Built Specifically for Expats
We are the world's only U.S. mortgage specialist based overseas — expats ourselves — so we understand foreign income, overseas residency and cross-border documentation.
U.S. Mortgages for Americans Abroad
U.S. Expat Mortgage Loans for Americans Living Abroad
Purchase, refinance, or invest in U.S. real estate while living overseas. America Mortgages helps U.S. citizens abroad qualify using foreign income, global assets, and specialized mortgage solutions designed for Americans living and working outside the United States — up to 80% LTV, loans $150k–$5M, and a pre-approval.
Reviewed by Robert Chadwick, CEO | Co-Founder, America MortgagesUpdated 6 July 2026
42+ five-star reviewsU.S. expats living overseas finance U.S. real estate with America Mortgages — the world's only U.S. mortgage specialist based overseas.
Why U.S. expats trust America Mortgages
- approval rate
- 97%approval rate
- funded
- $1B+funded
- nationalities financed
- 57nationalities financed
- mortgage programs
- 150+mortgage programs
Why Americans Living Abroad Choose Specialized Mortgage Solutions
Living overseas shouldn't prevent you from owning property in the United States.
Many traditional lenders struggle with foreign income, international employment contracts, overseas banking relationships, and non-traditional documentation. As a result, qualified U.S. Expats are often told they don't fit standard lending requirements.
America Mortgages specializes in helping Americans living abroad navigate these challenges through mortgage solutions designed specifically for international financial profiles — qualifying you on your actual overseas earnings, not a W-2.
Built for a wide range of expat borrowers
Who we help & what you can finance
Who We Help
- Corporate Professionals
- Business Owners & Entrepreneurs
- Contractors & Consultants
- Retirees planning a U.S. return
- Real Estate Investors
- Military & Government Personnel Overseas
- Recently relocated Americans
What You Can Finance
- Primary Residence
- Second Home or Vacation Property
- Retirement / Future U.S. Home
- Residential Investment Properties
- Cash-Out Refinance
- Rate-and-Term Refinance
- Bridge Financing
- Long-Term Rental Properties
Expat mortgage features
Expat mortgage features designed for Americans living abroad
America Mortgages offers mortgage solutions specifically designed for U.S. citizens living and working overseas. Our programs are built to address the realities of foreign income, international banking relationships, and cross-border financial profiles.
Foreign Income Accepted
Eligible borrowers can qualify using foreign employment income and approved international documentation — no W-2 required.
Up to 80% Loan-to-Value (LTV)
Financing available for purchases, refinances, and equity access through eligible programs.
Loan Amounts from $150,000 to $5 Million
Solutions available for a wide range of property values and financing objectives.
30-Year Amortization Regardless of Age
Long-term financing options designed to support affordability and cash-flow management.
Fixed, Adjustable & Interest-Only Options
Choose from 15/30-yr fixed, 5/7-yr ARMs, or a 10-yr interest-only loan that converts to a 30-yr P&I fixed at no rate change.
Remote Process From Start to Closing
Complete much of the mortgage process from anywhere in the world with support from experienced specialists.
The America Mortgages advantage
Why U.S. expats trust America Mortgages
Unlike traditional lenders, America Mortgages specializes in helping Americans living abroad navigate the unique challenges of U.S. mortgage financing. Our team understands foreign income, international banking relationships, overseas residency, and cross-border documentation requirements. Whether you're purchasing, refinancing, or investing, we help identify financing solutions designed around your global financial profile.
60-second check
Can I qualify from overseas?
Answer four quick questions to see whether a U.S. expat 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 U.S. citizen or green-card holder living abroad?
Are you a U.S. citizen or green-card holder living abroad?
This page is for Americans and permanent residents earning outside the U.S.
Rates & terms
Indicative loan-to-value, amounts and terms
These ranges are what our U.S. expat 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 80% | $150k – $5M | 15 / 30-yr fixed · 5 / 7-yr ARM |
| Rate & term refinance | Up to 80% | $150k – $5M | 15 / 30-yr fixed · 5 / 7-yr ARM |
| Cash-out / equity release | Up to 80% | $150k – $5M | 15 / 30-yr fixed · 5 / 7-yr ARM |
| Interest-only (10-yr) | Up to 80% | $150k – $5M | 10-yr IO → 30-yr P&I fixed, no rate change |
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 payment20% · $150,000
Max LTV is 80% (min 20% down).
%
Estimated monthly payment
$3,792
per month · principal & interest only
- Loan amount
- $600,000
- Down payment
- $150,000
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
From first call to closing — remotely
- 1
Tell us your goal
Book a call or send the short form: where you live, the U.S. state and property, and whether it's a purchase, refinance or cash-out.
- 2
Get pre-approved
We review your foreign-income profile against 150+ lender programs and issue an indicative pre-approval.
- 3
Lock your program & documents
Provide foreign income docs plus ID — no W-2 required. We handle appraisal and underwriting so you can keep working abroad.
- 4
Close remotely
Sign at a local notary or U.S. embassy and fund by wire. Most files close in roughly 21–45 days from a complete application.
Ready to Finance U.S. Real Estate as a U.S. Expat?
Whether you're planning a return to the United States, buying a vacation property, building a real estate portfolio, or refinancing an existing home, our mortgage specialists can help identify financing solutions tailored to your goals and global financial profile.
Why speak with our team?
- Understand your financing options before you apply
- Learn which programs may fit your situation
- Get guidance on foreign-income documentation
- Receive support throughout the mortgage process
Social proof
What clients say
Real reviews from U.S. expats and foreign nationals 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
U.S. expat mortgage questions, answered
Can a U.S. citizen living overseas really get a U.S. mortgage?
Yes. The U.S. banking system generally isn't built for expats — most traditional lenders can't use income that isn't in U.S. dollars and backed by a W-2. America Mortgages' U.S. Expat Mortgage Loans are designed specifically for Americans living abroad, qualifying you on your actual overseas earnings so your income source doesn't lock you out of the U.S. housing market.
Do I need a W-2 or U.S.-based income to qualify?
No. You do not need a W-2 or U.S. employment. We qualify you on your foreign-currency income — salary, self-employment or business earnings — through our Foreign Income Mortgage Program. For an investment property, we can qualify you on the property's rental income (DSCR) instead of your personal income.
How much can I borrow, and what down payment do I need?
Loan sizes run from $150,000 to $5,000,000, covering both first-time and luxury buyers. Maximum loan-to-value is up to 80% for purchases, refinancing and equity release, so plan for roughly a 20–25% down payment plus reserves. Exact figures depend on the program, property and your profile.
What loan programs and terms are available?
You can choose 15- or 30-year fixed rates, or 5- and 7-year ARMs, with 30-year amortization regardless of age. A fixed 10-year interest-only option is also available; it converts to a 30-year principal-and-interest fixed with no rate change, which helps manage cash flow while keeping a locked long-term rate.
Can I refinance or take cash out of a property I already own?
Yes. Refinancing and cash-out / equity release are among our most popular programs for U.S. expats — many use released equity to reinvest, buy a vacation or investment property, or simply lower their payment. Cash-out is available up to 80% of the property's value.
What documents will I need to provide?
Typically a valid U.S. passport, proof of your foreign address, recent foreign bank statements, and evidence of income — employment or self-employment documentation, or, for a DSCR loan, a rental appraisal of the property. Your specialist gives you an exact checklist up front so there are no surprises.
Can I use interest-only payments while I'm abroad?
Yes. Our fixed 10-year interest-only loan lets you make interest-only payments for the first decade, then automatically converts to a 30-year principal-and-interest fixed loan at the same rate. Many expats use it to maximize cash flow and keep peace of mind with a fixed rate while living overseas.
How quickly can I get pre-approved and close?
We can issue a pre-approval once we have your basic details. From a complete application, most purchases fund in roughly 21–45 days; time-sensitive purchases can be structured to close faster.
Learning Lab
Expert Insights for Americans Living Abroad
Access educational content, market insights, financing strategies, and mortgage guidance designed specifically for U.S. expats investing in and financing U.S. real estate.
Whether you're planning a return to the United States, exploring financing options, or building a U.S. real estate portfolio from overseas, our resources can help you make more informed decisions.
Guide
How U.S. expats qualify for a mortgage on foreign income
What documents you need, how foreign income and credit are assessed, and what to expect from application to closing.
Read moreStrategyBuying a second home in the U.S. while living abroad
Financing a vacation, retirement or future U.S. home using foreign income and global assets.
Read moreMarketCash-out refinancing for Americans overseas
How expats release U.S. equity to reinvest, renovate, or improve cash flow while abroad.
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 U.S. expats and foreign nationals. 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.