Faster Closings
Asset-based underwriting removes the slow credit-committee and document cycles of bank financing, so you can close in as little as 10–14 business days.
Asset-Based Bridge Loan
U.S. Bridge Loans for Real Estate Investors, U.S. Citizens, Foreign Nationals & U.S. Expats
Move quickly on real estate opportunities with flexible, short-term bridge financing designed to bridge the gap between acquisition and long-term financing. America Mortgages provides U.S. bridge loans for real estate purchases, refinances, renovations, construction, portfolio expansion and other time-sensitive transactions. We work with U.S. citizens, foreign nationals, U.S. expats, real estate investors and high-net-worth borrowers seeking fast, flexible financing for residential and investment properties, with loan amounts starting at $1 million and no maximum loan amount. Eligible transactions can close in as little as 10–14 business days.
Speak to our bridge lending expert team: +1 (845) 583-0830+65 8430-1541Updated 6 July 2026
42+ five-star reviewsInvestors and international borrowers close time-sensitive U.S. deals in 10–14 business days with America Mortgages — a specialist, not a call center.
Why investors trust America Mortgages
- approval rate
- 97%approval rate
- funded
- $1B+funded
- nationalities financed
- 57nationalities financed
- mortgage programs
- 150+mortgage programs
What Is a Bridge Loan?
A bridge loan is a short-term financing solution designed to provide quick access to capital while you secure permanent financing, complete a property transition, or execute an investment strategy.
Bridge loans are commonly used by investors and international borrowers who need flexibility, speed, or financing for situations that may not fit traditional mortgage guidelines.
America Mortgages arranges asset-based bridge loans from $1,000,000 with no maximum, closing in as little as 10–14 business days at up to 75% LTV. Underwriting is asset-only — no U.S. credit, tax returns or income verification — with interest-only or rolled-up (deferred) payments and a clear exit strategy.
When it fits
When does a bridge loan make sense?
Bridge financing is built for the moments when speed, flexibility and access to capital decide the outcome.
- Purchase a property quickly
- Compete with cash buyers
- Bridge to long-term financing
- Renovate before refinancing
- Access property equity
- Acquire time-sensitive opportunities
- Expand a real estate portfolio
- Finance complex borrower scenarios
Bridge loan solutions
Bridge loan solutions for international borrowers
America Mortgages offers bridge financing solutions designed to help international borrowers move quickly, access capital, and execute real estate strategies that may not fit traditional mortgage timelines.
Property Acquisition Financing
Move quickly on investment opportunities without waiting for traditional mortgage approval timelines.
Bridge-to-Refinance Strategies
Acquire a property now and transition into long-term financing once your investment strategy is in place.
Cash-Out Bridge Loans
Access available equity from existing properties to support new acquisitions or business objectives.
Renovation & Value-Add Projects
Finance properties requiring improvements before transitioning into permanent financing.
Foreign National Bridge Loans
Solutions designed for non-U.S. residents purchasing or refinancing U.S. real estate.
U.S. Expat Bridge Loans
Financing options for Americans living abroad who require flexible short-term capital solutions.
Why investors use it
Why investors use bridge financing
Traditional financing isn't always designed for time-sensitive opportunities. Bridge loans provide short-term flexibility when speed, access to capital, and execution matter most.
Right for you?
Is a bridge loan right for you?
Bridge financing is commonly used by these borrower types — matched to the objective that brings them to us.
| Borrower type | Common objective |
|---|---|
| Real Estate Investors | Property acquisition and portfolio growth |
| Foreign Nationals | Fast financing for U.S. opportunities |
| U.S. Expats | Property purchases while living abroad |
| Business Owners | Flexible short-term capital solutions |
| High-Net-Worth Individuals | Time-sensitive transactions |
| LLC Investors | Investment property acquisitions |
60-second check
Is a bridge loan right for your deal?
Answer four quick questions to see whether bridge financing fits — no personal details, no credit pull, no obligation.
Eligibility check
Question 1 of 6
Question 1 of 6. Do you need to close faster than a bank can move?
Do you need to close faster than a bank can move?
Bridge loans are built for deals where speed decides the outcome.
Terms
Loan amount, LTV and term at a glance
Asset-based bridge structures published by our program. Pricing is quoted to your specific deal — see the FAQ. These ranges are indicative and confirmed in writing at pre-approval.
| Program | Loan amount | Max LTV | Term |
|---|---|---|---|
| Acquisition bridge | $1M – no max | Up to 75% | 6 mo – 3 yr |
| Cash-out / refinance bridge | $1M – no max | Up to 75% | 6 mo – 3 yr |
| Development / construction (ARV / ADV) | $1M – no max | Up to 75% | 6 mo – 3 yr |
| Rolled-up (deferred interest) | $1M – no max | Up to 75% | 6 mo – 3 yr |
As of 6 July 2026
Indicative ranges only, not an offer of credit. Actual rates, LTV and terms depend on the program, property, borrower profile and prevailing market conditions, and are confirmed in writing at pre-approval.
How it works
How the bridge loan process works
Step 1 of 5
Discuss Your Strategy
Review your property goals, timeline, financing needs and exit strategy with a bridge loan specialist. We'll help determine whether bridge financing aligns with your investment objectives.
Ready to Move Quickly on Your Next Opportunity?
Whether you're purchasing an investment property, financing a renovation project, accessing equity, or bridging to permanent financing, America Mortgages can help identify solutions aligned with your goals. Our specialists work with Foreign Nationals, U.S. Expats and real estate investors seeking flexible financing for time-sensitive opportunities.
Why speak with our team?
- Close in as little as 10–14 business days
- From $1,000,000 with no maximum loan size
- Asset-only underwriting — no U.S. credit or tax returns
- A clear exit strategy mapped from day one
Case studies
Three transactions, one standard
Recent America Mortgages bridge deals — the situation, the structure, and how each borrower exited.
The 14-day multifamily close
- Borrower
- Foreign National, Geneva, Switzerland
- Asset
- 24-unit multifamily property, Austin, Texas
- Situation
- A distressed seller needed a 14-day close or would accept a lower backup offer. The Swiss borrower's liquidity was tied up in European securities that would take 30 days to sell without market impact.
- Our solution
- A $3.75M bridge loan (75% LTV) closed in 11 days using asset-based underwriting only — no U.S. credit check, no Swiss tax returns. The borrower completed a $400,000 light renovation, stabilized rents, and refinanced into permanent DSCR financing at a $6.2M valuation 8 months later, extracting $1.45M in equity while keeping the cash-flowing asset.
Exit: Refinance to a long-term DSCR loan with America Mortgages
11 days to close · 8 months to exit
The $32M waterfront rescue
- Borrower
- Foreign National, Hong Kong
- Asset
- 18,000 sq ft waterfront estate, Miami Beach, Florida
- Situation
- A high-net-worth Hong Kong investor owned a $32M Miami waterfront property and needed fast capital to expand business ventures in Africa. Traditional private banks needed 45 days for KYC and credit committee.
- Our solution
- A $24M bridge loan (75% LTV) with a 12-month term and interest roll-up (no payments during the term) closed in 13 days using Hong Kong banking references and asset valuation only. The borrower funded the acquisition and repaid in 8 months, earning a 4-month interest credit refund.
Exit: Business proceeds
13 days to close · 8 months to exit
The $75M development
- Borrower
- U.S. Resident, Beverly Hills, California
- Asset
- 4.2-acre entitled land for 12 luxury residences, Bel Air, California
- Situation
- An experienced L.A. developer needed to secure a $75M land acquisition before the seller accepted a competing REIT bid — a 14-day close with no financing contingency. Traditional construction lenders wouldn't lend on land without full plans and permits (a 6-month process).
- Our solution
- A $56.25M non-recourse bridge loan (75% LTV) with a 24-month term and interest reserve closed in 10 days, underwritten on entitled value and the developer's track record. The borrower completed horizontal development, pre-sold 8 of 12 residences, and refinanced into a $90M construction-to-permanent facility with a major U.S. bank once the project was de-risked.
Exit: Development completion and construction-loan refinance
10 days to close · 18 months to exit
Case studies describe past transactions arranged by America Mortgages and are illustrative only. Terms, timelines and outcomes vary by deal; past results are not a guarantee of future financing.
FAQ
U.S. bridge loan questions, answered
What is a bridge loan?
A bridge loan is a short-term financing solution designed to provide capital while you transition to long-term financing, complete a property transaction, or execute an investment strategy.
Who uses bridge loans?
Bridge loans are commonly used by real estate investors, Foreign Nationals, U.S. Expats, business owners, and borrowers involved in time-sensitive transactions.
Can Foreign Nationals qualify for bridge loans?
Yes. America Mortgages offers bridge financing solutions designed specifically for Foreign Nationals purchasing, refinancing, or investing in U.S. real estate. No U.S. Social Security Number, ITIN or credit history is required — a passport and foreign corporate documentation are sufficient, and international banking references are accepted where needed.
Can bridge loans be used for investment properties?
Yes. Bridge loans are frequently used for investment property acquisitions, portfolio expansion, value-add projects, and short-term financing needs.
Can I refinance a bridge loan later?
Yes. Many borrowers use bridge financing as a temporary solution before transitioning into long-term mortgage financing, such as a DSCR or conventional refinance.
How quickly can a bridge loan close?
Bridge financing is specifically designed for situations where speed matters. Most bridge loans close in 10 to 14 business days — large transactions are no exception; our case studies include a $24M loan closed in 13 days and a $56.25M loan closed in 10 days. Because underwriting is asset-based, we skip the slow credit-committee and document cycles that make bank financing take 45 days or more.
What interest rates should I expect?
Bridge pricing is priced to the deal — the asset, the LTV, the term and your exit strategy — rather than to a published rate card, and it reflects the speed and flexibility of asset-based capital. We quote firm terms on a specific transaction; we do not advertise indicative rates, as any figure without your deal in front of us would be misleading.
Do you offer non-recourse bridge loans?
Yes. Non-recourse structures are available for qualified transactions, limiting your liability to the financed asset rather than your wider net worth. Corporate and LLC borrowers, multilayered holding structures, and estate or trust structures are all acceptable. Your specialist confirms non-recourse eligibility based on the asset, structure and exit strategy.
Reviewed for accuracy
Reviewed by Robert Chadwick
CEO | Co-Founder, America Mortgages
Robert Chadwick is Co-Founder and CEO of America Mortgages and Co-Founder of its Singapore-based parent, Global Mortgage Group. He has over 25 years in financial services and mortgage lending, including wholesale lending leadership at Fremont Bank and Morgan Stanley's Saxon Capital.
Written by the America Mortgages Editorial Team · Last updated 6 July 2026
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America Mortgages, Inc. — NMLS 2810389 (America Mortgages Nationwide). Founded in 2019 and wholly owned by Global Mortgage Group Pte. Ltd. (Singapore); our team brings decades of combined U.S. and cross-border lending experience. A direct lender and leading mortgage broker for foreign nationals and U.S. expats. Loan amounts, LTV and terms shown on this page are indicative only, as of 6 July 2026, and are not an offer or commitment to lend. Bridge pricing is quoted per transaction; no interest rate is published on this page. All financing is subject to program eligibility, property, borrower profile, underwriting and prevailing market conditions, and is confirmed in writing at pre-approval.