High Net Worth Loan Programs
The AM High Net Worth+ program sheet covers U.S. property financing for international high-net-worth clients with complex income structures: qualify with your liquid investment portfolio — with no encumbrance on those assets — instead of personal income or U.S. credit. Terms as published: loan amounts from $3,000,000 to $100,000,000, up to 60% LTV on purchases and on refinance or equity release, 5-, 10- and 30-year fixed terms with a 10-year interest-only option, available in all 50 states for investment or second homes, closing in 30–45 days with loan closing available outside the U.S. It opens with a letter from CEO Robert Chadwick on AM's 150+ lending relationships and 97% approval rate.
Prefer to read offline? Use the Download button above — the file is a 4-page PDF (1.2 MB).
Qualify on your portfolio, not your paperwork
Built for clients whose tax returns span jurisdictions — the sheet shows how a liquid portfolio replaces income documents entirely.
- Who it's for: international high-net-worth clients — U.S. citizens or foreign nationals — with complex income structures and a robust liquid investment portfolio
- Qualify with your liquid investment portfolio, with NO encumbrance on those assets; no U.S. credit and no personal income required
- Loan amounts from $3,000,000 to $100,000,000; up to 60% LTV on purchases and on refinance / equity release
- 5-, 10- and 30-year fixed terms, plus a 10-year interest-only option that converts to a 30-year P/I fixed
- All 50 states; investment or second home; salaried or self-employed; loan closing available outside the U.S.; 30–45 day closing time
- Costs as published: 2% origination (success fee), appraisal $550–750 on average, lender fee approx. $1,600, settlement costs by state — via U.S. wholesale lenders
- NMLS · America Mortgages Nationwide
- 2810389
- lender programs
- 150+
- U.S. states
- 50
- U.S. credit required
- No
Related resources
Foreign national mortgages
Below $3M? The foreign-national programs cover loans from $150,000 with up to 75% LTV.
U.S. expat lending
Meet the loan officers who arrange U.S. financing for HNW clients across time zones.
America Mortgages Loan Handbook
AM High Net Worth+ in context — every program side by side in one reference PDF.
Talk to a specialist
Discreet, obligation-free structuring conversation for $3M–$100M U.S. property financing.
Finance $3M–$100M of U.S. property without touching your portfolio
Your liquid portfolio qualifies the loan — unencumbered. Speak confidentially with a specialist who only works with international HNW borrowers.