U.S. mortgage loan programs for foreign nationals and expats
In short: every America Mortgages loan program in one place. Qualify on rental income, foreign income or your liquid portfolio — no U.S. credit required — across 150+ lender programs and all 50 states. Open any program for the full terms, LTV bands and fees.
- NMLS · America Mortgages Nationwide
- 2810389
- lender programs
- 150+
- U.S. states
- 50
- U.S. credit required
- No
Browse the programs
Each program page lists who it's for, the loan sizes and LTV, the terms and the published fees — grounded in the program's own sheet.
AM Premier+ Loan Program
Qualifies U.S. citizens and foreign nationals on the property's cash flow alone — no U.S. credit, residency or personal income. Up to 80% LTV, $100k–$3M, 30-year terms.
View programRental-income qualifiedAM Rental Coverage + Loan Program
A U.S. investment-property loan that qualifies only on the property's projected rental income — $150k–$3M, up to 75% LTV, 1:1 rental coverage.
View programFor brokers & partnersWholesale Rental Coverage + Loan Program
The partner-channel version of AM Rental Coverage+, funded by America Mortgages Wholesale — $100k–$1.5M, up to 75% LTV, rental-income qualified.
View programStudent housingAM Student+ Loan Program
For parents buying a U.S. property for a child at school — qualifies on the property's rental income even with the child living in it, up to 75% LTV.
View programForeign nationalsForeign National Loan Programs
The Foreign National Loan Handbook — seven programs for non-U.S. citizens, from $150k residential at up to 75% LTV to $100M commercial, portfolio and bridging.
View programU.S. expatsU.S. Expat Loan Programs
The Expat Loan Handbook — seven programs for Americans abroad, up to 80% LTV with no W-2 and up to 85% LTV qualifying on rental income alone.
View program$3M–$100MHigh Net Worth Loan Programs
AM High Net Worth+ — qualify on your unencumbered liquid portfolio instead of income or U.S. credit. $3M–$100M, up to 60% LTV, all 50 states.
View programMost popularTop 3 Loan Programs
A deck of America Mortgages' three most-used programs — AM Express+, AM Investor+ and AM HNW+ — with how we work on your behalf.
View programNot sure which program fits? Compare them side by side in the loan-type index, download the loan handbook, or model the numbers with our mortgage calculators. America Mortgages, Inc. is licensed under NMLS 2810389 (America Mortgages Nationwide).