Specialized Focus on International Borrowers
Unlike many lenders that primarily serve domestic borrowers, America Mortgages focuses on helping foreign nationals, U.S. expats, and international investors navigate U.S. real estate financing.
U.S. Mortgages for Foreign Nationals
Foreign National Mortgage Loans for U.S. Real Estate Investors & International Buyers
Finance U.S. investment properties, vacation homes and second homes with mortgage solutions designed specifically for non-U.S. residents. Whether you're purchasing your first U.S. property, expanding a real estate portfolio, or refinancing an existing asset, America Mortgages provides access to specialized financing and over 150 mortgage programs for international borrowers.
Reviewed by Robert Chadwick, CEO | Co-Founder, America MortgagesUpdated 6 July 2026
42+ five-star reviewsForeign nationals of 57 nationalities finance U.S. real estate with America Mortgages — a specialist, not a call center.
Why foreign nationals trust America Mortgages
- approval rate
- 97%approval rate
- funded
- $1B+funded
- nationalities financed
- 57nationalities financed
- mortgage programs
- 150+mortgage programs
Can Foreign Nationals Get a U.S. Mortgage? Yes.
Foreign nationals can purchase and finance U.S. real estate without U.S. citizenship or permanent residency.
Many international buyers assume they need a U.S. credit history, Social Security Number, or residency status to qualify for a mortgage. In reality, specialized financing solutions are available for eligible foreign nationals purchasing investment properties, vacation homes, second homes, and residential real estate throughout the United States.
America Mortgages specializes in helping international borrowers navigate the U.S. mortgage process with financing solutions designed specifically for non-U.S. residents.
Built for international borrowers
Financing solutions for a wide range of borrowers & property types
Who We Help
- Real Estate Investors
- Business Owners & Entrepreneurs
- High-Net-Worth Individuals
- Foreign Retirees
- Professionals Living & Working Overseas
- LLC & Corporate Investors
- Global Executives
Eligible Property Types
- Single-Family Homes
- Condominiums
- Vacation Homes
- Second Homes
- Multifamily Properties
- Long-Term Rental Properties
- Short-Term Rental Investments
- Residential Investment Properties
Financing solutions
Financing solutions for foreign nationals
Whether you're purchasing your first U.S. property, financing a vacation home, or expanding a real estate portfolio, America Mortgages offers access to a wide range of financing solutions tailored to international borrowers.
DSCR Loans
Qualify based on a property's rental income potential rather than traditional personal income documentation.
Foreign National Mortgage Loans
Mortgage solutions specifically designed for non-U.S. residents purchasing U.S. real estate.
Asset-Based Mortgage Loans
Leverage eligible liquid assets to qualify when traditional income documentation may not fully reflect your financial strength.
LLC Financing
Purchase and refinance investment properties through an LLC using eligible lending programs.
Vacation & Second Home Financing
Mortgage solutions designed for foreign nationals purchasing personal-use properties in the United States.
Cash-Out Refinance Solutions
Access equity from eligible U.S. properties to support future investments or financial goals.
The America Mortgages advantage
Why international investors choose America Mortgages
Foreign nationals often discover that traditional lenders and many mortgage providers are not equipped to handle the complexities of international borrowers. America Mortgages was built specifically to help global investors access U.S. real estate financing through solutions designed for cross-border financial profiles.
60-second check
Can I qualify as a foreign national?
Answer four quick questions to see whether a U.S. mortgage fits your profile — no personal details, no credit pull, no obligation.
Eligibility check
Question 1 of 6
Question 1 of 6. Are you a non-U.S. resident (foreign national) buying U.S. property?
Are you a non-U.S. resident (foreign national) buying U.S. property?
You do not need U.S. citizenship, a green card, or U.S. residency to qualify.
Rates & terms
Indicative loan-to-value, amounts and terms
These ranges are what our foreign national programs typically offer. They are indicative only — your exact rate, LTV and terms are confirmed in writing at pre-approval.
| Program | Max LTV | Loan amount | Terms |
|---|---|---|---|
| Purchase | Up to 75% | $150k – $5M | 5 / 10 / 30-yr |
| Cash-out refinance / equity release | Up to 70% | $150k – $5M | 5 / 10 / 30-yr |
| Rate & term refinance | Up to 70% | $150k – $5M | 5 / 10 / 30-yr |
| Interest-only (servicing) | Up to 75% | $150k – $5M | Amortized over 30-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.
Estimate
Model your monthly payment
Drag the sliders to see an indicative payment. You enter the rate — we don't quote one here; your real rate comes at pre-approval.
Property price$750,000
Down payment25% · $187,500
Max LTV is 75% (min 25% down).
%
Estimated monthly payment
$3,742
per month · principal & interest only
- Loan amount
- $562,500
- Down payment
- $187,500
Illustration only. You enter the rate — America Mortgages does not quote a rate here. Your actual rate, LTV and payment are confirmed in writing at pre-approval. Excludes taxes, insurance and fees.
How it works
How the foreign national mortgage process works
- 1
Speak With a Specialist
Discuss your property goals, financing needs, and borrower profile with a foreign national mortgage expert.
- 2
Review Available Financing Options
We identify mortgage solutions that align with your investment objectives, property type, and documentation profile.
- 3
Submit Documentation
Provide the required documentation, which may include identification, asset verification, income information, and property details.
- 4
Receive Loan Approval
Our team works with lenders and underwriting partners to secure the financing solution that best fits your situation.
- 5
Close on Your U.S. Property
Complete the closing process and move forward with your investment property, vacation home, second home, or refinance transaction.
Ready to Finance U.S. Real Estate as a Foreign National?
Whether you're purchasing your first U.S. investment property, financing a vacation home, or refinancing an existing asset, our mortgage specialists can help identify financing solutions tailored to your goals and borrower profile.
Why speak with our team?
- Understand your financing options before you apply
- Learn which programs may fit your situation
- Get guidance on documentation requirements
- Receive support throughout the mortgage process
Social proof
What clients say
Real reviews from foreign nationals and U.S. expats who financed U.S. property with America Mortgages.
42+ verified 5-star Google reviews
Rated “Excellent” by U.S. expats & foreign nationals worldwideI am very lucky to have found America Mortgages to help me with my project living abroad, and I am particularly amazed by the engagement of Hanah, who has been following every step of my case since Day 1. She was extremely helpful every time we encountered a bump in the road — always thinking of solutions, thinking out of the box, and keeping me motivated. My deepest gratitude goes to Hanah.
America Mortgages was fantastic to work with as an American expat. I needed to refinance my condo in DC but living overseas. For most lenders I was denied because my income was foreign. I worked closely with Nick and was able to refinance with a lower payment — the entire process was seamless and took less than 6 weeks. More than a 5★ experience.
Nick is absolutely wonderful. I'm a Canadian purchasing a house in Tampa, Florida and he made the process smooth and easy!! Thank you Nick!!
Pleasure to work with. Very clear from Day 1 as to what they could achieve. Didn't promise anything that they couldn't fulfill.
As both a lawyer and an individual I've been involved in many complex real estate transactions in Canada and the US. Of all the professionals I've worked with, Roberto Johnson of America Mortgages is without a doubt the absolute best. Where others said no, he said yes — and came up with truly creative solutions. An absolute game-changer. We couldn't have done it without him!
We had a quick closing date, were in a sticky situation and needed a foreign mortgage in record time. The team went above and beyond, put us in direct contact with the lender, worked at lightning speed and kept us in the loop the whole way. Thank you for getting us into our new home!
As someone who owns real estate in two different countries I expected the USA process to be much easier. A bank and another company couldn't approve my mortgage. I found America Mortgages online at the airport between flights — thank God! Even easier than getting a mortgage for my own home in London. 5 stars for service and flawless execution!
Joe Aaron has been an exceptional help during this process! As Canadians, we were told by other brokers they were unable to get a mortgage for our grandparents' home. Thankfully, Joe was able to assist us and allow us to keep it! Thank you so much for your guidance and help!
FAQ
Frequently asked questions
Can a foreign national get a mortgage in the United States?
Yes. Foreign nationals can purchase and finance U.S. real estate without U.S. citizenship or permanent residency. America Mortgages specializes in mortgage solutions designed specifically for international borrowers purchasing investment properties, vacation homes, second homes, and residential real estate throughout the United States.
Do I need a U.S. credit score?
No. Many of our mortgage programs are specifically designed for borrowers who do not have an established U.S. credit history. Depending on the loan program, qualified borrowers can use international credit reports, alternative credit documentation, or other approved methods to support their application.
Can I purchase through an LLC?
Yes. America Mortgages offers financing solutions that allow eligible borrowers to purchase or refinance investment properties through an LLC. These programs are popular among international investors seeking asset protection, portfolio management flexibility, and investment-focused ownership structures.
Can foreign nationals qualify for DSCR loans?
Yes. DSCR loans are one of the most popular financing options for foreign national investors. Qualification is primarily based on the property's rental income potential rather than personal income, making these programs well-suited for investment property purchases and portfolio growth.
Can I refinance a U.S. property as a foreign national?
Yes. Foreign nationals can refinance U.S. properties through both rate-and-term refinance and cash-out refinance programs. Many borrowers use refinancing to improve loan terms, access property equity, or support future real estate investment goals. Cash-out is available up to 70% of the property's value.
What documentation is usually required?
Documentation requirements depend on the loan program, but foreign national borrowers are commonly asked to provide a valid passport, asset verification, income documentation, bank statements, and information related to the property being financed. Our mortgage specialists will outline the specific documentation required based on your borrower profile and selected program.
How much can I borrow, and what down payment do I need?
Loans run from $150,000 to $5,000,000. Maximum loan-to-value is up to 75% on a purchase and up to 70% on a cash-out refinance or equity release, so you should plan for a 25–30% down payment plus reserves. Exact figures depend on the program, property and your profile.
Which countries and U.S. states do you cover?
We finance foreign nationals of 57 nationalities and lend in all 50 U.S. states. The most popular destinations for our clients include Florida, California, Texas, New York and Arizona, and our borrowers most often come from China, Canada, Mexico, India and the U.K.
Learning Lab
Expert Insights for International Property Buyers
Access educational content, market insights, financing strategies, and mortgage guidance designed specifically for foreign nationals investing in U.S. real estate.
Whether you're purchasing your first U.S. property, exploring financing options, or expanding an international real estate portfolio, our resources can help you make more informed investment and financing decisions.
Guide
How foreign nationals qualify for a U.S. mortgage
What documents you need, how income and credit are assessed, and what to expect from application to closing.
Read moreStrategyDSCR loans explained for international investors
Qualify on a property's rental income instead of personal income — and how it powers portfolio growth.
Read moreMarketWhere foreign nationals are buying U.S. real estate
The states and property types drawing the most international investment, and why.
Read moreReviewed 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. Any payment shown by the estimator is an illustration based on a rate you entered — not a rate quoted by America Mortgages. All financing is subject to program eligibility, property, borrower profile, underwriting and prevailing market conditions, and is confirmed in writing at pre-approval.