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In short: these are real transactions — foreign nationals and U.S. expats who bought, refinanced or bridged U.S. property from abroad, with the situation, the structure and the outcome of each deal. No composites, no hypotheticals: every story here was funded.
Published by our team as deals fund — each one walks through the borrower, the challenge and how the loan was structured.
Explore real-world bridge loan case studies showing how HNW investors and foreign nationals closed $2M–$15M US real estate deals fast.
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The Client A retired Australian citizen living in Sydney inherited a rental property in San Diego from her late brother. Rather than sell the property and lose steady U.S. rental income, she wanted to complete a cash-out refinance to release equity and help fund the expansion of her business back home in Australia. The challenge […]
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The Client A Canadian couple based in Vancouver wanted to diversify their investments with stable, long-term rental properties in the U.S. While they had strong income and assets in Canada, they were repeatedly rejected by both Canadian and U.S. banks due to a lack of U.S. credit history. How We Helped Our America Mortgages loan […]
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The Client A French entrepreneur based in Paris was in the process of selling a commercial asset in France and wanted to acquire a residential investment property in Miami, Florida. The issue? The sale proceeds would only be available in 3–4 months, and the U.S. seller required a fast close. How We Helped America Mortgages […]
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The Client An experienced real estate investor in Berlin wanted to break into the U.S. commercial real estate market, specifically targeting warehouse and logistics spaces in Texas. He faced rejections from several U.S. banks due to lack of U.S. credit and the complexity of commercial underwriting. How We Helped Our Commercial Lending Division worked closely […]
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The Client Our client was a Canadian self-employed building contractor living in Vancouver, BC. He was a very experienced home flipper in Canada and the U.S. In the U.S., he was forced to pay cash due to the inaccessibility of “Fix and Flip” loans for non-U.S. citizens. He wanted to expand his U.S. presence but […]
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The Client Our client was a U.S. expat living in Tokyo for over 20 years. He had been abroad for so long that he no longer maintained U.S. credit. He was considering retiring in a few years and wanted to buy his dream home in Hawaii, which he would rent before retirement. He went to […]
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The Client Our client was a self-employed U.S. expat living in London wanted to buy a property for his daughter attending school in Boston. After his daughter finished her first year of school, he wanted to buy an apartment near the university where should could live and split the costs with her school friends. He […]
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The Client Our client was a Hong Kong businessman who had acquired more than 400 residential properties in the state of Georgia, all with private bank financing from HK. He had an entire administrative team just to keep up with the mortgage payments, insurance, and property taxes. He wanted a simple solution that would reduce […]
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The Client Our client living in Australia owned a luxury property in California with no mortgage. He wanted to take advantage of a market opportunity for his business but had very little liquidity. He explained his situation and as he needed the funds within a week. How We Helped Our America Mortgages loan officer based […]
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The Client Our client, a Singaporean couple, went from novice real estate investors to building a portfolio of 12 U.S. properties in a matter of 4 years, quitting their jobs and establishing themselves as sophisticated real estate investors. They went on to teach others how to do the same. How We Helped Our America Mortgages […]
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The Client Our client purchased a 4-bedroom single-family home in Florida, intending to fix and flip it. Being a Foreign National made it difficult for him to find a lender who would finance a fix-and-flip property. How We Helped His lack of U.S. credit made it hard for him to find a bank to lend […]
Read the storyCondensed from the case studies our loan pages carry — the borrower, the challenge, and the financing that closed it.
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. 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.
Bridge loansA 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. 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.
Bridge loansAn 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). 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.
Bridge loansA U.S. expat living in Singapore lowered the cost of a Florida rental by refinancing on rental-income terms — with no U.S. tax returns required.
Refinance a U.S. propertyA foreign-national family financed a Detroit investment property on a full-doc program, qualifying on foreign income with no U.S. credit history.
Foreign-national mortgagesWe publish case studies from closed loans only — no composites, no invented clients. America Mortgages, Inc. · NMLS 2810389 (America Mortgages Nationwide).
Want the fundamentals first? Start in the Learning Lab, hear clients in their own words on the reviews page, or watch a webinar replay.
A U.S. Mortgage Specialist will map your situation against real programs, just like the deals above. pre-approval, no U.S. credit required.