When New York’s most valuable real estate demands fast, discreet capital — and conventional banks cannot deliver — America Mortgages and Global Mortgage Group close the deal from the financial capital of Asia.
- 10 — Days to fund — NYC $25M deal
- $75M+ — Single-deal capacity
- 0 — US documents required for foreign nationals
- 24hrs — Term sheet turnaround
Introduction
New York City is the world’s most iconic real estate market — a global stage where a Manhattan penthouse, a Brooklyn brownstone portfolio, or a Hamptons compound can command prices that few domestic financing solutions are equipped to handle, especially for the international investors, US expats, and ultra-high-net-worth individuals who hold significant positions in New York property.
The paradox that defines New York’s luxury real estate market is well known: the buyers with the most substantial wealth profiles — foreign nationals, globally mobile entrepreneurs, Asian and Middle Eastern family offices — are precisely the clients that US banks are structurally least equipped to serve. No Social Security Number. Income structured through overseas holding companies. Wealth held in trust structures spanning multiple jurisdictions. Conventional banks decline. Timelines collapse. Deals are lost.
America Mortgages and Global Mortgage Group (GMG) exist to solve this paradox — and New York City is one of the markets where our global capital model delivers the most decisive competitive advantage.
Why New York Real Estate Bridge Loans Require a Global Lender
The scale and complexity of New York’s top-tier real estate transactions cannot be adequately served by single-source domestic lenders.
A $40 million Manhattan penthouse purchase. A $15 million Hamptons estate requiring fast equity release. A $25 million cross-coast bridge loan across Manhattan and Beverly Hills — funded in 10 days for a UAE-based UHNW investor whose portfolio spanned three continents and was held through a Jersey, Channel Islands trust structure.
These transactions require a lender that is simultaneously connected to Asian institutional capital, European private banking networks, and US debt fund relationships. They require a lender with no single-committee bottleneck, no domestic regulatory constraints on foreign-source income, and no cultural or structural bias against internationally structured wealth.
That is precisely what America Mortgages and GMG deliver — from our headquarters in Singapore, the financial capital of Asia, where direct relationships with family offices, sovereign wealth structures, private banks, and institutional capital are embedded in our operating DNA.
When certainty, speed, and execution are non-negotiable — especially for HNW foreign national investors and international buyers — our team delivers outcomes that traditional banks and conventional mortgage lenders simply cannot match. We offered our client not only flexible bridge financing tailored to his specific liquidity constraints, but precision and velocity. That combination is what defines Global Mortgage Group. Global wealth requires global solutions.
— Robert Chadwick, CEO, America Mortgages & Global Mortgage Group
The Singapore Capital Advantage: How It Works in New York
Every dollar of capital deployed in a New York bridge loan by America Mortgages is structured through GMG’s multi-source global capital model.
When a client in Hong Kong, Singapore, Dubai, or London requires a New York bridge loan, GMG is already embedded in their financial world — through their private bankers, through their family office advisors, through the institutional relationships that define Singapore’s position as the wealth management capital of Asia.
This means that a $50 million New York bridge loan does not require a single domestic lender to bear the full risk. It is structured across multiple capital sources — Asian, European, and American — simultaneously. The client receives a more competitive rate, a higher LTV option, and execution certainty that no single-source lender can offer at this scale.
The result is what our case studies prove: a 10-day closing for a $25 million cross-coast UHNW bridge loan. A same-day term sheet for a $40 million Manhattan commercial bridge. An interest-only structure with no monthly payments for an Indonesian family office holding Manhattan real estate as a foreign investment asset.
Case Study
New York + Los Angeles · 2025
$25M Simultaneous Bridge Financing — UAE Investor, Manhattan Penthouse & Beverly Hills Estate
A UAE-based UHNW investor held a Manhattan penthouse and a Beverly Hills estate — both tenanted by a Hollywood A-lister — and required simultaneous bridge financing totalling $25 million.
The complexity was exceptional: four time zones, three continents, trust structures administered through a Jersey, Channel Islands entity, and three independent mortgage brokers in London and Dubai who had each independently referred the deal to America Mortgages having been unable to place it elsewhere.
The deal was funded in 10 days.
As CEO Robert Chadwick noted:
“When we see the same high-profile deal referred through several brokers, it normally means it’s a more challenging deal, which we do not shy away from.”
Key Details
- $25,000,000 — Total Loan Amount
- 2 Properties — Cross-Coastal
- 10 Days — Time to Close
- 3 Referrers — London & Dubai brokers — all declined elsewhere
New York Bridge Loans vs. Conventional Options
| Criteria | America Mortgages / GMG | US Bank / Conventional | Domestic Hard Money |
| Foreign nationals accepted | ✓ Speciality | ✗ Rarely | ✗ Rarely |
| US SSN required | ✓ Not required | ✗ Always | ✗ Usually |
| US tax returns required | ✓ Not required | ✗ 2–3 years | ✗ Often required |
| Close timeline | ✓ 8–14 business days | ✗ 45–90 days | 14–30 days |
| Max loan size | ✓ No limit (75M+ funded) | Varies | ✗ Typically $10M–20M |
| Capital source | ✓ Global multi-source | Single institution | ✗ Single domestic fund |
| Cross-border wealth accepted | ✓ Specialist expertise | ✗ Very limited | ✗ Limited |
| Trust/offshore structures | ✓ Routinely handled | ✗ Declined | ✗ Usually declined |
NYC Property Types: What We Finance
America Mortgages and GMG fund bridge loans across the full spectrum of New York real estate, including properties and deal profiles that conventional lenders categorically decline:
Manhattan Luxury Penthouses & High-Rise Residences
Park Avenue, Fifth Avenue, Central Park South, Hudson Yards, Tribeca, and all premium Manhattan addresses. Vacant units, tenanted properties, and trophy assets. Foreign national and US expat buyers and refinancers. No SSN required.
Brooklyn Townhouses, Brownstones & Portfolio Properties
Bridge financing for Brooklyn Heights, Park Slope, DUMBO, and Williamsburg high-value residential assets. Multi-property portfolio bridge loans for investors holding multiple Brooklyn properties.
The Hamptons Luxury Estate Financing
Fast equity release and acquisition bridge loans for the Hamptons, Montauk, Shelter Island, and North Fork. Seasonal and year-round luxury estate bridge financing for international owners and wealthy US buyers requiring speed conventional lenders cannot provide.
New York Commercial & Mixed-Use Bridge Loans
Commercial real estate, office, retail, hospitality, and mixed-use assets across all five boroughs. Development site acquisition bridge loans. Pre-construction and ground-up development bridge financing.
New York Multifamily & Investment Property Bridge Loans
Apartment buildings, multifamily assets, and income-producing investment properties. Fast closings for time-sensitive acquisitions and equity release transactions.
Who We Serve in New York
Foreign Nationals Investing in NYC Real Estate
Chinese, Singaporean, Hong Kong, UAE, Indian, European, and global investors who own or are acquiring New York real estate. No US documentation required. Underwriting based entirely on asset value. Our Singapore headquarters means we are already embedded in the financial infrastructure these clients rely on — their private banks, their family offices, their wealth advisors.
US Expats Holding New York Real Estate
American citizens living abroad in Singapore, Hong Kong, London, Dubai, or anywhere globally who hold New York real estate and require access to capital without returning to the US or satisfying domestic income verification requirements.
UHNW Individuals & Family Offices
Ultra-high-net-worth individuals and family offices whose wealth is held in corporate structures, business interests, or diversified asset portfolios rather than conventionally documentable salaried income. These clients face the paradox that the greater their wealth, the more complex their income structure — and the more likely they are to be declined by a conventional US bank. America Mortgages was built to serve this profile specifically.
Frequently Asked Questions: NYC Bridge Loans
Q1: Can I get a bridge loan on a Manhattan property without a US Social Security Number?
A: Yes. This is our core capability. Foreign nationals and non-residents do not require a US SSN, US credit history, or US tax returns. We underwrite entirely on the property value and exit strategy.
Q2: How fast can a New York bridge loan close?
A: We have closed NYC bridge loans in 10 business days. Our typical timeline is 10–14 business days for qualifying transactions. This speed is possible because our Singapore headquarters provides simultaneous access to multiple global capital sources — eliminating the committee approval delays of domestic lenders.
Q3: Can you fund a bridge loan on a vacant New York property?
A: Yes. Vacant properties, second homes, corporate holdings, and non-income-producing New York real estate all qualify for bridge financing through America Mortgages. We have specifically funded transactions on properties held as vacant second homes and corporate retreats where conventional financing was unavailable.
Q4: Do you finance commercial real estate bridge loans in New York?
A: Yes. America Mortgages funds bridge loans on commercial real estate, office buildings, retail, hospitality, mixed-use assets, and development sites across New York City and New York State.
Q5: What is the minimum loan amount for a NYC bridge loan?
A: $1,000,000 minimum. There is no stated maximum — we have structured and funded transactions at the $25 million level in New York with capacity for significantly larger deals through our global capital network.
Get NYC Bridge Loan Terms in 24 Hours
Speak directly with a specialist. No forms. No call centres. A private, confidential conversation with someone who has structured transactions at every level of the New York real estate market.
Robert Chadwick
US: +1-830-217-6608
SG: +65 8430-1541
[email protected]
