Specialized in Overseas Owners
Refinancing U.S. property for people living abroad is all we do — we know how to structure it around foreign income and international assets.
Refinance U.S. Property
U.S. Property Refinance Solutions for U.S. Expats & Foreign Nationals
Refinancing your U.S. property can help improve cash flow, access equity, consolidate financing, or support your long-term real estate goals. America Mortgages specializes in helping U.S. Expats and Foreign Nationals refinance residential and investment properties throughout the United States — whether you need a rate-and-term refinance, cash-out refinance, DSCR refinance, or asset-based solution.
Reviewed by Robert Chadwick, CEO | Co-Founder, America MortgagesUpdated 6 July 2026
42+ five-star reviewsOwners of 57 nationalities refinance U.S. property with America Mortgages — a specialist, not a call center.
Why overseas owners trust America Mortgages
- approval rate
- 97%approval rate
- funded
- $1B+funded
- nationalities financed
- 57nationalities financed
- mortgage programs
- 150+mortgage programs
Why Refinance a U.S. Property?
You can refinance U.S. property while living overseas — to lower your payment, shorten your term, or take cash out and release equity.
Refinancing can provide opportunities to improve your mortgage structure, unlock property equity, and better align your financing with your current financial objectives.
There are two broad paths. A rate-and-term refinance replaces your existing loan to lower your rate, reduce your payment, or shorten your term — you don't take money out. A cash-out refinance gives you a larger loan than your current balance and pays the difference to you in cash. America Mortgages qualifies U.S. Expats and Foreign Nationals for both on foreign or rental income, with no U.S. credit history required on most programs.
Common refinance goals
What owners overseas refinance to achieve
Refinancing can improve your mortgage structure, unlock property equity, and better align your financing with your objectives — whether or not you take cash out.
Rate-and-term goals (no cash out)
- Lower Monthly Payments
- Improve Cash Flow
- Change Loan Terms
- Shorten Your Loan Term
- Optimize Long-Term Property Ownership
Cash-out & restructuring goals
- Access Equity Through a Cash-Out Refinance
- Consolidate Existing Debt
- Fund New Investment Opportunities
- Transition to a Different Mortgage Structure
Refinance solutions
Refinance solutions for international borrowers
Whether you're looking to lower monthly payments, access equity, refinance an investment property, or restructure an existing mortgage, America Mortgages offers specialized refinancing solutions designed for international borrowers.
Rate-and-Term Refinance
Replace an existing mortgage with a new loan structure designed to improve loan terms, payment schedules, or financing flexibility — without taking cash out.
Cash-Out Refinance
Access available equity from your property (up to 70% LTV) and use the funds for investments, renovations, business opportunities, debt consolidation, or other financial objectives.
DSCR Refinance
Refinancing solutions for investment properties where qualification may be based primarily on property cash flow rather than personal income.
Asset-Based Refinance
Leverage eligible liquid assets when traditional income documentation may not fully reflect your financial strength.
Foreign National Refinance Programs
Solutions designed specifically for non-U.S. residents who own U.S. real estate and wish to refinance an existing property.
U.S. Expat Refinance Programs
Financing options for U.S. citizens living abroad who want to refinance properties in the United States using foreign income and global assets.
Built for cross-border profiles
Refinancing for international borrowers
Many borrowers assume refinancing is difficult because of their international profile. America Mortgages specializes in exactly these scenarios.
We specialize in scenarios where…
- You live outside the United States
- You earn foreign income
- You hold assets internationally
- You don't have an established U.S. credit profile
- You own investment properties through an LLC
- You have complex international financial structures
The America Mortgages advantage
Why overseas owners choose America Mortgages
U.S. Expats and Foreign Nationals often find that traditional lenders are not equipped to refinance a U.S. property held by an overseas owner. America Mortgages was built specifically to navigate these cross-border scenarios.
60-second check
Can I refinance my U.S. property?
Answer four quick questions to see whether a rate-and-term or cash-out refinance 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 refinance U.S. property you own.
Rates & terms
Indicative loan-to-value, amounts and terms
These ranges are what our refinance programs typically offer — note the cash-out ceiling of 70% LTV vs 75% on a rate-and-term. They are indicative only; your exact rate, LTV and terms are confirmed in writing at pre-approval.
| Program | Max LTV | Loan amount | Terms |
|---|---|---|---|
| Rate-and-term refinance | Up to 75% | $150k – $5M | 5 / 10 / 30-yr |
| Cash-out refinance / equity release | Up to 70% | $150k – $5M | 5 / 10 / 30-yr |
| DSCR refinance (investment) | Up to 75% | $150k – $5M | 5 / 10 / 30-yr |
| Bridge / fast equity release | 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 new monthly payment
Drag the sliders to see an indicative payment on your refinanced balance. You enter the rate — we don't quote one here; your real rate comes at pre-approval.
Property price$750,000
Down payment35% · $262,500
Max LTV is 75% (min 25% down).
%
Estimated monthly payment
$3,243
per month · principal & interest only
- Loan amount
- $487,500
- Down payment
- $262,500
Illustration only. You enter the rate — America Mortgages does not quote a rate here. On a cash-out refinance, plan for up to 70% LTV. Your actual rate, LTV and payment are confirmed in writing at pre-approval. Excludes taxes, insurance and fees.
How it works
How the refinance process works
- 1
Review Your Current Mortgage
Discuss your existing loan, property details, equity position, and refinancing goals with a mortgage specialist who understands overseas ownership.
- 2
Explore Available Options
We evaluate available refinancing solutions — rate-and-term, cash-out, DSCR or asset-based — based on your borrower profile, property type, and financial objectives.
- 3
Submit Documentation
Provide the required identification, income information, asset verification, mortgage statements, and property documentation. Your specialist gives you an exact checklist up front.
- 4
Property Review & Underwriting
The lender reviews the property, borrower profile, available equity, and supporting documentation, and orders the appraisal that sets your available equity.
- 5
Close on Your Refinance
Finalize your refinance — signing remotely at a local notary or embassy — and move forward with improved cash flow, access to equity, or a structure better aligned with your goals. Any cash-out is wired to you at completion.
Ready to Explore Your Refinance Options?
Whether you're looking to improve cash flow, access property equity, reduce monthly payments, or restructure an existing mortgage, our specialists can help identify refinancing solutions aligned with your goals — designed for international income, global assets, and cross-border financial profiles.
Why speak with our team?
- Understand rate-and-term vs cash-out before you apply
- Learn how much equity you may be able to release
- Get guidance on documentation requirements
- Receive support through to a remote closing
Social proof
What clients say
Real reviews from U.S. expats and foreign nationals who refinanced 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 refinance property in the United States?
Yes. America Mortgages helps Foreign Nationals refinance U.S. investment properties, vacation homes, second homes, and residential real estate through specialized mortgage solutions designed for international borrowers.
Can U.S. Expats refinance using foreign income?
Yes. U.S. citizens living abroad can refinance U.S. properties using foreign income, international employment documentation, global assets, and other approved financial documentation, subject to underwriting guidelines.
What is a cash-out refinance?
A cash-out refinance allows you to replace your existing mortgage while converting a portion of your property's equity into cash. Borrowers commonly use cash-out refinancing to fund new investments, property improvements, business opportunities, debt consolidation, or other financial goals. Cash-out is available up to 70% of the property's value.
Can I refinance an investment property?
Yes. America Mortgages offers refinancing solutions for investment properties, including long-term rentals, short-term rentals, multifamily properties, and other income-producing real estate.
Can I refinance a property owned by an LLC?
Yes. America Mortgages offers financing solutions that allow investors to refinance eligible investment properties owned through an LLC. These programs are popular among real estate investors seeking asset protection, operational flexibility, and portfolio management advantages.
How much equity do I need to refinance?
Equity requirements vary based on the loan program, property type, borrower profile, and refinance objectives. As a guide, rate-and-term refinances go up to 75% LTV and cash-out up to 70% LTV. Our specialists can help determine which options align with your property's equity position and financial goals.
What is the difference between a rate-and-term and a cash-out refinance?
A rate-and-term refinance replaces your existing loan to lower your rate, reduce your payment, or shorten your term — you don't take money out, and it goes up to 75% LTV. A cash-out refinance (equity release) gives you a larger loan than your current balance and pays the difference to you in cash, up to 70% LTV, which you can reinvest, use to buy more property, or spend on renovations.
How quickly can an overseas refinance close?
We can issue an indicative approval once we have your details. From a complete application, most refinances close in roughly 21–45 days; time-sensitive equity release can be structured with a bridge program to complete faster.
Learning Lab
Expert Insights for International Property Owners
Access educational content, market insights, and refinancing strategies designed specifically for foreign nationals and U.S. expats who own U.S. real estate.
Whether you're lowering a payment, releasing equity, or restructuring an existing mortgage, our resources can help you decide which refinance path fits your goals.
Guide
Rate-and-term vs cash-out refinance, explained
When to keep your balance and just lower your rate — and when releasing equity makes more sense.
Read moreStrategyUsing a cash-out refinance to grow a U.S. portfolio
How overseas investors release equity from one property to acquire the next.
Read moreInvestorDSCR refinance for overseas landlords
Improve rental cash flow by qualifying on the rent the property earns, not personal income.
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
Related programs & guides
Foreign national mortgagesThe full program for non-resident borrowers financing U.S. property.Purchase U.S. propertyBuying rather than refinancing? Financing to purchase from overseas.U.S. citizens & expats overseasRefinancing for Americans living and earning abroad.U.S. bridge loansFast, short-term financing for time-sensitive equity release.
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. Cash-out is available up to 70% LTV and rate-and-term up to 75% LTV. 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.