Get Your Down Payment and Closing Funds to the U.S. by Closing Day
Cash to close has to land in a U.S. account on a fixed date. America Mortgages does not move your money. We coordinate the timing with your loan and closing, introduce a regulated foreign-exchange provider, and tell you what documents your lender needs.
Your loan officer works the transfer back from your funding date. A licensed third-party provider converts and sends the money.
Why Timing and Paperwork Matter More Than the Transfer Itself
Closing is a fixed calendar date, but moving a large sum internationally rarely is. A wire can take days to clear compliance checks, and if it lands late, it can put your funding date, and your purchase, at risk.
There's a currency side to this too. Your purchase price is fixed in dollars, but what it actually costs you isn't fixed at all. Between your accepted offer and your funding date, the exchange rate moves, and on a six-figure purchase that drift adds up to real money.
Then there's the paperwork. U.S. lenders and title companies need to see exactly where your funds came from before they'll release anything at closing. A transfer that shows up without a clear trail, even if the money itself is fine, is one of the most common reasons a closing gets delayed at the last minute.
What America Mortgages Arranges
We coordinate the timing. Your loan officer works out how much to move and when, so your cash to close lands on your funding date. We also introduce you to a regulated third-party foreign-exchange and payments provider, who converts and sends the money. And we brief you on source of funds, telling you which statements and paperwork your lender and title company will need, so documentation never holds up closing.
What America Mortgages never does
America Mortgages is a mortgage lender and broker. It does not transmit, hold, convert or receive funds, is not a money services business, and does not provide currency or hedging advice. Currency conversion and international payments are provided by regulated third-party providers under their own terms and licensing.
Your Path From Offer to Funded Escrow
Plan with your loan officer
Map out how much to move and when, against your closing date.
Get introduced and set up
America Mortgages introduces a regulated foreign-exchange and payments provider. You open your account with them and prepare the source-of-funds documents America Mortgages asks for.
The provider converts and sends
The provider pays U.S. dollars into U.S. escrow on the agreed date. America Mortgages does not touch the funds.
Fund and close
The funds are in place for closing and your purchase stays on schedule.
What to Know Before You Move the Money
- Start from the closing date
- Account opening, verification and anti-money-laundering review all take days, and a wire sent after a daily cut-off, at a weekend or on a U.S. holiday waits for the next business day. Everything works back from the funding date.
- Source of funds is what derails closings
- U.S. lenders and title companies must verify where your funds came from. Underwriters generally want funds seasoned in a verifiable account for roughly 30 to 60 days, plus paperwork for any large deposit. America Mortgages tells you what your file needs before you move anything.
- Bank wire or currency specialist
- A bank wire needs no new account but usually builds a markup into the rate, adds a flat fee, and can be held. A specialist adds an account-opening step and generally gives a tighter rate and clearer fees.
- Why large wires get held
- Banks run anti-money-laundering and know-your-customer checks, banks set their own limits, and payments hop through correspondent banks. Reviews commonly take around 5 to 10 business days. Transfers at or above $10,000 are federally reportable, which is routine.
- The rate moves between offer and closing
- Providers offer tools such as a forward contract or a limit order. Those are the provider's products. America Mortgages does not advise on them and does not set or guarantee rates. Model the payment impact with the Foreign Currency Mortgage Calculator.
- Compare on the all-in number
- Most of the cost hides in the spread, not the fee. Ask each route what total U.S. dollar amount lands in escrow for the same home-currency amount on the same day. Industry figures put bank markups at roughly 2 to 4 percent or more over the mid-market rate, against well under 1 percent for specialists.
Model the payment impact of a moving exchange rate with our Foreign Currency Mortgage Calculator. For the financing, see U.S. mortgages for foreign nationals, and for where the source-of-funds paperwork sits in the sequence, see how the loan process works.
A Lender Built for Foreign Nationals and U.S. Expats
America Mortgages is the party already at the table at the mortgage moment. What we can genuinely offer is coordinating when the transfer needs to happen against your loan and closing calendar, and telling you what source-of-funds paper trail your U.S. lender needs. Both are things we do anyway, and neither requires us to touch, price or move your money.
97% approval, more than $1 billion funded to date, clients of 57 nationalities, and access to 150+ U.S. lender programs.
- approval rate
- 97%approval rate
- funded
- $1B+funded
- nationalities financed
- 57nationalities financed
- lender programs
- 150+lender programs
NMLS 2810389 (America Mortgages Nationwide).
Common Questions About Moving Funds to the U.S.
Talk to an America Mortgages specialist about your transfer timing and source-of-funds documents, across our full range of programs.
Plan my funding timelineDoes America Mortgages transfer, hold or exchange my money?
When should I start arranging the transfer?
What documents prove where my down payment came from?
Should I wire through my own bank or use a currency specialist?
How do I protect against the exchange rate moving before closing?
Why do large international wires get held?
America Mortgages, Inc. — NMLS 2810389 (America Mortgages Nationwide). Founded in 2019 and wholly owned by Global Mortgage Group Pte. Ltd. (Singapore). America Mortgages is a direct lender and super-broker. Its NMLS license does not permit it to sell insurance, broker property, move client money, or give tax, legal or investment advice. Every service described on this page is an introduction to an independent, separately licensed firm that contracts with you directly and performs the service itself. This page is general information and is not legal, tax or investment advice. All financing is subject to program eligibility, property, borrower profile, underwriting and prevailing market conditions, and is confirmed in writing at pre-approval.