America Mortgages Case Studies
This 18-page deck walks through fifteen real America Mortgages financings in four chapters: foreign nationals, U.S. expats, refinance, and commercial, portfolio and bridge lending. Each case states the client situation, how we structured the loan, and the closed numbers — nationality, purpose, loan type, property value, loan amount, LTV, rate and term. Deals range from a US$105,000 Detroit rental for an Australian family to a US$5.6M New York bridge close for a Chinese buyer, across residential, commercial, portfolio and bridge structures. Rates and terms shown are historical to each closing date.
Prefer to read offline? Use the Download button above — the file is a 18-page PDF (1.2 MB).
Fifteen closings, four chapters
Every case follows the same format — the client, how we helped, and the closed numbers. Clients are identified by nationality and profession only; rates shown are historical to each deal.
- Foreign nationals: a Canadian investor's US$2.52M three-property California purchase at 60% LTV; a U.K. buyer's Philadelphia duplex at 75% LTV qualified on projected rent; an Australian family's Detroit rental closed in 40 days without leaving Australia
- Foreign nationals (continued): a Hong Kong buyer's Dallas purchase won with a pre-approval letter, and a Singapore company's US$3.35M non-recourse commercial purchase in Texas at 65% leverage
- U.S. expats: an executive in Manila releasing 80% equity from a Newark apartment; a professor in Singapore financing a US$3.4M New York apartment with no U.S. credit score; a designer in São Paulo closing a Miami second home at 80% LTV with no tax returns
- Refinance: a teacher in Singapore cutting her Tampa rate to 3.35%, and a retired couple releasing US$300,000+ from a Vail property qualified on rental income
- Commercial, portfolio & bridge: a San Jose retail complex at 60% non-recourse leverage; a US$5.6M NYC bridge close; a Houston hotel bridge purchase; and Atlanta / Chicago portfolio loans structured on rental income
- Every case card shows the same closed-deal data: nationality, purpose, loan type, property value, loan amount, LTV, rate and term
- NMLS · America Mortgages Nationwide
- 2810389
- lender programs
- 150+
- U.S. states
- 50
- U.S. credit required
- No
How to read these case studies
The rates, LTVs and terms shown in the deck are the actual figures from each closing at the time it happened — they are historical, not today's pricing. Clients are described by nationality and profession only. For current terms on the programs behind these deals, talk to a loan officer or see the related resources below.
Related resources
Corporate profile
Who America Mortgages is — services, lending desks, awards and milestones — in the companion PDF.
Foreign national mortgages
The programs behind the foreign-national cases — eligibility, LTVs and closing from abroad.
U.S. expat mortgage loans
The programs behind the expat cases — no W-2 required, foreign earned income allowed.
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See how your situation compares to a closed deal
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