By a Human. Robert. Not a robot. Promise.
You may have missed it between the pumpkin spice latte season and the global economic rollercoaster, but the U.S. Federal Reserve just cut interest rates by 0.25% … and quietly hinted that more cuts might be on the way.
Now, if you’re a global real estate investor or a U.S. expat with one eye on Zillow and the other on your wallet, this is the economic version of a flashing neon sign saying:
“ACT NOW BEFORE THIS TURNS INTO A SELLER’S MARKET!”
And no, that’s not clickbait. That’s just common sense wrapped in a golden opportunity. Let’s unpack why.
Rate Cuts = Cheaper Money = More Competition (Soon)
Here’s the thing: when interest rates drop, borrowing money gets cheaper. That means more buyers jump into the market.
Right now, the U.S. real estate market is still what many would call a “buyers market” in many areas. Sellers are motivated. Inventory exists. Deals can be negotiated without feeling like you’re arm wrestling The Rock.
But as the Fed drops rates further? That shift reverses.
- Mortgage demand shoots up.
- Buyers flood the market.
- Property prices rise.
- Good deals? Gone.
So, unless your investment strategy includes “pay more later and fight off 12 other bidders,” now is the time to make your move.
“But I’m Not American…” Even Better
Here’s where it gets interesting: If you’re a foreign national or a U.S. expat, traditional U.S. banks usually treat you like you’re trying to buy property with Monopoly money.
They ask for:
- U.S. tax returns
- Proof of U.S. income
- Established U.S. credit history
That’s exactly why we created America Mortgages, to help global investors get around the red tape and into U.S. real estate without losing their minds and their wallets.
Two Programs Worth Knowing Right Now
1. AM Cash Out Refinance
If you already own U.S. property, you’re likely sitting on gold — also known as home equity. Instead of letting it nap, you can tap into it.
What you get:
- No income verification
- No U.S. credit history needed
- Loans from $100K
- Up to 70% LTV cash-out for foreign nationals (80% for U.S. citizens)
- Cash in 30–45 days
- Use the equity for anything: reinvestment, education, avocado toast empire…whatever matters to you.
2. AM Bridge+ Loan
Sometimes, real estate moves fast — and you need to move faster.
The AM Bridge+ Loan is a short-term, speed-first solution if you want to:
- Snag a property before someone else does
- Refinance quickly
- Get cash out, then refinance later when rates drop again
- Close “same as cash”
- Pure asset back (appraisal value only) from $500k to $100m
Key features:
- No income or U.S. credit required
- Loans from $500K up to $100 million (yes, with six zeroes)
- Close in as little as 5 days
- Up to 70% LTV
- Interest-only payments, flexible terms
Perfect for those who don’t like waiting or bank paperwork that feels like a visa application for Mars.
Why You Shouldn’t Wait
Still on the fence? Let’s do some quick math:
In 2022, when rates skyrocketed, home affordability dropped 30%.
In 2020-2021, when rates were cut, U.S. home values jumped 35% in just over a year.
Foreign investment into U.S. property has consistently topped $50–70 billion annually, even during global uncertainty.
Translation? Every time rates dip, prices rise. You can wait for more rate cuts… but so will millions of others. And they’ll be your competition when it’s time to buy.
Let’s Make This Easy
Investing in U.S. property as a non-resident doesn’t need to be complicated. Whether you want to refinance, buy, or pull equity out before the next big rate shift, America Mortgages has tailored programs for international investors like you.
And remember, the early investor gets the equity. Or at least doesn’t have to overpay later.
Ready to ride the rate-cut wave?
Talk to America Mortgages today. No tax returns. No U.S. credit. Just smarter investing before everyone else shows up.
Because in real estate, like in comedy and airline seats, timing is everything.
