You own valuable U.S. real estate. The American banking system was not built to serve you. America Mortgages, the only U.S. lender exclusively focused on foreign nationals and expats, was.
Foreign nationals can access U.S. real estate bridge loans without a Social Security Number, W-2 income, U.S. tax returns, or domestic credit history. America Mortgages, a wholly-owned subsidiary of Singapore-headquartered Global Mortgage Group (GMG), provides asset-based bridge financing exclusively for non-resident foreign nationals and U.S. expats, approved on the U.S. property’s value and LTV ratio. America Mortgages has a 97% approval rate and has funded over $480 million serving clients in 57 countries, with closings in as few as 8 business days.
Foreign nationals collectively own hundreds of billions of dollars in American real estate.
Manhattan condominiums. Beverly Hills estates. Miami waterfront properties. San Francisco tech corridor investments. These assets were purchased with international capital, held for years or decades, and have appreciated enormously.
And yet, when their owners want to release equity, bridge to a new acquisition, or access the capital their U.S. properties represent, the American banking system tells them no.
The reason is structural, not personal. U.S. banks are designed for domestic borrowers. They require SSN, W-2 income documentation, U.S. tax returns, and domestic credit history. For a Singapore family office, an Indonesian entrepreneur, a Hong Kong business family, or a UAE investor, this documentation simply does not exist in the required form.
This is the gap that America Mortgages was built to fill, as the only U.S. lender focused exclusively on non-resident foreign nationals and U.S. expats, backed by the global capital network of Global Mortgage Group (GMG), headquartered in Singapore.
- 57 – Countries of foreign national borrowers served
- 97% – Approval rate for qualified applications
- $480M+ – Funded by America Mortgages in a single year
- 150+ – U.S. lender and bank programs available
If you’re a foreign national or expat looking to access U.S. real estate financing, you can speak directly with our team at America Mortgages.
Why Foreign Nationals Cannot Use Conventional U.S. Banks
The obstacles are institutional , not individual. The U.S. mortgage underwriting system was built around domestic borrowers with predictable income documentation. Foreign nationals are excluded by design, not by intent.
- No Social Security Number: SSN is the foundational identifier for U.S. credit systems. Without it, most banks cannot process an application
- No U.S. credit history: Credit Bureau systems (Equifax, Experian, TransUnion) reflect domestic financial activity. Foreign nationals have no profile, not bad credit, no credit
- Foreign income structures: HKD income from a Hong Kong limited company, IDR business income from an Indonesian entity, SGD investment income, all legitimate and substantial, but not processable under standard U.S. underwriting frameworks
- Offshore entity as borrower: Most U.S. banks will not lend to a BVI company, a Cayman trust, or an offshore SPV, even if the underlying beneficial owner is creditworthy
- Timeline: U.S. bank mortgage approvals take 45–90 days. Competitive real estate markets do not operate on 90-day timelines
The America Mortgages Solution: Asset-Based, Globally Structured
America Mortgages replaces the income-first underwriting framework with an asset-first framework. The loan is approved on the U.S. property’s value, not the borrower’s documentation profile.
| REQUIREMENT | U.S. BANK | AMERICA MORTGAGES (ASSET-BASED) |
| Social Security Number | Required | Not required |
| W-2 / Tax returns | 2 years mandatory | Not required |
| U.S. credit history | Minimum 620 FICO | Not required |
| Foreign income | Rarely accepted | Fully accepted; all structures |
| Offshore entity borrower | Typically declined | Accommodated; GMG expertise |
| Approval timeline | 45–90 days | 24–48 hours indicative; 8–21 days close |
| U.S. bank account required | Often required | Not required |
| Minimum property value | Market dependent | $500,000 |
Country-Specific Profiles: How GMG Serves Global HNW Investors
SINGAPORE: Family Offices & HNW Investors
Singapore has the world’s highest concentration of family offices relative to GDP. GMG is headquartered in Singapore, providing in-person advisory, local market knowledge, and direct access for Singapore-based HNW U.S. property owners. Primary U.S. concentrations: Manhattan, Hawaii, San Francisco.
HONG KONG: Business Families & Investors
Hong Kong business families represent some of the deepest concentrations of U.S. property ownership globally, particularly in Manhattan (Tribeca, Upper East Side, Billionaires’ Row), Beverly Hills, and Pacific Heights SF. HKD income and HK company structures fully accommodated.
INDONESIA / SOUTHEAST ASIA: Business Leaders & Entrepreneurs
Indonesian, Malaysian, and Southeast Asian business leaders with Beverly Hills, Manhattan, and Miami holdings. Business income structures, often through Indonesian PT companies or Malaysian Bhd entities, are fully processed without U.S. documentation requirements.
MIDDLE EAST: Family Offices & Sovereign-Adjacent
UAE, Saudi, and regional GCC investors with Manhattan, Miami, and Los Angeles holdings. Complex ownership structures through holding companies and family office vehicles accommodated. Rapid-close capability for time-sensitive acquisitions.
Real Transactions: Foreign National Bridge Loans Closed by GMG
Singapore Family Office — Manhattan Equity Release
A Singapore-based family office held a $6.5M Manhattan condominium outright through an offshore SPV. They required $3M for a co-investment closing in 25 days. No U.S. income. No SSN. Standard bank: declined at the application stage. America Mortgages: closed a first-charge asset-based bridge in 18 business days. Interest-only. 18-month term.
Hong Kong Business Family — Beverly Hills Estate Refinance
A Hong Kong family held a $9M Beverly Hills estate purchased through a BVI company in 2011. The estate had appreciated significantly. They wanted to release $4M without selling. All income was HKD from a Hong Kong company, unqualifiable by U.S. banks. America Mortgages structured an asset-based facility at 44% LTV. Completed in 14 business days.
UAE Investor — Miami Waterfront Acquisition
A UAE-based investor identified a $7.5M Miami waterfront opportunity. The seller required a 3-week close. No U.S. credit history. Income from UAE business structures. America Mortgages provided a committed bridge facility with closing in 12 business days, allowing the UAE investor to close at a speed that competing domestic buyers could not match.
Frequently Asked Questions
Q1: Can a foreign national get a real estate bridge loan in the U.S.?
Yes. America Mortgages provides asset-based bridge loans to foreign nationals in 57 countries. No SSN, no W-2, and no U.S. credit history are required. The loan is approved on the U.S. property’s value and LTV ratio.
Q2: Can I borrow through a foreign company or trust?
Yes. America Mortgages and GMG have specific expertise in structuring U.S. asset-based loans for BVI companies, Cayman trusts, offshore SPVs, and family limited partnerships. This is one of the firm’s core differentiators from domestic U.S. lenders.
Q3: Do I need to travel to the U.S. to close?
Not necessarily. America Mortgages has structured transactions for clients who completed the entire process remotely through their Singapore and international offices. Remote closing procedures are available subject to legal requirements in specific states.
Q4: What U.S. property types qualify for foreign national bridge loans?
All property types: single-family luxury residences, condominiums, multi-family properties, commercial properties, and mixed-use assets. Minimum value $500,000. America Mortgages specialises in HNW transactions of $3M and above.
