Foreign National Loan Programs
The America Mortgages Foreign National Loan Handbook profiles seven U.S. loan programs for non-U.S. citizens: AM Foreign National Investor+, AM Foreign National Cash Flow+, AM Student+, AM Commercial+, AM Portfolio+, AM High Net Worth+ and AM Bridging+. For each program it lists who it's for, key features, maximum LTV, loan amounts, terms, qualifying requirements and published fees — from $150,000 residential loans at up to 75% LTV to $100M commercial, portfolio and bridging facilities. No U.S. credit is required across the programs, closing documents can be signed outside the U.S., and typical closings run 30–45 days (10–14 days on Bridging+).
Prefer to read offline? Use the Download button above — the file is a 11-page PDF (10.9 MB).
Seven programs, one handbook
Each program page answers the same four questions — who it's for, the key features, the loan terms, and the costs. Figures below are as published in the handbook.
- AM Foreign National Investor+ — qualify on income (foreign tax returns OR an income letter from your accountant or employer); $150K–$3M, up to 75% LTV, conditional approval in 72 hours
- AM Foreign National Cash Flow+ — qualify using ONLY the property's rental income (1:1 ratio), no personal income tax returns; $150K–$3M, up to 75% LTV
- AM Student+ — parents buying property for children attending school in the U.S.; qualifies on U.S. and/or foreign income; up to 75% LTV
- AM Commercial+ ($1M–$100M, up to 75% LTV, non-recourse available) and AM Portfolio+ ($250K–$100M, one loan cross-collateralized over 4+ properties)
- AM High Net Worth+ — $3M–$100M at up to 60% LTV, qualified on your liquid portfolio with no encumbrance — and AM Bridging+, closing in 10–14 days on appraised value alone
- Common threads: no U.S. credit required, all 50 states, sign closing documents outside the U.S., 30-year fixed and 10-year interest-only structures, 2% origination success fee
- NMLS · America Mortgages Nationwide
- 2810389
- lender programs
- 150+
- U.S. states
- 50
- U.S. credit required
- No
Related resources
Foreign national mortgages
The money page behind this handbook — eligibility, process and rates for non-U.S. citizens.
All loan programs
Browse every AM program with current positioning — investor, cash-flow, HNW, bridge and more.
How the loan process works
From discovery call to funding in 30–45 days — what happens at each step and what you'll need.
Talk to a specialist
Get matched to the right foreign-national program and a pre-approval. No obligation.
Find your foreign national program and get pre-approved
Send a few details and a U.S. mortgage specialist will match you to the right program from the handbook — using your home-country credit and income.