedes pedir prestado y dónde puedes comprar?

Construyamos tu estrategia en EE. UU.

Contacto: [email protected]
Sitio web: www.americamortgages.com
Habla con un experto hipotecario en EE. UU. 24/7: +1 845-583-0830

¿Necesitas ayuda para comenzar? Utiliza nuestra herramienta de reserva en línea disponible 24/7 para agendar una consulta gratuita y sin compromiso con un asesor hipotecario en EE. UU.:
https://www.americamortgages.com/home-mortgage-for-foreign-national-form/

等你读到这篇文章时，又有一位外国投资者买下了一套美国房产

根据全美房地产经纪人协会（NAR）的数据，从2024年4月到2025年3月，外国买家购买了价值560亿美元的美国现有住宅，比前一年增长了33.2%。购买的房产总数也增加了44%，达到78,100套，这是自2017年以来首次出现同比增长。

但不仅仅是总金额值得关注，关键是这些资金流向了哪里。

据《The Real Deal》报道，迈阿密继续稳居国际买家的首选，吸引了**8.7%**的外国需求。得益于其税收优势、阳光气候和具有投资价值的租金收益，迈阿密始终位于榜首。

不过，真正的趋势是多元化。

2025年上半年，纽约市的国际买家数量同比翻了一倍。亚洲、中东和拉丁美洲的买家正带动这股增长潮，他们正在传统社区抢购豪宅和长期投资型房产。

与此同时，湾区也重新回到聚光灯下。在疫情期间经历了一段低迷后，海外买家开始回归旧金山和硅谷。这里靠近顶尖大学、科技公司，具备极高的升值潜力，正吸引全球资本回流。

而这还不是全部。

德克萨斯州的奥斯汀、圣安东尼奥和达拉斯等城市，正迅速成为全球投资者的新宠。这些国际买家正在寻找价格可承受、租金回报强劲、长期收益稳定的增长型城市，尤其是在快速发展的“太阳地带”。

在 America Mortgages，我们正亲眼见证这一切。

从新加坡、伦敦和迪拜的高净值投资者，到苏黎世和香港的首次购房者，这些客户购买的可不仅仅是度假屋，他们正在美国各地购买投资型房产，用策略与速度建立自己的投资组合。

那么，阻碍大多数买家的最大障碍是什么？融资。

这正是我们擅长的领域。

我们帮助非美国居民实现投资美国房地产的可能。

在 America Mortgages，专为非美国居民（包括外籍人士和外国投资者）提供美国房贷，不是我们的副业，而是我们专注的全部。作为直接放贷人兼超级贷款中介，我们不仅为您“找到一个贷款”，而是匹配最适合您需求的贷款产品。

我们的贷款计划包括：

无需美国信用评分
接受海外收入
最高可贷房产价值的80%（LTV）
150多种专为非美国公民设计的贷款方案
最长期限为30年的固定利率贷款
最低贷款金额为15万美元
DSCR投资房贷款 – 无需提供个人收入即可获批
无论借款人年龄多大，均可申请30年固定利率贷款
10年期固定利率只还利息贷款
美国外籍人士无需提供W2表格，接受海外收入
覆盖美国所有50个州的房贷服务

美国房地产市场依旧是全球最稳定、可扩展、最安全的投资渠道之一。只要有合适的融资，您也能轻松进入这个市场。

想知道您可以贷多少？可以在哪些地方购房？

让我们一起制定您的美国投资策略。

联系方式: [email protected]
官网: www.americamortgages.com
全天候联系美国贷款专家：+1 845-583-0830

准备开始了吗？使用我们的 24/7 在线预约工具，立即安排与美国房贷顾问的免费无义务咨询：
https://www.americamortgages.com/home-mortgage-for-foreign-national-form/