Robert Chadwick
CEO
$1 Million to $200 Million+
(Close in 10-14 Days)
Real estate moves fast. Your capital should too.
When a $32 million Miami waterfront property hits the market distressed, or a $75 million Los Angeles development site needs immediate acquisition, traditional banks ask for 60 days and three years of tax returns. We ask for the address and your exit strategy.
America Mortgages provides asset-based bridge loans secured solely by US real estate value. Often no personal guarantees required. No US credit history needed for non-US citizens/residents. No employment verification. Just the property, the numbers, and the speed to close before opportunity vanishes.
As the US subsidiary of Global Mortgage Group, the world’s leading international mortgage specialist headquartered in Singapore with direct capital relationships across Asia, Europe, and the Americas we bring funding capacity no domestic lender can match. While US banks tap local credit lines, we access institutional capital from Singapore sovereign wealth funds, European private banks, and US debt funds simultaneously. This means your $5 million loan closes with the same certainty as your $75 million transaction.
Get Bridge Loan Terms in 24 Hours.
Speak with an Expert: +1 830-217-6608 or +65 8430-1541
What We Finance: Asset-Only Underwriting
We lend against the real estate collateral. Period.
- Loan Amount: $1,000,000 USD minimum. No maximum.
- Loan Term: 6 months to 3 years
- Interest Structure: Interest-only or rolled-up (deferred) payments
- LTV: Up to 75% of current or as-completed value
- Speed: 10-14 business days to close
- Recourse: Non-recourse available for qualified transactions
- Property Types: Residential, commercial, multifamily, hospitality, land, new construction, development sites
What we don’t need:
- Personal tax returns
- US credit scores (foreign nationals only)
- Employment verification
- Debt-to-income calculations
What we evaluate:
- Property location, market velocity and appraised value
- Current value and after-repair/after-development value for development / constructions loans (ARV/ADV)
- Your exit strategy (refinance, sale, or stabilization)
- Property use (self-use or investment)
Global Capital Advantage: Why Size Doesn’t Slow Us Down
Most US bridge lenders and brokers tap a single credit facility or lender. That equals no creativity or depth. When markets tighten, their capacity shrinks. Your deal dies in underwriting.
America Mortgages operates differently.
Our Capital Stack:
- Asian Institutional Capital: Direct relationships with Singapore sovereign wealth vehicles, Hong Kong family offices, and Tokyo investment banks that understand U.S. real estate
- European Private Banking: Access to Luxembourg and Swiss debt funds, London-based real estate specialty lenders that love U.S. real estate exposure
- US Debt Funds: Partnerships with domestic private credit funds for geographic and sector diversification. Lenders and funds that are vetted and understand speed, flexibility and transparency are key.
What this means for your transaction:
A $75 million bridge loan doesn’t sit in a queue waiting for committee approval. It gets structured across multiple capital sources simultaneously, with America Mortgages bearing the coordination complexity. You get certainty of close. We get the flexibility to price aggressively and move fast.
When a Swiss family office needs to close a Manhattan trophy asset in 12 days, or a Hong Kong developer seizes a distressed San Francisco opportunity, they don’t call a regional bank. They call us.
Case Studies: Three Transactions, One Standard
Case Study 1: The $5 Million Distressed Acquisition
- Borrower: Foreign National, Geneva, Switzerland
- Asset: 24-unit multifamily property, Austin, Texas
- Situation: Distressed seller needed 14-day close or would accept lower backup offer. Swiss borrower had liquidity tied in European securities that would take 30 days to liquidate without market impact.
- America Mortgages Solution: $3.75 million bridge loan (75% LTV) closed in 11 days using asset-based underwriting only. No US credit check. No Swiss tax returns reviewed. Borrower executed light renovation ($400,000), stabilized rents, and refinanced into permanent DSCR financing at $6.2 million valuation 8 months later extracting $1.45 million in equity while retaining cash-flowing asset.
- Exit Strategy: Refinance to long-term DSCR loan with America Mortgages
- Timeline: 11 days to close, 8 months to exit
Case Study 2: The $32 Million Waterfront Rescue
- Borrower: Foreign National, Hong Kong
- Asset: 18,000 sq ft waterfront estate, Miami Beach, Florida
- Situation: High-net-worth Hong Kong investor owned a $32 million waterfront property in Miami, Florida. He needed access to quick capital to expand his business ventures in Africa. Traditional private banks needed 45 days for KYC and credit committee.
- America Mortgages Solution: $24 million bridge loan (75% LTV) structured with 12-month term and interest roll-up (no payments required during term). Closed in 13 days using Hong Kong banking references and asset valuation only. Borrower had the funds for his business acquisition and paid off the loan in 8 months giving him a 4-month interest credit refund.
- Exit Strategy: Business proceeds
- Timeline: 13 days to close, 8 months to exit
Case Study 3: The $75 Million Development
- Borrower: US Resident, Beverly Hills, California
- Asset: 4.2-acre undeveloped land, Bel Air, California (entitled for 12 luxury residences)
- Situation: Experienced Los Angeles developer needed to secure $75 million land acquisition before seller accepted competing bid from public REIT. Required 14-day close with no financing contingency. Traditional construction lenders wouldn’t lend on land without full plans and permits (6-month process).
- America Mortgages Solution: $56.25 million bridge loan (75% LTV) with 24-month term and interest reserve. Closed in 10 days using asset-based underwriting focused on entitled value and developer track record. Non-recourse structure. Borrower completed horizontal development and pre-sold 8 of 12 residences, then refinanced into $90 million construction-to-permanent facility with major US bank now that project was de-risked.
- Exit Strategy: Development completion and construction loan refinance
- Timeline: 10 days to close, 18 months to exit
The Common Thread: Speed, certainty, and scale. Whether $5 million or $75 million, foreign or domestic, the process is identical. Property value. Exit strategy. Close.
Who Qualifies: Built for Sophisticated Investors
Foreign Nationals
- No US Social Security Number or ITIN required
- No US credit history or score needed
- International banking references accepted (if required)
- Passport and foreign corporate documentation sufficient
- Multilayered holding structures okay
- Source of funds verified through international banks (purchase)
US Expats & Global Citizens
- Overseas income and assets accepted
- No US tax return requirements in most cases
- Time-zone-friendly closing process
US Domestic Investors
- Self-employed with complex income structures
- High-net-worth individuals with liquidity events pending
- Corporate and LLC borrowers
- Estate and trust structures
The Requirement: A viable US real estate asset and a credible exit strategy. That’s it.
The Bridge-to-Exit Strategy
Smart operators don’t use bridge loans as desperation financing. They use them as tactical leverage to capture alpha, then exit to optimal long-term capital.
Typical Exit Pathways:
- Refinance to Permanent Financing
America Mortgages offers exit liquidity through our own lending facilities and more than 50+ US lender network: DSCR loans (qualify on property income), foreign national permanent financing (30-year terms), or portfolio loans for multiple assets. - Sale at Stabilized Value
Execute your business plan, force appreciation, sell to long-term holder. Bridge loan paid from sale proceeds. - Construction Loan Takeout
Land or development bridge financing refinanced to construction facility once entitlements secured or pre-sales achieved. - Equity Recapitalization
Cash-out bridge loan on existing assets to fund acquisitions, then refinance combined portfolio.
The America Mortgages Process: Speed Without Chaos
Day 1-2: Initial review
Submit property address, purchase price or estimated value, and exit strategy. Receive term sheet within 24 hours.
Day 3-7: Due diligence
Property valuation (we engage appraisers or accept BPOs), title review, legal documentation. You focus on the deal; we handle the coordination.
Day 8-10: Closing preparation
Final loan documents, wire instructions, escrow coordination. International clients accommodated for time zones and signing execution.
Day 11-14: Close and fund
Funds wired to US escrow. You take possession. The clock starts on your exit strategy.
Throughout: Single point of contact. No committee meetings. No “we’ll get back to you next week.” Decisions made by principals with authority.
Frequently Asked Questions
We lend against the real estate collateral. Period.
What is the minimum and maximum loan amount?
How fast can you actually close a $30+ million loan?
10-14 business days is standard, even for large transactions. Our record is 8 days for a $22 million loan where the borrower had complete documentation ready. Speed depends on property complexity, not loan size.
Do you offer non-recourse bridge loans?
Yes, for experienced sponsors with strong track records and conservative LTVs (typically 60% or below). Most bridge loans are full recourse, but when available we structure non-recourse for qualified transactions.
I’m a foreign national with no US credit. Can I really get a $10 million loan?
Yes. We specialize in this. Your Swiss, Hong Kong, or Singapore banking relationships, combined with the asset value and your exit strategy, are sufficient. We’ve closed over $500 million for foreign nationals without US credit.
What interest rates should I expect?
Bridge loans are priced based on LTV, asset quality, location, and recourse structure. Typically low to mid-double digits. For current pricing on your specific transaction, request a term sheet — no obligation.
Can I use an LLC or offshore structure?
Yes. We lend to US LLCs, Delaware statutory trusts, foreign corporations, and complex multinational structures. We coordinate with your tax and legal advisors to ensure optimal structuring.
What property types do you avoid?
We don’t lend on owner-occupied residential (but can review on a case-by-case basis), agricultural land without development potential, or properties in active litigation. Everything else — commercial, multifamily, hospitality, industrial, land, construction … we consider.
How do I start?
Call or WhatsApp +65 8430-1541 or +1 830-217-6608 or email [email protected] to discuss your requirements and the loan options available.
Your Opportunity Doesn’t Wait. Neither Do We.
The $32 million Miami asset. The $75 million entitled Bel Air development site. The $5 million cash-flowing Austin multifamily. They all share one characteristic: they reward speed.
Traditional banks optimize for risk minimization. We optimize for velocity and certainty. When you need to close in 10-14 days with $1 million to $200 million+ in capital, you need a firm with global funding capacity and asset-based decision making.
America Mortgages brings both.
Get your term sheet in 24 hours. Close in 10-14 days. Move forward.
Call or WhatsApp +65 8430-1541 or +1 830-217-6608 or email [email protected]
America Mortgages is a wholly-owned subsidiary of Global Mortgage Group Pte. Ltd., headquartered in Singapore with capital relationships and representation across 12 countries. We bring the world’s capital to your US real estate opportunity.
Schedule a call with our Fast Bridge Loan Specialist.
