Your international clients, financed. Your business, growing.
America Mortgages is the only U.S. lender focused exclusively on foreign nationals and U.S. expats — so realtors, brokers, affiliates and advisors can finally serve the overseas clients other lenders turn away, and earn from every deal.
Why advisors partner with us
- to join
- Free
- U.S. states
- 50
- nationalities financed
- 57
- lender programs
- 150+
One introduction, one application — your client keeps their capital invested while we arrange U.S. financing on the strength of the asset, not a U.S. credit file.
International buyers are a $56B market most lenders can't serve
Foreign buyers purchased $56 billion of U.S. homes in the year to March 2025 — 78,100 properties, up 44%. Yet 47% paid all cash, largely because they couldn't get financing. When you can offer them a loan, you win the client others lose. (Source: NAR.)
- $56B
- of U.S. homes bought by foreign buyers
- 78,100
- properties purchased, up 44%
- 47%
- paid all cash — many because they couldn't finance
- 150+
- U.S. lender programs behind one application
Market figures: National Association of REALTORS®, year to March 2025. America Mortgages, Inc. — NMLS 2810389 (America Mortgages Nationwide), a U.S. direct lender and leading broker for U.S. expats and foreign nationals, wholly owned by Global Mortgage Group Pte. Ltd. (Singapore). Program availability, terms and partner earnings vary by borrower profile, property and jurisdiction.
Four ways to work with America Mortgages
Every track is free to join, and each one routes to the specialists who handle it. Pick the one that describes you.
Stop losing international buyers at the financing step
An overseas buyer falls in love with a property, then can't get a U.S. mortgage — the deal dies and you lose the client.
We finance foreign nationals and U.S. expats on their global profile, so the deals other agents lose actually close — and you keep the client and the commission.
- No U.S. credit history or U.S. tax returns on most programs
- We match you with pre-approved international buyers at no cost
- 100% U.S.-based underwriting, lending in all 50 states
- Your client can sign closing documents in their home country
Offer the non-resident products you can't underwrite in-house
Your client needs a foreign-national or DSCR loan, and placing it means handing the relationship to someone else.
Access 150+ U.S. lender programs and specialist non-resident underwriting on a wholesale basis — widen what you can place without giving up the client.
- Foreign-national, expat, DSCR, portfolio and bridge programs
- Specialist underwriting for borrowers with no U.S. footprint
- One application routed across the lender panel
- You stay the broker of record
Turn a real-estate audience into recurring referral income
You've built an engaged property audience and currently earn nothing from it.
Earn a fee per submitted application plus a share of the loan amount on closed deals, with recurring referral income. Terms are confirmed at onboarding.
- Paid per submitted application — before anything closes
- A share of the loan amount when a referral funds
- Recurring referral income, not a one-off bounty
- Referral links — no license needed to participate
Add cross-border U.S. financing to what you already offer
Your globally-mobile clients ask about U.S. property, and you have no financing answer for them.
Wealth managers, immigration and relocation firms, expat-services providers, tax advisers and developers refer through the AM Global Partnership Program — one relationship, in your timezone.
- A financing answer for clients buying U.S. property from abroad
- Referral income through the AM Global Partnership Program
- Specialists in Singapore, Hong Kong and the U.S.
- Your client relationship stays yours
A lender your international clients can actually use
Everything below is what partners tell us matters: whether the deal closes, whether they keep the client, and whether they get paid.
The specialist, not a side desk
U.S. expats & foreign nationals are our entire business, not an exception a generalist lender makes room for. That focus is why deals that stall elsewhere complete here.
Deals that would die, close
No U.S. credit history, U.S. tax returns or U.S. residency required on most programs — with 150+ lender programs across all 50 states behind a single application.
No cost to join
Registration is free across every partner track. You earn from referrals and closings; you never pay to participate.
Paid on what you refer
Affiliates earn a fee per application plus a share of the loan on closed deals, recurring. Agents and brokers keep their client and their commission.
100% U.S.-based underwriting
Every loan is underwritten to U.S. standards. America Mortgages, Inc. is a direct lender and super-broker, NMLS 2810389 (America Mortgages Nationwide), wholly owned by Global Mortgage Group Pte. Ltd. (Singapore).
One contact, your timezone
Loan officers based outside the U.S. mean your client is served in their own time zone and language — and you get answers without waiting for New York to wake up.
From sign-up to paid, in four steps
No cost to join, and no change to how you work with your client.
Apply to partner
Pick your track — agent or broker, mortgage broker, affiliate, or advisor. It's free and takes a few minutes.
Refer, or get matched
Send us a client, or — for agents — get matched with pre-approved international buyers already looking in your market.
We finance them
We match the borrower across 150+ programs and underwrite to U.S. standards in all 50 states. You stay in the loop throughout.
You get paid, or you close
Referral income lands for affiliates and advisors; agents and brokers close the deal and keep the client relationship.
What partners ask first
Does it cost anything to become an America Mortgages partner?
What can you finance for my clients?
Which countries and states do you cover?
Do I keep my client relationship?
Why should a realtor partner with America Mortgages?
How do your loan officers support my international clients?
Tell us which track fits you
One form for every partner type. Pick what describes you and a partnerships specialist routes you to the right program.
- Free to join — you earn, you don't pay
- Your client relationship stays yours
- Lending in all 50 states, clients of 57 nationalities
- Direct lender and super-broker, NMLS 2810389 (America Mortgages Nationwide)
Become an America Mortgages partner
A few details and we'll route you to the right program.
Get your international clients financed
Free to join, across every partner track. Direct lender and super-broker, NMLS 2810389 (America Mortgages Nationwide).