Specialized International Lending Expertise
Our team focuses exclusively on Foreign Nationals and U.S. Expats purchasing property in the United States — this is all we do.
Purchase U.S. Real Estate
Purchase U.S. Real Estate With Specialized Mortgage Solutions
Whether you're a Foreign National, U.S. Expat, international investor, or second-home buyer, America Mortgages helps qualified borrowers finance U.S. real estate through specialized mortgage solutions designed for global financial profiles.
Reviewed by Robert Chadwick, CEO | Co-Founder, America MortgagesUpdated 6 July 2026
42+ five-star reviewsBuyers of 57 nationalities finance U.S. property with America Mortgages — a specialist, not a call center.
Why international buyers trust America Mortgages
- approval rate
- 97%approval rate
- funded
- $1B+funded
- nationalities financed
- 57nationalities financed
- mortgage programs
- 150+mortgage programs
Buying U.S. Property From Overseas Doesn't Have to Be Complicated
You can buy and finance U.S. real estate while living abroad — as a foreign national or a U.S. expat — without U.S. citizenship or residency.
Purchasing real estate in the United States while living abroad often involves unique financing challenges. Traditional lenders may struggle with foreign income, international assets, overseas residency, or non-U.S. credit histories.
America Mortgages specializes exclusively in helping Foreign Nationals and U.S. Expats navigate the U.S. mortgage process through financing solutions designed for international borrowers — qualifying you on foreign income or the property's rental income, with no U.S. credit history required on most programs.
Financing solutions
Find the right financing solution
Whether you're purchasing your first U.S. property, financing a vacation home, or expanding a real estate portfolio, America Mortgages offers access to specialized mortgage solutions tailored to international borrowers.
Foreign National Mortgage Loans
Mortgage solutions for non-U.S. citizens purchasing investment properties, vacation homes, second homes, and residential real estate in the United States.
Learn moreU.S. Expat Mortgage Loans
Financing for U.S. citizens living abroad who want to purchase, refinance, or invest in U.S. real estate using foreign income and global assets.
Learn moreSecond Home Mortgages
Purchase a vacation home, retirement property, or seasonal residence in the United States while living overseas.
Learn moreDSCR Loans
Qualify based on a property's rental income potential rather than traditional personal income documentation.
Learn moreWhat you can buy
Who we help & what you can purchase
Who We Help
- Real Estate Investors
- U.S. Expats Living Abroad
- Foreign Nationals
- Second-Home & Vacation Buyers
- Business Owners & Entrepreneurs
- LLC & Corporate Investors
What You Can Purchase
- Investment Properties
- Vacation Homes
- Second Homes
- Primary Residences
- Multifamily Properties
- Rental Properties
- Short-Term Rental Properties
- Residential Investment Properties
The America Mortgages advantage
Why international buyers choose America Mortgages
Foreign nationals and U.S. expats often find that traditional lenders are not equipped to handle the complexities of international borrowers. America Mortgages was built specifically to help global buyers access U.S. real estate financing through solutions designed for cross-border financial profiles.
60-second check
Can I qualify to buy U.S. property?
Answer four quick questions to see whether a U.S. purchase mortgage fits your profile — no personal details, no credit pull, no obligation.
Eligibility check
Question 1 of 6
Question 1 of 6. Which best describes you?
Which best describes you?
You do not need U.S. citizenship or residency to buy U.S. property.
Rates & terms
Indicative loan-to-value, amounts and terms
These ranges are what our purchase programs typically offer. They are indicative only — your exact rate, LTV and terms are confirmed in writing at pre-approval.
| Program | Max LTV | Loan amount | Terms |
|---|---|---|---|
| Full-documentation purchase | Up to 75% | $150k – $5M | 5 / 10 / 30-yr |
| DSCR — investment purchase | Up to 75% | $150k – $5M | 5 / 10 / 30-yr |
| Asset-based purchase | Up to 70% | $150k – $5M | 5 / 10 / 30-yr |
| Bridge purchase (fast close) | Up to 70% | $150k – $5M | Short-term |
As of 6 July 2026
Indicative ranges only, not an offer of credit. Actual rates, LTV and terms depend on the program, property, borrower profile and prevailing market conditions, and are confirmed in writing at pre-approval.
Estimate
Model your monthly payment
Drag the sliders to see an indicative payment. You enter the rate — we don't quote one here; your real rate comes at pre-approval.
Property price$750,000
Down payment25% · $187,500
Max LTV is 75% (min 25% down).
%
Estimated monthly payment
$3,742
per month · principal & interest only
- Loan amount
- $562,500
- Down payment
- $187,500
Illustration only. You enter the rate — America Mortgages does not quote a rate here. Your actual rate, LTV and payment are confirmed in writing at pre-approval. Excludes taxes, insurance and fees.
How it works
How the property purchase process works
- 1
Speak With a Mortgage Specialist
Discuss your property goals, borrower profile, residency status, and financing needs with an experienced mortgage professional who will explain the solutions available for your situation.
- 2
Review Financing Options
Our team evaluates your financial profile, property objectives, income sources, and documentation to identify the programs that best align with your goals, and explains qualification requirements.
- 3
Get Pre-Qualified
Receive an initial assessment of your purchasing power, estimated loan amount, and down-payment requirements — so you can shop with confidence.
- 4
Submit Documentation
Provide the required borrower and property information — identification, income or asset verification, bank statements, and purchase-contract details. Requirements vary by profile and program.
- 5
Underwriting & Property Review
The lender reviews your application, supporting documentation, and property details — including appraisal, title review, and any conditions required to satisfy underwriting guidelines.
- 6
Close on Your U.S. Property
Once all conditions are satisfied, you complete the closing — signing remotely at a local notary or embassy — and finalize your mortgage, then move forward with your purchase.
Ready to Purchase U.S. Real Estate?
Whether you're buying your first U.S. investment property, purchasing a vacation home, or expanding a real estate portfolio, our specialists can help identify the right financing solution for your goals and borrower profile.
Why speak with our team?
- Understand your financing options before you apply
- Learn which programs may fit your situation
- Get guidance on documentation requirements
- Receive support from pre-qualification through closing
Social proof
What clients say
Real reviews from foreign nationals and U.S. expats who financed U.S. property with America Mortgages.
42+ verified 5-star Google reviews
Rated “Excellent” by U.S. expats & foreign nationals worldwideI am very lucky to have found America Mortgages to help me with my project living abroad, and I am particularly amazed by the engagement of Hanah, who has been following every step of my case since Day 1. She was extremely helpful every time we encountered a bump in the road — always thinking of solutions, thinking out of the box, and keeping me motivated. My deepest gratitude goes to Hanah.
America Mortgages was fantastic to work with as an American expat. I needed to refinance my condo in DC but living overseas. For most lenders I was denied because my income was foreign. I worked closely with Nick and was able to refinance with a lower payment — the entire process was seamless and took less than 6 weeks. More than a 5★ experience.
Nick is absolutely wonderful. I'm a Canadian purchasing a house in Tampa, Florida and he made the process smooth and easy!! Thank you Nick!!
Pleasure to work with. Very clear from Day 1 as to what they could achieve. Didn't promise anything that they couldn't fulfill.
As both a lawyer and an individual I've been involved in many complex real estate transactions in Canada and the US. Of all the professionals I've worked with, Roberto Johnson of America Mortgages is without a doubt the absolute best. Where others said no, he said yes — and came up with truly creative solutions. An absolute game-changer. We couldn't have done it without him!
We had a quick closing date, were in a sticky situation and needed a foreign mortgage in record time. The team went above and beyond, put us in direct contact with the lender, worked at lightning speed and kept us in the loop the whole way. Thank you for getting us into our new home!
As someone who owns real estate in two different countries I expected the USA process to be much easier. A bank and another company couldn't approve my mortgage. I found America Mortgages online at the airport between flights — thank God! Even easier than getting a mortgage for my own home in London. 5 stars for service and flawless execution!
Joe Aaron has been an exceptional help during this process! As Canadians, we were told by other brokers they were unable to get a mortgage for our grandparents' home. Thankfully, Joe was able to assist us and allow us to keep it! Thank you so much for your guidance and help!
FAQ
Frequently asked questions
Can Foreign Nationals buy property in the United States?
Yes. Foreign Nationals can legally purchase and own real estate in the United States without U.S. citizenship or permanent residency. Specialized mortgage solutions are available for eligible international buyers purchasing investment properties, vacation homes, second homes, and residential real estate.
Can U.S. Expats qualify using foreign income?
Yes. Eligible U.S. citizens living abroad can qualify using foreign employment income, international banking relationships, and global assets, subject to underwriting guidelines and program requirements.
Do I need a U.S. credit score?
No. Many mortgage programs offered through America Mortgages are designed for borrowers without an established U.S. credit history. Qualified applicants may use international credit reports, banking references, or alternative credit documentation.
Can I purchase through an LLC?
Yes. Eligible borrowers may purchase or refinance investment properties through an LLC using specialized financing solutions designed for real estate investors and international buyers.
What types of properties can be financed?
Financing may be available for investment properties, vacation homes, second homes, primary residences, condominiums, multifamily properties, rental properties, and certain short-term rental investments, depending on the loan program.
How long does the mortgage process take?
Timelines vary based on the loan program, borrower profile, property type, and documentation requirements. Once all required information is submitted, many transactions can close within a few weeks, although more complex international borrower scenarios may require additional time.
How much down payment do I need, and how much can I borrow?
Plan for a 25–30% down payment — maximum loan-to-value on a purchase is up to 75%. Loans run from $150,000 to $5,000,000. Exact leverage depends on the program, the property type and your borrower profile, and is confirmed in writing at pre-approval.
Which U.S. states and buyer countries do you cover?
We lend in all 50 U.S. states, with Florida, California, Texas, New York and Arizona the most popular purchase destinations for our clients. Our buyers span 57 nationalities — most often China, Canada, Mexico, India and the U.K.
Learning Lab
Expert Insights for International Property Buyers
Access educational content, market insights, financing strategies, and mortgage guidance designed specifically for foreign nationals and U.S. expats buying U.S. real estate.
Whether you're purchasing your first U.S. property, exploring financing options, or expanding an international real estate portfolio, our resources can help you make more informed decisions.
Guide
How to buy U.S. property from overseas
The full path from pre-qualification to a remote closing — what to expect and how to prepare.
Read moreStrategyDSCR loans explained for international investors
Qualify on a property's rental income instead of personal income — and how it powers a rental purchase.
Read moreMarketWhere international buyers are purchasing U.S. real estate
The states and property types drawing the most international purchase activity, and why.
Read moreReviewed for accuracy
Reviewed by Robert Chadwick
CEO | Co-Founder, America Mortgages
Robert Chadwick is Co-Founder and CEO of America Mortgages and Co-Founder of its Singapore-based parent, Global Mortgage Group. He has over 25 years in financial services and mortgage lending, including wholesale lending leadership at Fremont Bank and Morgan Stanley's Saxon Capital.
Written by the America Mortgages Editorial Team · Last updated 6 July 2026
Explore more
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America Mortgages, Inc. — NMLS 2810389 (America Mortgages Nationwide). Founded in 2019 and wholly owned by Global Mortgage Group Pte. Ltd. (Singapore); our team brings decades of combined U.S. and cross-border lending experience. A direct lender and leading mortgage broker for foreign nationals and U.S. expats. Loan amounts, LTV and terms shown on this page are indicative only, as of 6 July 2026, and are not an offer or commitment to lend. Any payment shown by the estimator is an illustration based on a rate you entered — not a rate quoted by America Mortgages. All financing is subject to program eligibility, property, borrower profile, underwriting and prevailing market conditions, and is confirmed in writing at pre-approval.