Foreign Income Accepted
For eligible U.S. Expat borrowers, foreign income can be used to qualify when properly documented through employer letters, salary slips, bank statements or other approved verification methods.
U.S. Second Home Mortgages
U.S. Second Home Mortgages for Foreign Nationals & U.S. Expats
Finance a vacation home, holiday home, second residence, or future U.S. home with specialized mortgage solutions designed for Foreign Nationals and U.S. Expats. America Mortgages helps qualified international borrowers buy second homes in the United States using flexible lending programs, foreign income, global assets, international credit alternatives and specialized underwriting.
Reviewed by Robert Chadwick, CEO | Co-Founder, America MortgagesUpdated 6 July 2026
42+ five-star reviewsForeign Nationals and U.S. Expats of 57 nationalities finance U.S. second homes with America Mortgages — a specialist, not a call center.
Why international borrowers trust America Mortgages
- approval rate
- 97%approval rate
- funded
- $1B+funded
- nationalities financed
- 57nationalities financed
- loan programs
- 150+loan programs
Buy Your U.S. Second Home From Overseas
Whether you want a vacation home in Florida, a family retreat in California, a future retirement property, or a U.S. base for extended stays, purchasing a second home from overseas is possible with the right mortgage strategy.
Traditional U.S. banks often struggle with foreign income, international assets, non-U.S. credit and overseas residency. America Mortgages specializes in helping qualified international borrowers access U.S. second home financing through lending solutions designed specifically for cross-border financial profiles.
Whether you're purchasing for lifestyle, retirement planning, family access, or future relocation, our team can help identify the financing strategy that fits your goals.
Why buy a second home
Why buy a second home in the United States?
Whether you're planning for retirement, creating a home base for family visits, escaping harsh winters, or securing a property for future relocation, owning a second home in the United States offers flexibility, lifestyle benefits and long-term value.
- Vacation and holiday use
- Future retirement planning
- Family and education access
- Seasonal living
- Wealth diversification
- Long-term property ownership
Match the structure
Is a second home mortgage right for you?
A second home mortgage is designed for borrowers who plan to personally use the property during part of the year. If the property will primarily generate rental income, a DSCR loan may be a better option. Choosing the right structure matters because it affects qualification, documentation, occupancy expectations and long-term strategy.
| Goal | Potential financing path |
|---|---|
| Personal vacation home | Second home mortgage |
| Personal use plus occasional rental | Second home or DSCR strategy, depending on usage |
| Primarily rental income | DSCR investment property loan |
| Buy quickly and refinance later | Asset-based bridge loan |
| Future return to the U.S. | Second home or bridge-to-refinance strategy |
The America Mortgages advantage
Why international borrowers choose America Mortgages
Our team brings over two decades of combined cross-border lending experience helping Foreign Nationals and U.S. Expats navigate the unique requirements of U.S. mortgage financing — through specialized expertise, global reach and access to extensive lending solutions.
60-second check
Which second-home path fits you?
Answer four quick questions to see whether a second home mortgage fits — or whether a DSCR or bridge structure would serve you better. No personal details, no credit pull, no obligation.
Eligibility check
Question 1 of 6
Question 1 of 6. How will you mainly use the property?
How will you mainly use the property?
A second home mortgage is for personal use. If it's mainly for rental income, a DSCR loan is usually the better fit.
Rates & terms
Indicative loan-to-value, amounts and terms
These ranges are what our second home 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 |
|---|---|---|---|
| Second home purchase | Up to 75% | $150k – $5M | 5 / 10 / 30-yr |
| Rate & term refinance | Up to 70% | $150k – $5M | 5 / 10 / 30-yr |
| Cash-out refinance / equity release | 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$850,000
Down payment25% · $212,500
Max LTV is 75% (min 25% down).
%
Estimated monthly payment
$4,241
per month · principal & interest only
- Loan amount
- $637,500
- Down payment
- $212,500
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 second home mortgage process works
Step 1 of 6
Define Your Property Goals
Tell us whether the home will be used for vacations, family visits, future relocation, retirement, rental income, or a combination of uses.
Compare your options
Which financing strategy is right for you?
Choosing between a second home mortgage, DSCR loan or bridge loan depends on how you plan to use the property.
Choose a Second Home Mortgage If:
- You plan to use the property primarily for personal stays
- You want a vacation home or family residence
- You can document qualifying income or assets
- You are purchasing for lifestyle, future relocation or retirement planning
Choose a DSCR Loan If:
- The property will primarily generate rental income
- You want to qualify based on property cash flow
- You prefer not to use personal income documentation
- You are building or expanding a U.S. real estate portfolio
Choose a Bridge Loan If:
- You want to move quickly on a property
- Your documentation is complex
- You plan to refinance later
- You want short-term financing while preparing a long-term mortgage strategy
You may qualify
You may be more qualified than you think
Many international borrowers are told “no” by traditional banks because their financial profile falls outside conventional lending standards. The reality is that specialized mortgage programs by America Mortgages may be available for borrowers who:
- Live outside the United States
- Earn income abroad
- Do not have a U.S. credit score
- Hold assets in international accounts
- Are purchasing through an LLC
Beyond the mortgage
Support beyond the financing
Buying a second home in the United States often requires more than financing. Through our trusted network of partners, America Mortgages can help connect clients with support for:
- Currency transfer
- LLC formation
- U.S. tax advisory
- Insurance
- Property management
- Realtor matching
Ready to Finance Your U.S. Second Home?
Whether you're purchasing a vacation property, planning for retirement, or creating a home base for future travel, our specialists can help you identify the right financing solution.
Why speak with our team?
- Understand which structure fits your intended use
- Foreign income and global assets considered
- No U.S. credit required in many programs
- A fully remote process — from pre-qualification to closing
FAQ
Frequently asked questions
Can Foreign Nationals buy a second home in the United States?
Yes. Foreign Nationals can legally purchase property in the United States without being U.S. citizens or residents. Financing is also available through specialized mortgage programs designed for non-resident borrowers.
Can U.S. Expats use foreign income to qualify for a second home mortgage?
Yes. Eligible U.S. Expats are able to qualify using foreign income, international employment documentation, global assets and bank statements, depending on the loan program and underwriting guidelines.
Do I need a U.S. credit score to buy a second home?
No. Many of our second home mortgage programs do not require an established U.S. credit history. Qualified borrowers can use international credit reports, banking references or alternative credit documentation to satisfy underwriting requirements.
Can I rent out my second home when I am not using it?
It depends on the loan structure, property use, local regulations and lender guidelines. If the property will primarily be used for rental income, a DSCR loan may be a better fit than a traditional second home mortgage.
What is the difference between a second home mortgage and a DSCR loan?
A second home mortgage is typically for a property used personally for part of the year. A DSCR loan is designed for investment properties and usually qualifies based on the property's rental income potential rather than personal income.
Can I complete the mortgage process from overseas?
Yes. America Mortgages helps international borrowers manage the mortgage process remotely, from initial consultation and pre-qualification to documentation, lender coordination and closing support.
Reviewed 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 over two 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.