Q&A: Macro Matters – What’s Driving your Dollar

Macro Matters | Investing In Mortgage Loans

In the exclusive webinar, “Macro Matters – What’s Driving Your Dollar,” Donald Klip (DK), Co-founder of America Mortgages, and Geo Chen (GC), author of the macro newsletter Fidenza Macro, shared timely insights into the current global macro landscape—including inflation, gold, crypto, U.S. dollar trends, and how they tie into U.S. real estate investing.

For those who missed it, the recording is available here.

During the session, DK and GC addressed key questions around market positioning, geopolitical risk, portfolio allocation for the second half of 2025, and why U.S. real estate continues to stand out—especially for international investors seeking yield, stability, and long-term upside.

Remarks have been edited for clarity and brevity.

What macro signals are you watching that could shift gold’s current trend?

GC: A major fiscal tightening movement in the U.S.—like Congress significantly reducing the budget deficit—could pull gold back. Another short-term factor would be a shift in bond issuance composition (favoring short over long-term debt), triggering a bond rally and a temporary dip in gold. But with central banks accumulating gold, any pullback is likely to be brief.

How should investors think about geopolitical risk, especially U.S.–China tensions, in macro positioning?

GC: Gold has proven to be a strong geopolitical hedge, rallying on tariff headlines. The key today is agility—investors must be tactical, taking profits during rallies and holding cash to buy dips. It’s also time to explore markets beyond the U.S., with countries like Argentina, Poland, and Greece offering overlooked opportunities.

What’s your outlook on the U.S. dollar, and how does it shape your views on emerging markets?

GC: We’re at the start of a multi-year dollar bear market. U.S. assets—both equities and bonds—are losing appeal, while international markets have more fiscal and political capacity to grow. Expect capital to rotate into EM equities in Asia and LatAm, which are primed for long-term outperformance.

How do you see the relationship between gold and crypto evolving? Are they competing hedges or serving specific investor needs?

GC: They’re not interchangeable. Gold is time-tested; Bitcoin is still risk-on. Bitcoin’s institutional adoption is increasing, which may reduce volatility, but it remains tied to equity market cycles. Each responds to different macro triggers and serves distinct investor appetites.

What is your recommended portfolio asset allocation going into 2H25? And where would U.S. real estate sit within the asset classes?

GC: Gold and EM equities should be key components. Historically, gold has outperformed equities during past bull cycles.

DK: U.S. residential real estate is a strong hard asset play. With tight supply and rising rental yields in many states, it’s arguably stronger now than before. We’re particularly bullish, especially given its comparative resilience to inflation and institutional interest.

Do you see investor crowding in AI or tech names as a signal of strength or fragility?

GC: Crowding has lessened since April, but valuations remain stretched. This leaves limited buffer against economic or earnings shocks.

DK: Despite the froth, institutional investors are allocating to AI due to its outsized potential. Many underestimate just how transformative AI will be—it’s still early days.

How do you see U.S. real estate performing if the dollar weakens further? Is that good or bad for international buyers?

DK: A weaker dollar is a buying opportunity for foreign investors. Yes, it affects rental income repatriation, but the real focus should be on asset fundamentals—yield, scarcity, long-term upside. U.S. property remains one of the best hard assets globally.

Where would GMG see as the top 1–2 U.S. real estate places to put money into?

DK: Texas, Ohio, Georgia, and Tennessee top the list. These states are benefiting from major infrastructure projects, EV factory developments, and demographic migration. Atlanta, in particular, offers plug-and-play appeal and institutional-grade opportunities.

U.S. real estate versus other countries like U.K., SG – how attractive is it?

DK: U.S. real estate offers the best rental yields among G20 nations. Singapore and the UK are traditionally store-of-value markets with limited cash flow upside. For investors focused on yield and inflation protection, the U.S. remains unmatched.

Australian Unlocks Business Expansion from U.S. Real Estate

International Mortgage Loans | Australian Business Expansion

The Client

A retired Australian citizen living in Sydney inherited a rental property in San Diego from her late brother. She wanted to release equity from the property to expand her business in Australia but was unable to get approved by U.S. lenders due to her non-resident status.

How We Helped

America Mortgages stepped in with our Equity Unlock program for foreign nationals. Our team arranged a 60% LTV cash-out refinance based on current rental income and property value. The funds helped supplement her retirement lifestyle while keeping the rental generating income in the U.S.

Loan Details

NationalityProperty ValueLoan AmountLTVRate
Australian$980,000$588,00060%7.99%
TermAddressProperty TypePurposeLoan Type
30-Year FixedSan Diego, CASingle Family HomeCash-Out RefinanceResidential

Why Global Investors Are Choosing to Invest in U.S. Property Remotely

Investing In Mortgage Loans

Non-resident foreigners (those living outside the U.S.) invested $19.4 billion into U.S. homes in 2024, according to NAR. That’s nearly 50,000 properties purchased by investors living abroad.

Why? Because even in a changing market, U.S. rental property remains one of the most stable ways to build wealth and earn passive income.

In fact, 2025 is already shaping up to be one of the most competitive rental markets yet.

According to RentCafe’s latest report, the national Rental Competitiveness Index (RCI) is 75.7, placing it firmly in the “high demand” category.

It’s not just the usual suspects, either.

Cities like Cleveland, Minneapolis, and Overland Park, Kansas, are emerging as hot rental markets, with gross rental yields ranging from 6% to 8%.

Even suburban Chicago is now more competitive than Miami, thanks to housing shortages and strong job growth.

But here’s the challenge: Many international investors don’t know where to start or how to compete.

That’s where we come in.

At America Mortgages, we specialize in helping non-resident foreign nationals and U.S. expats secure U.S. mortgages remotely, with no U.S. credit or personal income required (loans qualify on the property cash-flow)

Our mortgage solutions are designed for international investors:

✅ No U.S. credit score required
✅ Foreign-earned income accepted (if required)
✅ Rental income can be used to qualify, not personal income
✅ Up to 80% LTV available across all 50 states
✅ Loan amounts from $100,000 and up

Our turnkey approach includes:

✅ Remote mortgage approvals and closing through America Mortgages encrypted application portal. 
✅ Fast bridge loans: we funded $22M through our AM Bridge+ program in 5 days
✅ Realtor matching across all 50 states
✅ Property managers, insurance providers, LLC and tax specialists, and money transfer partners to support your investment journey

You don’t need to be in the U.S., have a U.S. credit score, or even visit the property in person. 

You just need the right team.

Contact us today for a free consultation and explore our custom mortgage solutions for remote investors:

Speak to a Mortgage Specialist 24/7: +1 (845) 583-0830

Email: [email protected] 

Learn More: www.americamortgages.com

为什么全球投资者选择远程投资美国房地产

根据全美房地产经纪人协会（NAR）的数据显示，2024年，非美国居民（即居住在美国以外的外国人）共投资了194亿美元于美国住宅。这意味着将近5万套房产被居住在海外的投资者购买。

为什么？因为即使在不断变化的市场中，美国租赁房地产依然是建立财富和获得被动收入最稳定的方式之一。

事实上，2025年已初步显现为美国最具竞争力的租赁市场之一。

根据RentCafe的最新报告，全国租赁竞争指数（RCI）达到了75.7，明确属于“高需求”类别。

而且，这次不仅限于传统热门城市。

像克利夫兰、明尼阿波利斯和堪萨斯州的欧弗兰帕克等城市正在成为热门租赁市场，其毛租金回报率在6%至8%之间。

甚至芝加哥郊区的竞争力现在也超过了迈阿密，这得益于住房短缺和强劲的就业增长。

但挑战在于：许多国际投资者不知道从哪里开始或如何参与竞争。

这正是我们可以提供帮助的地方。

在America Mortgages，我们专注于帮助非美国居民和居住海外的美国公民远程获得美国房贷，无需美国信用记录或个人收入（贷款资格基于房产的现金流表现）。

我们的房贷解决方案专为国际投资者设计：

✅ 无需美国信用评分
✅ 可接受海外收入（如有需要）
✅ 可使用租金收入作为贷款资格依据，而非个人收入
✅ 所有50个州提供最高80%的贷款成数（LTV）
✅ 贷款金额从10万美元起

我们的“一站式”服务包括：

✅ 通过America Mortgages加密平台远程批准贷款并完成交易
✅ 快速过桥贷款：我们通过AM Bridge+项目在5天内发放了2200万美元
✅ 在所有50个州匹配值得信赖的房产经纪人
✅ 提供房产管理、保险、LLC设立、税务顾问和资金转移等全面支持服务

您无需身在美国、拥有美国信用评分，甚至无需亲自到访房产。

您只需要一个懂您需求的团队。

立即联系我们，获取免费的投资咨询，了解我们专为远程投资者定制的房贷方案：

📞 24小时咨询专线：+1 (845) 583-0830
📧 电子邮箱：[email protected]
🌐 了解更多：www.americamortgages.com

Por qué los inversores globales están eligiendo invertir en propiedades de EE. UU. de forma remota

Según la Asociación Nacional de Agentes Inmobiliarios (NAR), los extranjeros no residentes (es decir, quienes viven fuera de EE. UU.) invirtieron 19.4 mil millones de dólares en viviendas estadounidenses en 2024. Esto representa casi 50,000 propiedades compradas por inversores que viven en el extranjero.

¿Por qué? Porque incluso en un mercado cambiante, las propiedades de alquiler en EE. UU. siguen siendo una de las formas más estables de generar riqueza y obtener ingresos pasivos.

De hecho, 2025 ya se perfila como uno de los mercados de alquiler más competitivos hasta ahora.

Según el último informe de RentCafe, el Índice Nacional de Competitividad de Alquileres (RCI) alcanzó 75.7, lo que lo sitúa claramente en la categoría de “alta demanda”.

Y no se trata solo de las ciudades tradicionales.

Ciudades como Cleveland, Minneapolis y Overland Park, en Kansas, están emergiendo como mercados de alquiler en auge, con rendimientos brutos de alquiler que oscilan entre el 6% y el 8%.

Incluso los suburbios de Chicago ahora son más competitivos que Miami, debido a la escasez de viviendas y el fuerte crecimiento del empleo.

Pero aquí está el desafío: muchos inversores internacionales no saben por dónde empezar o cómo competir.

Ahí es donde entramos nosotros.

En America Mortgages, nos especializamos en ayudar a ciudadanos extranjeros no residentes y a expatriados estadounidenses a obtener hipotecas en EE. UU. de forma remota, sin necesidad de historial crediticio o ingresos personales en EE. UU. (los préstamos califican según el flujo de efectivo de la propiedad).

Nuestras soluciones hipotecarias están diseñadas para inversores internacionales:

✅ No se requiere historial crediticio en EE. UU.
✅ Se aceptan ingresos obtenidos en el extranjero (si es necesario)
✅ Los ingresos por alquiler pueden usarse para calificar, no los ingresos personales
✅ Hasta el 80% de financiación disponible en los 50 estados
✅ Montos de préstamo desde $100,000 en adelante

Nuestro enfoque integral incluye:

✅ Aprobaciones hipotecarias y cierres remotos a través de nuestro portal cifrado de America Mortgages
✅ Préstamos puente rápidos: financiamos $22 millones mediante nuestro programa AM Bridge+ en solo 5 días
✅ Conexión con agentes inmobiliarios en los 50 estados
✅ Socios confiables para administración de propiedades, seguros, constitución de LLC, asesoría fiscal internacional y transferencias de dinero

No necesitas estar en EE. UU., tener un puntaje de crédito estadounidense o visitar la propiedad en persona.

Solo necesitas el equipo adecuado.

Contáctanos hoy para una consulta gratuita y explora nuestras soluciones hipotecarias personalizadas para inversores remotos:

📞 Habla con un especialista hipotecario 24/7: +1 (845) 583-0830
📧 Correo electrónico: [email protected]
🌐 Más información: www.americamortgages.com

[Super Rare] New Boston condos for sale – only 13 units left!

New Boston condos | Non Resident Mortgage USA

Act Fast: Rare New Boston Condos Hitting the Market Now

There are missed opportunities and then there’s missing out on the only new condo development in Cambridge, Boston, right next to Harvard and MIT. For global investors, this isn’t just another property launch. It’s a rare chance to own real estate in one of the most competitive and tightly held markets in the U.S.

Why This Is a Rare Opportunity

  • Only New Condo Development in the Area
    Cambridge has strict zoning and historic preservation rules. New developments are extremely rare, especially in such a prime location near top-tier universities and the biotech hub of Kendall Square.
  • Super Prime Location: Inman Square
    This is a walkable, vibrant neighborhood surrounded by restaurants, boutiques, and research centers. You’re under five minutes from Harvard and MIT, placing you at the center of academic and innovation powerhouses.
  • Near Zero Vacancy
    Rental vacancy in Cambridge is nearly zero. Demand from students, faculty, researchers, and biotech professionals ensures your unit will not sit empty.
  • Strong Rental Yields
    With average rental yields of 5 to 6%, this investment delivers reliable income backed by a steady stream of high-quality tenants.

Secure a Home Near Boston’s Best Schools

Boston is one of the most sought-after cities in the world for education. With prestigious schools, colleges, and universities in every direction, owning a home here is a smart move for families with children who may eventually study in the U.S.

This property is within walking distance of Harvard and MIT and conveniently located near Boston’s top public and private schools. Buying now secures your future housing needs while offering a high-performing investment.

Financing Available for Overseas Investors

America Mortgages offers financing options for foreign nationals and U.S. expats. No U.S. credit score or income is required. You can even refinance or cash out from an existing U.S. property to fund this purchase.

About the Property

A boutique project with only 13 units remaining (total of 26), ranging from 570 to over 1,000 square feet. Unit types include studios, one-bedroom, two-bedroom, and three-bedroom layouts.

Prices range from $700,000 to $1.5 million.

All units feature modern designer interiors and are optimized for high rental appeal.

Cambridge isn’t just a great neighborhood. It’s a protected ecosystem with world-class demand, virtually no supply, and one of the most educated and affluent renter populations in the country. This property is the only new build in the area. Once it’s gone, there may not be another chance like it for years.

Perfect for investors, ideal for families — this is a smart move any way you look at it.

Contact us today to learn more.

Call us 24 hours a day, 7 days a week at +1 (845) 583-0830.

Schedule a meeting with one of our loan officers through our calendar link.

📧 [email protected]

🌐 www.americamortgages.com

America Mortgages Partners with Newzip to Deliver End-to-End Property Buying Support for International Investors

UAE Business Daily Logo

The Monterrey Maneuver: A Negotiation Strategy for Commercial Real Estate Deals

Commercial Real Estate | International Mortgage

While working as a commercial real estate broker in Texas, I had the pleasure of working with many Mexican clients. They were some of the nicest, most honorable people I’ve ever done business with—and many remain close friends today.

One client, a prominent developer from Monterrey, once shared a negotiation tactic with me while we were working on a deal. It worked brilliantly then, and I’ve since used this strategy many times to save clients (and myself) hundreds of thousands of dollars. To this day, I’ve never seen it written in a book or heard it from anyone else. In his honor, I call it The Monterrey Maneuver.

The Traditional Approach

Let’s say a property is listed at $12.5M.
You offer $9M.
The seller counters at $11.5M.
You counter with your “final offer” of $10M.
The seller counters again at $11M.
You finally suggest splitting the difference at $10.5M, and the deal closes.

That’s the traditional dance.

The Monterrey Maneuver Version

Same property. Asking: $12.5M
You offer: $9M
Seller counters: $11.5M
You really want to close at $10M, but instead of continuing the back-and-forth…

You call your agent a few days later and have them speak with the seller’s agent. Here’s the script:

“My client is very firm at $9M and has said he’s not increasing his offer. But, if your client is open to accepting $10M, I’ll do everything I can to convince my client to move. I just don’t want to push him up to $10M if he’s going to be countered again—that will frustrate him, and he may walk away. So please check quietly if $10M is acceptable. If it is, I’ll try to move my client.”

Most seller’s agents will come back with:

“Okay. My client said he’d take $10M if you can get your buyer there.”

Now your agent says:

“Great, thanks. Give me a day or two—my client’s still tough on this, but I’ll try.”

You wait a day or so, then “reluctantly” increase your offer to $10M, which is accepted immediately.

Result: You got the property for $500K less than the likely outcome with traditional negotiation.

🎭 Why It Works

  • It positions you as immovable, creating perceived risk of deal collapse.
  • Your agent becomes the “hero” who saves the deal.
  • The seller’s agent becomes a willing partner, helping you land the price you want.
  • The delay reinforces how hard it was to raise your price.

This strategy only works when you’re the sole buyer. Don’t try it in a bidding war. It’s most effective for overpriced properties sitting on the market for a while.

At America Mortgages, we specialize in helping foreign nationals invest in U.S. commercial real estate. We don’t just understand financing—we understand the strategy behind the deal. Many of us are investors and developers too.

So, whether you’re structuring your next acquisition or thinking through how to negotiate more effectively, let’s talk.

Lance Langenhoven
Head of Commercial Lending
📧 [email protected]

$22M in 5 Days? Why Smart Investors Are Turning to U.S. Bridge Loans

Mortgage Bridge Loans

In the fast-paced world of global real estate investment, timing is everything. Whether you’re seizing a new opportunity, refinancing a maturing loan, or unlocking the value of existing assets, having access to capital fast can make or break a deal. That’s where bridge loans come in.

At America Mortgages, our team specializes in providing U.S. bridge financing for non-resident investors with speed, clarity, and flexibility.

U.S. Bridge Loan Market Overview

According to a recent report by the American Association of Private Lenders (AAPL), private lenders completed 3,736 bridge loan transactions totalling nearly $2 billion in originations. This highlights the strong demand for short-term financing solutions in the U.S. real estate market, particularly among investors who need fast, flexible access to capital. 

What makes America Mortgages different, besides its international access through its parent company, Global Mortgage Group—a Singapore-based HNW real estate financing firm—is its expertise in dealing with non-resident real estate investors. This expertise, along with unique funding sources, sets us apart from most, if not all, asset-backed loan originators.

What Is a Bridge Loan?

A bridge loan is a short-term financing solution designed to bridge the gap between an immediate funding need and long-term financing or liquidity. In real estate, it’s commonly used to:

  • Free up equity in existing properties
  • Fund urgent purchases or business needs
  • Refinance maturing loans
  • Acquire property before securing permanent financing

Bridge loans are typically secured by the borrower’s U.S. property and can often be arranged faster than traditional mortgage products.

Case Study: $22M U.S. Bridge Loan Funded in 5 Days 

In a recent example, America Mortgages closed two asset-backed U.S. bridging loans totalling $22 million for an Australian investor in Sydney. The properties in San Diego, California, were originally purchased over a decade ago as a long-term investment.

With property values having more than doubled, the investor saw a time-sensitive business opportunity and needed to unlock equity quickly.

“Our team, noting the urgency and short timeline of this closing, coordinated the escrow, title, appraisal, insurance, and funding all within 5 business days,” said Robert Chadwick, CEO of America Mortgages.

This transaction not only highlights the efficiency of our lending team but also our deep understanding of the unique needs of international property owners.

Read the full press release here.

The AM Bridge+ Loan Program

The America Mortgages Bridge+ Loan Program provides quick access to capital with competitive rates and streamlined processing, tailored specifically for the needs of international real estate investors.

Key Loan Features and Requirements:

  • Income: No personal income required
  • Credit: No U.S. credit required
  • Eligible Loan Types: Purchase, refinance, cash-out refinance
  • Term Lengths: 12–24 months
  • Loan Amounts: US$300,000 to US$100 million ++
  • Payment Options: Monthly, interest-only, or interest rolled up
  • Loan-to-Value (LTV): Up to 75%
  • Location: Available in all 50 U.S. states
  • Underwriting: Based solely on property value
  • Amortization: Interest-only servicing
  • Closing Time: As fast as 5–14 days

Whether you’re unlocking liquidity from existing U.S. assets or seizing an investment opportunity, AM Bridge+ was designed to move with the speed and simplicity global investors demand.

Ready to Unlock the Value of Your U.S. Property?

Bridge financing can be an effective tool for unlocking liquidity when it matters most. If you’re a global investor with U.S. real estate holdings, the team at America Mortgages is ready to help you structure a deal that works for your timeline and goals.

Contact us today to learn more about our U.S. bridge loan programs for international clients. 

Call us 24 hours a day, 7 days a week at +1 (845) 583-0830

Schedule a meeting with one of our loan officers through our calendar link.

📧 [email protected]

🌐 www.americamortgages.com

¿22 millones en 5 días? Por qué los inversionistas inteligentes están recurriendo a los préstamos puente en EE. UU.

En el acelerado mundo de la inversión inmobiliaria global, el tiempo lo es todo. Ya sea que estés aprovechando una nueva oportunidad, refinanciando un préstamo próximo a vencerse o desbloqueando el valor de activos existentes, tener acceso rápido al capital puede ser la diferencia entre cerrar o perder un negocio. Ahí es donde entran los préstamos puente.

En America Mortgages, nuestro equipo se especializa en ofrecer financiamiento puente en EE. UU. para inversionistas no residentes, con rapidez, claridad y flexibilidad.

Panorama del mercado de préstamos puente en EE. UU.

Según un informe reciente de la American Association of Private Lenders (AAPL), los prestamistas privados completaron 3,736 transacciones de préstamos puente, por un total de casi $2 mil millones en originaciones. Esto resalta la fuerte demanda de soluciones de financiamiento a corto plazo en el mercado inmobiliario estadounidense, especialmente entre inversionistas que necesitan acceso rápido y flexible al capital.

¿Qué hace diferente a America Mortgages?

Además de su alcance internacional a través de su empresa matriz, Global Mortgage Group —una firma de financiamiento inmobiliario para personas de alto patrimonio con sede en Singapur—, America Mortgages se distingue por su experiencia en trabajar con inversionistas inmobiliarios no residentes. Esta especialización, junto con fuentes únicas de financiamiento, nos diferencia de la mayoría, si no de todos, los originadores de préstamos respaldados por activos.

¿Qué es un préstamo puente?

Un préstamo puente es una solución de financiamiento a corto plazo diseñada para cubrir la brecha entre una necesidad inmediata de capital y el financiamiento o liquidez a largo plazo. En el ámbito inmobiliario, se utiliza comúnmente para:

  • Liberar capital de propiedades existentes
  • Financiar compras urgentes o necesidades comerciales
  • Refinanciar préstamos que están por vencer
  • Adquirir una propiedad antes de obtener financiamiento permanente

Los préstamos puente normalmente están respaldados por la propiedad del prestatario en EE. UU. y, en muchos casos, pueden gestionarse más rápido que los productos hipotecarios tradicionales.

Caso de estudio: préstamo puente de $22 millones en EE. UU. financiado en 5 días

En un ejemplo reciente, America Mortgages cerró dos préstamos puente respaldados por activos en EE. UU. por un total de $22 millones para un inversionista australiano con sede en Sídney. Las propiedades, ubicadas en San Diego, California, fueron adquiridas originalmente hace más de una década como inversión a largo plazo.

Con los valores de las propiedades más que duplicados, el inversionista identificó una oportunidad comercial urgente y necesitaba liberar capital rápidamente.

“Nuestro equipo, reconociendo la urgencia y el corto plazo para cerrar la operación, coordinó el fideicomiso, título, tasación, seguro y financiamiento en tan solo 5 días hábiles,” comentó Robert Chadwick, CEO de America Mortgages.

Esta operación no solo resalta la eficiencia de nuestro equipo de financiamiento, sino también nuestra profunda comprensión de las necesidades únicas de los propietarios internacionales de bienes raíces.

Lee el comunicado completo aquí.

Programa de préstamo AM Bridge+

El programa Bridge+ de America Mortgages ofrece acceso rápido al capital, con tasas competitivas y un proceso ágil, diseñado específicamente para atender las necesidades de los inversionistas inmobiliarios internacionales.

Características clave y requisitos del préstamo:

  • Ingresos: No se requiere ingreso personal
  • Crédito: No se requiere historial crediticio en EE. UU.
  • Tipos de préstamo elegibles: Compra, refinanciamiento, refinanciamiento con retiro de capital
  • Plazos: De 12 a 24 meses
  • Montos de préstamo: Desde US$300,000 hasta más de US$100 millones
  • Opciones de pago: Mensuales, solo intereses o intereses acumulados
  • Relación préstamo-valor (LTV): Hasta el 75%
  • Ubicación: Disponible en los 50 estados de EE. UU.
  • Evaluación: Basada únicamente en el valor de la propiedad
  • Amortización: Solo pago de intereses
  • Tiempo de cierre: Tan rápido como en 5 a 14 días

Ya sea que estés desbloqueando liquidez de activos existentes en EE. UU. o aprovechando una nueva oportunidad de inversión, AM Bridge+ está diseñado para operar con la velocidad y simplicidad que los inversionistas globales necesitan.

¿Listo para desbloquear el valor de tu propiedad en EE. UU.?

El financiamiento puente puede ser una herramienta eficaz para liberar liquidez justo cuando más se necesita. Si eres un inversionista global con propiedades en Estados Unidos, el equipo de America Mortgages está listo para ayudarte a estructurar una solución adaptada a tus tiempos y objetivos.

Contáctanos hoy para conocer más sobre nuestros programas de préstamos puente en EE. UU. para clientes internacionales.

📞 Llámanos las 24 horas, los 7 días de la semana: +1 (845) 583-0830
📅 Agenda una reunión con uno de nuestros asesores a través de nuestro calendario
📧 Escríbenos a: [email protected]
🌐 Visítanos en: www.americamortgages.com

5天融资2200万美元？聪明的投资者为何纷纷选择美国桥梁贷款

在快节奏的全球房地产投资世界中，时机就是一切。 无论您是抓住新的投资机会、为到期贷款进行再融资，还是释放现有资产的价值，能否快速获取资金往往决定了一笔交易的成败。这正是桥梁贷款发挥作用的地方。

在 America Mortgages（美国抵押贷款公司），我们的团队专注于为非美国居民投资者提供快捷、透明且灵活的美国桥梁融资服务。

美国桥梁贷款市场概况

根据**美国私人贷款人协会（AAPL）**发布的最新报告，截至2024年8月，私人贷款机构完成了 3,736笔桥梁贷款交易，总放款金额接近20亿美元。这表明美国房地产市场对短期融资解决方案的强劲需求，尤其是在需要快速、灵活获取资金的投资者群体中。

America Mortgages 的独特之处

America Mortgages 除了拥有其母公司 Global Mortgage Group（总部位于新加坡的高净值房地产融资公司） 提供的国际融资渠道外，还具备深厚的专业经验，专门服务非美国居民的房地产投资者。这种专业能力，加上独特的资金来源，使我们在资产支持贷款领域脱颖而出。

什么是桥梁贷款？

桥梁贷款是一种短期融资工具，旨在填补资金需求与长期融资或流动性之间的空档。在房地产领域中，它通常用于：

  • 释放现有物业的可用净值
  • 为紧急购置或业务资金需求提供资金
  • 为即将到期的贷款进行再融资
  • 在获得长期融资前先行购置房产

桥梁贷款通常以借款人在美国的房地产作为抵押，并且相比传统按揭产品更快速安排完成。

案例分析：2200万美元的美国桥梁贷款，5天内完成放款

在最近的一个案例中，America Mortgages 为一位来自悉尼的澳大利亚投资者成功完成了两笔总额为 2200万美元 的资产支持型桥梁贷款。该投资者在十多年前购买了位于加州圣地亚哥的房产，作为长期投资。

随着房产价值翻倍，该投资者发现了一个时间敏感的商业机会，并希望尽快释放资产净值。

“我们的团队意识到交易的紧迫性与时间限制，仅用5个工作日就协调完成了托管、产权、估价、保险及资金发放，”America Mortgages 首席执行官 Robert Chadwick 表示。

此交易不仅展示了我们贷款团队的高效执行力，也体现了我们对国际房地产投资者独特需求的深刻理解。

点击此处查看完整新闻稿。

AM Bridge+ 桥梁贷款计划

America Mortgages Bridge+ 贷款计划 提供快速的资金获取、具竞争力的利率和高效的审批流程，专为国际房地产投资者量身定制。

贷款要点与资格条件：

  • 收入要求： 无需提供个人收入
  • 信用要求： 无需美国信用记录
  • 可贷款类型： 购买、再融资、套现再融资
  • 贷款期限： 12–24个月
  • 贷款金额： 美金 300,000 至 1亿以上
  • 还款选项： 按月付息、只付利息或利息累积支付
  • 贷款成数（LTV）： 最高可达75%
  • 适用范围： 覆盖全美50个州
  • 审核标准： 完全基于房产价值
  • 还款方式： 只付利息
  • 放款速度： 快至5–14天内完成

无论您是希望释放美国现有资产的流动性，还是抓住新的投资机会，AM Bridge+ 都是为国际投资者打造的高效、简便融资工具。

准备好释放您美国房产的潜在价值了吗？

桥梁融资可以成为在关键时刻释放资金的有效工具。如果您是一位拥有美国房地产的全球投资者，America Mortgages 团队随时准备协助您制定适合您时间表和目标的融资方案。

欢迎立即联系我们，了解更多关于我们为国际客户提供的美国桥梁贷款产品。

📞 全天候服务热线：+1 (845) 583-0830
📅 通过我们的预约链接安排与贷款专员会面
📧 邮箱：[email protected]
🌐 官网：www.americamortgages.com

America Mortgages Closes Two U.S. Bridging Loans Totalling $22M for Australian Client Living in Sydney

AP | U.S. Bridging Loans

Turnkey Solution for U.S. Property Investors — Regardless of Their Passport

Buying U.S. property as an overseas investor shouldn’t feel out of reach or overwhelming. With the right guidance and structure, obtaining a U.S. mortgage is not only possible, it’s easier than you think. That’s why we’ve built a completely turnkey solution tailored to foreign national and U.S. expat investors, so you can invest with confidence, ease, transparency and the full support of an experienced and knowledgeable team, every step of the way.

A Seamless Mortgage Experience

As a direct lender and super broker, we have one focus at America Mortgages — providing market-rate U.S. mortgage loans for non-U.S. residents, both foreign nationals and U.S. expatriates. As a matter of fact, this is all we do, and I firmly believe no one does this better. Whether it’s your first purchase or part of a diversified global portfolio, having viable fixed-rate options is crucial to your success as a global investor. From a no-cost or obligation pre-approval to a successful close, our team handles everything in-house, no third-party delays, no confusion, just clear communication and fast turnaround times.

Loan Programs Designed for Global Buyers

If you’ve ever tried to go to a large institutional U.S. bank to obtain a U.S. mortgage, you’ll immediately understand why America Mortgages was founded. Our mortgage solutions are designed to work around the limitations of traditional banks. If you’re a non-U.S. passport holder, you don’t need a U.S. credit score or a previous U.S. footprint. If you’re a U.S. expat, you still need to have U.S. credit, however, no W2 is required and foreign earned income is allowed.

AM Rental Coverage+ Loan 

This is our most popular program for investors. It’s based on common sense underwriting. We qualify you based on the rental income of the property, not your personal income. If the rent covers the mortgage, you’re approved. It’s that simple. Does there need to be a renter in place when you buy the property? No, a tenant is not required at the time of purchase or refinance, if the property is vacant we will determine the market rent in the appraisal of the property. 

Key Loan Program Details:

  • Property Type: 1–4 unit properties
  • Minimum Loan Amount: US$100,000
  • Loan-to-Value: Up to 80% for purchases and 70% for cash-out refinances
  • Underwriting: Based on the property’s rental income, with no personal income required
  • Credit Requirements: No U.S. credit required (foreign national)
  • Closing Time: Quick, with closings in 30–45 days

AM Second Home Loan Program

A home that will be used for part-time personal use or full-time use for a family member would be classified as a second home. Second homes are underwritten to the borrower’s personal income.

Key Loan Program Details:

  • Property Type: 1–4 unit properties
  • Minimum Loan Amount: US$200,000
  • Loan-to-Value: Up to 80% for purchases and 75% for cash-out refinances
  • Underwriting: Based on borrowers’ personal income. Foreign income is acceptable 
  • Credit Requirements: No U.S. credit required
  • Closing Time: Quick, with closings in 30–45 days

How You Qualify for an Investment Property 

America Mortgages uses a common sense underwriting approach. This mortgage loan structure has been created to help foreign nationals and U.S. expats, focusing on the property’s rental income instead of relying on U.S. income documentation. This makes it easier for U.S. expat and foreign national investors to get qualified.

We offer financing across all 50 states, with loan amounts starting from US$100,000 and loan-to-values (LTVs) up to 80%.

Trusted Partners to Simplify the Process

Investing in U.S. real estate isn’t just about the mortgage; it’s about everything that comes with it. That’s why we’ve partnered with industry experts to ensure your entire investment journey is covered.

Finding The RIGHT Property: Our partner, Newzip, connects international buyers with top-rated, investor-friendly real estate agents across the U.S. They’ll match you with experienced local agents who understand the unique needs of foreign buyers and guide you through every step of the process. Plus, you’ll receive 0.5% of the purchase price toward your closing costs when you buy through a Newzip agent.

Insurance: Our insurance partner, Steadily, specializes in covering rental properties owned by non-resident investors. They offer comprehensive and affordable coverage options tailored to your needs.

LLC Setup: We’ve partnered with Nobility Consulting, experts in LLC formation for international investors. They’ll help you structure your U.S. property purchase for tax efficiency, asset protection, and estate planning.

Money Transfer: Halo Financial is our trusted currency transfer partner. They help clients move funds securely and cost-effectively with excellent exchange rates and lower fees than traditional banks.

Property Management: We connect you with experienced property management companies across the U.S., including trusted partners Austplan Management and Bridgewater. They manage leasing, maintenance, and tenant relations so your investment stays hassle-free. They handle everything from tenant screening to maintenance and rent collection, ensuring your property is professionally managed while you focus on building your portfolio.

U.S. Taxes: Our tax partner, AITAX, works exclusively with foreign nationals and U.S. expats. They ensure you remain fully compliant with U.S. tax requirements and help you structure your investments tax-efficiently.

Let’s Make It Happen

With America Mortgages, you get more than just a loan; you get a partner who understands the unique aspects overseas investors face when investing in U.S. real estate. Let us help you build wealth in the U.S. with a financing solution that’s truly built around you.

Whether you’re purchasing a single-family rental in Florida or a multi-unit investment property in Texas, our team is here to guide you every step of the way.

对海外投资者来说，购买美国房产不应感觉遥不可及或难以应对

通过正确的指导和合理的结构，获得美国房贷不仅是可能的，而且比您想象的要容易。这正是我们为何打造了一套完整的“交钥匙”解决方案，专为外国国籍人士和美国海外侨民量身定制，让您可以在每一个环节都充满信心、轻松、透明，并获得经验丰富的专业团队的全程支持。

流畅无阻的贷款体验

作为一家直贷机构和超级经纪平台，America Mortgages 专注于为非美国居民（包括外国人和美国侨民）提供市场利率的美国房贷。事实上，这就是我们唯一的业务，而且我们深信，没有人比我们做得更好。无论是首次购房，还是作为多元化全球投资组合的一部分，拥有可行的固定利率贷款方案对全球投资者的成功至关重要。从免费、无义务的预批准，到成功完成交易，我们的团队全程内部处理，无需第三方参与，没有混乱，只有清晰沟通和快速响应。

为全球买家设计的贷款方案

如果您曾尝试向大型美国银行申请贷款，您会立刻明白 America Mortgages 为什么存在。我们的贷款方案专为绕过传统银行限制而设计。如果您没有美国护照，您无需美国信用记录或美国生活痕迹。如果您是美国侨民，虽然需要美国信用记录，但无需 W2 表，且允许使用海外收入。

AM 租金覆盖+ 贷款

这是我们最受欢迎的投资者贷款项目，采用“常识型”审批流程。我们根据房产的租金收入而非您的个人收入进行审批。如果租金能覆盖月供，您就可以获批——就是这么简单。购买时房产必须已有租户吗？不需要。如果房产空置，我们将通过估价报告确定市场租金。

关键信息：

  • 房产类型：1–4 单位住宅
  • 最低贷款额：10万美元
  • 贷款成数（LTV）：购房最高 80%，现金再融资最高 70%
  • 审批依据：房产租金收入，无需个人收入
  • 信用要求：无需美国信用记录（适用于外国人）
  • 放款时间：快速，通常为 30–45 天

AM 第二住宅贷款计划

若房产用于部分时间自住或家庭成员长期使用，即视为第二住宅。该类贷款根据申请人的个人收入审批。

关键信息：

  • 房产类型：1–4 单位住宅
  • 最低贷款额：20万美元
  • 贷款成数：购房最高 80%，现金再融资最高 75%
  • 审批依据：申请人个人收入，海外收入可接受
  • 信用要求：无需美国信用记录
  • 放款时间：快速，通常为 30–45 天

如何符合投资房产贷款资格？

America Mortgages 采用“常识型”审批方法。该贷款结构旨在帮助外国人和美国侨民，侧重于房产的租金收入，而非传统的美国收入文件，从而简化贷款资格审核。

我们在美国 50 个州均提供贷款，贷款额从 10 万美元起，LTV 最高可达 80%。

值得信赖的合作伙伴，简化购房流程

投资美国房地产不仅仅是贷款问题，还涉及方方面面。我们与各领域专家合作，确保您整个投资旅程顺利无忧：

  • 保险服务：合作伙伴 Steadily 专为非居民投资者提供租赁房产保险，覆盖全面，价格合理。
  • 物业管理：我们与经验丰富的物业管理公司合作，如 Austplan Management 和 Bridgewater，提供从租户筛选到维修租金收取的全方位管理服务。
  • 设立 LLC：合作伙伴 Nobility Consulting 专注为国际投资者设立 LLC，助您实现税务效率、资产保护与遗产规划。
  • 资金转移：合作伙伴 Halo Financial 提供安全、划算的外币汇款服务，费用低于传统银行，汇率优于市场。
  • 美国税务：税务合作方 AITAX 专为外国人和美国侨民提供合规及税务优化服务。
  • 寻找合适房产：合作方 Newzip 帮助国际买家匹配经验丰富、适合投资的美国本地经纪人。通过 Newzip 经纪人购房还可享受购房金额 0.5% 的过户费用返还。

现在就开始行动！

与 America Mortgages 合作，您不仅能获得贷款，更是获得一位了解海外投资者需求的伙伴。让我们为您打造专属融资方案，助您在美国房地产市场实现财富增长。

无论您要在佛罗里达购买单户出租房，还是在德州投资多单元公寓，我们的团队都将全程协助。

📞 24/7 联系电话：+1 (845) 583-0830
📧 电邮：[email protected]
🌐 网站：www.americamortgages.com

Comprar una propiedad en EE. UU. como inversionista extranjero no debería parecer inalcanzable ni abrumador

Con la orientación y estructura adecuadas, obtener una hipoteca en EE. UU. no solo es posible, sino más fácil de lo que piensas. Por eso hemos creado una solución completamente llave en mano diseñada para inversionistas extranjeros y expatriados estadounidenses, para que puedas invertir con confianza, facilidad, transparencia y con el respaldo completo de un equipo experimentado y conocedor en cada paso del camino.

Una experiencia hipotecaria sin complicaciones

Como prestamista directo y súper corredor, en America Mortgages tenemos un solo enfoque: ofrecer hipotecas estadounidenses a tasa de mercado para no residentes en EE. UU., incluyendo tanto a ciudadanos extranjeros como a expatriados estadounidenses. De hecho, esto es todo lo que hacemos, y creo firmemente que nadie lo hace mejor. Ya sea tu primera compra o parte de un portafolio global diversificado, contar con opciones viables de tasa fija es crucial para tu éxito como inversionista global. Desde una preaprobación gratuita y sin compromiso hasta el cierre exitoso, nuestro equipo se encarga de todo internamente, sin demoras de terceros, sin confusión, solo comunicación clara y tiempos de respuesta rápidos.

Programas de préstamos diseñados para compradores globales

Si alguna vez has intentado obtener una hipoteca en un banco estadounidense grande, comprenderás de inmediato por qué se fundó America Mortgages. Nuestras soluciones hipotecarias están diseñadas para superar las limitaciones de los bancos tradicionales. Si no tienes pasaporte estadounidense, no necesitas historial crediticio en EE. UU. ni presencia previa en el país. Si eres un expatriado estadounidense, sí necesitas historial crediticio en EE. UU., pero no se requiere un W2 y se acepta ingreso ganado en el extranjero.

AM Rental Coverage+ Loan

Este es nuestro programa más popular para inversionistas. Se basa en una suscripción de sentido común. Te calificamos en función del ingreso por alquiler de la propiedad, no de tus ingresos personales. Si el alquiler cubre la hipoteca, estás aprobado. Es así de simple. ¿Es necesario que haya un inquilino en la propiedad al momento de la compra? No. Si la propiedad está vacía, determinamos el alquiler de mercado en la tasación.

Detalles clave del programa:

  • Tipo de propiedad: 1–4 unidades
  • Monto mínimo del préstamo: US$100,000
  • Relación préstamo-valor: hasta 80% para compras y 70% para refinanciamiento con retiro de efectivo
  • Evaluación: basada en ingreso por alquiler, sin necesidad de ingreso personal
  • Requisitos de crédito: no se requiere crédito en EE. UU. (para ciudadanos extranjeros)
  • Tiempo de cierre: rápido, entre 30 y 45 días

AM Segundo Programa de Vivienda

Una propiedad usada a tiempo parcial por el propietario o por un familiar a tiempo completo se clasifica como segunda vivienda. Estas hipotecas se evalúan con base en el ingreso personal del prestatario.

Detalles clave del programa:

  • Tipo de propiedad: 1–4 unidades
  • Monto mínimo del préstamo: US$200,000
  • Relación préstamo-valor: hasta 80% para compras y 75% para refinanciamiento con retiro de efectivo
  • Evaluación: basada en ingreso personal del prestatario. Se acepta ingreso extranjero
  • Requisitos de crédito: no se requiere crédito en EE. UU.
  • Tiempo de cierre: rápido, entre 30 y 45 días

Cómo calificar para una propiedad de inversión

America Mortgages utiliza un enfoque de suscripción de sentido común. Esta estructura hipotecaria ha sido creada para ayudar a ciudadanos extranjeros y expatriados estadounidenses, enfocándose en el ingreso por alquiler de la propiedad en lugar de depender de documentación de ingresos en EE. UU. Esto facilita que los inversionistas extranjeros y expatriados califiquen.

Ofrecemos financiamiento en los 50 estados, con préstamos a partir de US$100,000 y relaciones préstamo-valor (LTV) de hasta 80%.

Socios confiables para simplificar el proceso

Invertir en bienes raíces en EE. UU. no se trata solo de la hipoteca, sino de todo lo que la acompaña. Por eso nos hemos asociado con expertos de la industria para cubrir toda tu jornada de inversión.

  • Seguros: Nuestro socio Steadily se especializa en asegurar propiedades de alquiler propiedad de inversionistas no residentes. Ofrecen coberturas completas y asequibles adaptadas a tus necesidades.
  • Administración de propiedades: Te conectamos con empresas de administración inmobiliaria con experiencia en EE. UU., incluyendo Austplan Management y Bridgewater. Se encargan del arrendamiento, mantenimiento y relaciones con los inquilinos, para que tu inversión sea sin complicaciones.
  • Constitución de LLC: Nos hemos asociado con Nobility Consulting, expertos en formar LLC para inversionistas internacionales. Te ayudan a estructurar tu compra inmobiliaria en EE. UU. para mayor eficiencia fiscal, protección de activos y planificación patrimonial.
  • Transferencia de dinero: Halo Financial es nuestro socio de confianza para transferencias internacionales. Ayudan a transferir fondos de forma segura y económica, con excelentes tasas de cambio y tarifas más bajas que los bancos tradicionales.
  • Impuestos en EE. UU.: Nuestro socio fiscal, AITAX, trabaja exclusivamente con ciudadanos extranjeros y expatriados estadounidenses. Se aseguran de que cumplas con los requisitos fiscales de EE. UU. y optimices la estructura fiscal de tus inversiones.
  • Encontrar la propiedad adecuada: Nuestro socio Newzip conecta a compradores internacionales con agentes inmobiliarios con experiencia en todo EE. UU. Te emparejan con agentes locales que entienden las necesidades de los compradores extranjeros y te guían durante todo el proceso. Además, recibirás el 0.5% del valor de compra como crédito en costos de cierre si compras con un agente de Newzip.

Hagámoslo realidad

Con America Mortgages, obtienes más que un préstamo; obtienes un socio que comprende los desafíos únicos que enfrentan los inversionistas internacionales en bienes raíces estadounidenses. Permítenos ayudarte a construir tu patrimonio en EE. UU. con una solución financiera hecha a tu medida.

Ya sea que estés comprando una casa unifamiliar en Florida o una propiedad multifamiliar en Texas, nuestro equipo está aquí para guiarte en cada paso.

📞 Llámanos 24/7: +1 (845) 583-0830
📧 Correo electrónico: [email protected]
🌐 Sitio web: www.americamortgages.com