U.S. Expat & Foreign National Specialists
Our team focuses exclusively on helping international borrowers navigate U.S. mortgage financing.
U.S. Residential Mortgages
U.S. Residential Mortgages for Americans Abroad & Foreign Nationals
Purchase, refinance, or access equity in U.S. residential real estate with mortgage solutions designed specifically for overseas borrowers. Whether you're a U.S. Expat or a Foreign National investing in U.S. property, America Mortgages provides access to specialized financing solutions, flexible qualification options, and over 150 mortgage programs tailored to international borrower profiles.
Reviewed by Robert Chadwick, CEO | Co-Founder, America MortgagesUpdated 6 July 2026
42+ five-star reviewsU.S. Expats and Foreign Nationals of 57 nationalities finance U.S. homes with America Mortgages — a specialist team, not a call center.
Why overseas borrowers trust America Mortgages
- approval rate
- 97%approval rate
- funded
- $1B+funded
- nationalities financed
- 57nationalities financed
- mortgage programs
- 150+mortgage programs
Residential Mortgage Solutions Built for Overseas Borrowers
Yes — you can buy, refinance or release equity on a U.S. home while living overseas, whether you're a U.S. citizen abroad or a foreign national.
Purchasing or refinancing U.S. residential real estate while living overseas often involves considerations that traditional lenders are not equipped to handle. Foreign income, international assets, overseas residency, and non-U.S. credit profiles can all impact financing options.
America Mortgages specializes in helping U.S. Expats and Foreign Nationals navigate these complexities through mortgage solutions designed specifically for international borrowers — with foreign income and international credit accepted, and no U.S. credit history required on most foreign national programs.
Built for overseas borrowers
What can you finance with a U.S. residential mortgage?
Whether you're purchasing a home, refinancing an existing property, or building a U.S. real estate portfolio, residential mortgage solutions can support a wide range of ownership goals.
What You Can Finance
- Primary Residence
- Second Homes & Vacation Properties
- Residential Investment Properties
- Property Refinancing
- Portfolio Growth
- Equity Access (Cash-Out)
Eligible Property Types
- Single-Family Homes
- Condominiums
- Townhomes
- Vacation & Second Homes
- Multifamily Properties
- Residential Investment Properties
Programs available
Residential mortgage programs available
One application is matched across 150+ U.S. bank and lender programs. These are the residential structures overseas borrowers use most.
Purchase Financing
Purchase a primary residence, second home, vacation property, or residential investment property.
Residential Refinance
Improve loan terms, access equity, or restructure an existing mortgage to better align with your goals.
Cash-Out Refinance
Convert property equity into capital for investments, renovations, or other financial goals.
Asset-Based Financing
Leverage eligible liquid assets when traditional income documentation may not fully reflect your financial strength.
DSCR Financing
Qualify based on rental property cash flow rather than traditional personal income documentation.
LLC Financing
Purchase or refinance eligible residential investment properties through an LLC ownership structure.
Key loan highlights
Verified loan-to-value, amounts and terms
Foreign Income & International Credit Accepted
Many programs accommodate international financial profiles and overseas documentation.
Up to 80% LTV for U.S. Expats
Financing solutions available for eligible borrowers purchasing or refinancing residential property.
Up to 75% LTV for Foreign Nationals
Designed specifically for international buyers investing in U.S. real estate.
Loan Amounts from $150,000 to $5 Million
Solutions available for a wide range of residential financing objectives.
30-Year Amortization Available
Long-term financing options designed to support affordability and cash-flow planning.
Fixed, ARM & Interest-Only Options
Choose from a variety of loan structures based on your financial goals.
The America Mortgages advantage
Why overseas borrowers choose America Mortgages
Overseas borrowers often discover that traditional lenders are not equipped to handle foreign income, international assets, or non-U.S. credit profiles. America Mortgages was built to help U.S. Expats and Foreign Nationals access U.S. residential financing through solutions designed for cross-border borrower profiles.
60-second check
Can I qualify for a U.S. residential mortgage?
Answer four quick questions to see whether a U.S. residential mortgage fits your profile — no personal details, no credit pull, no obligation.
Eligibility check
Question 1 of 6
Question 1 of 6. Are you a U.S. citizen / green-card holder, or a foreign national?
Are you a U.S. citizen / green-card holder, or a foreign national?
We finance both — U.S. Expats and Foreign Nationals. This just tailors your result.
Rates & terms
Indicative loan-to-value, amounts and terms
These ranges are what our residential 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 |
|---|---|---|---|
| U.S. citizens / expats — purchase | Up to 80% | $150k – $5M | 15 / 30-yr fixed · 5 / 7-yr ARM |
| Foreign nationals — purchase | Up to 75% | $150k – $5M | 15 / 30-yr fixed · 5 / 7-yr ARM |
| Refinance / cash-out / equity release | Up to 70% | $150k – $5M | 15 / 30-yr fixed · 5 / 7-yr ARM |
| Interest-only (servicing) | Program-dependent | $150k – $5M | Amortized over 30-yr |
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$650,000
Down payment20% · $130,000
Max LTV is 80% (min 20% down).
%
Estimated monthly payment
$3,460
per month · principal & interest only
- Loan amount
- $520,000
- Down payment
- $130,000
Illustration only. You enter the rate — America Mortgages does not quote a rate here. Foreign national LTV is up to 75%; U.S. expat LTV is up to 80%. Your actual rate, LTV and payment are confirmed in writing at pre-approval. Excludes taxes, insurance and fees.
How it works
How the residential mortgage process works
- 1
Discuss Your Goals
Review your property objectives, borrower profile, and financing requirements with a mortgage specialist.
- 2
Explore Available Options
We identify mortgage solutions aligned with your property goals and financial profile across 150+ programs.
- 3
Submit Documentation
Provide the required borrower, income, asset, and property information — no U.S. credit or tax returns for foreign nationals.
- 4
Underwriting & Approval
The lender reviews your application, supporting documentation, and property details.
- 5
Close on Your Property
Complete the closing process remotely and move forward with your purchase, refinance, or investment strategy.
Ready to Explore Your Residential Mortgage Options?
Whether you're purchasing a home, refinancing an existing property, or expanding your residential real estate portfolio, America Mortgages can help identify financing solutions aligned with your goals. Our specialists work with U.S. Expats, Foreign Nationals, and international investors seeking residential financing throughout the United States.
Why speak with our team?
- Understand your financing options before you apply
- Learn which residential programs may fit your situation
- Get guidance on income, credit and documentation requirements
- Receive support from pre-qualification through closing
Social proof
What clients say
Real reviews from U.S. expats and foreign nationals who financed U.S. residential 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 get a U.S. residential mortgage?
Yes. Foreign Nationals can purchase and finance residential real estate in the United States without U.S. citizenship or permanent residency. America Mortgages specializes in U.S. residential mortgage solutions designed specifically for international borrowers purchasing primary residences, second homes, vacation properties, and residential investment properties.
Can U.S. Expats qualify for a residential mortgage using foreign income?
Yes. Eligible U.S. citizens living abroad can qualify using foreign income, international employment documentation, global assets, and other approved financial documentation. America Mortgages offers residential mortgage solutions tailored to Americans living and working overseas.
Do I need a U.S. credit score to obtain a U.S. residential mortgage?
No. Many residential mortgage programs available through America Mortgages do not require an established U.S. credit history. Qualified borrowers may use international credit reports, alternative credit references, or other approved documentation depending on the selected loan program.
What types of residential properties can be financed?
Financing may be available for a variety of residential property types, including primary residences, second homes, vacation properties, condominiums, single-family homes, multifamily properties, and residential investment properties, subject to lender guidelines and underwriting requirements.
Can I refinance a U.S. residential property while living overseas?
Yes. U.S. Expats and Foreign Nationals can refinance eligible U.S. residential properties through rate-and-term refinance, cash-out refinance, asset-based refinance, and other specialized mortgage solutions designed for international borrowers.
Can I purchase or refinance a residential property through an LLC?
Yes. America Mortgages offers financing solutions that allow eligible investors to purchase or refinance residential investment properties through an LLC. These programs are commonly used for asset protection, portfolio management, and long-term real estate investment strategies.
How much can I borrow, and what loan terms are available?
Loans run from $150,000 to $5,000,000. Maximum loan-to-value is up to 80% for U.S. citizens and up to 75% for foreign nationals, so plan for a 20–30% down payment plus reserves. Term options include 15-year fixed, 30-year fixed, 5-year ARM and 7-year ARM (ARM = adjustable-rate mortgage), and every loan can be amortized over 30 years, with interest-only options also available.
How does the process work from overseas?
Everything is handled remotely. We've built a process specifically for overseas clients that eliminates many unnecessary steps — it's easier, faster and more transparent than international banks. You can sign at a local notary or embassy and fund by wire; no in-person visit is required.
Learning Lab
Expert Insights for Overseas Property Buyers
Access educational content, market insights, financing strategies, and mortgage guidance designed specifically for U.S. Expats and Foreign Nationals buying U.S. residential real estate.
Whether you're purchasing your first U.S. home, exploring refinancing, or expanding a residential portfolio, our resources can help you make more informed financing decisions.
Guide
How U.S. expats qualify for a mortgage on foreign income
What documents you need, how overseas income and credit are assessed, and what to expect from application to closing.
Read moreStrategyRefinance or cash-out on a U.S. home from abroad
When it makes sense to lower your rate or release equity, and how the remote process works.
Read moreMarketWhere overseas borrowers are buying U.S. homes
The states and property types drawing the most international residential investment, 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
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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 U.S. expats and foreign nationals. 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. ARM stands for Adjustable Rate Mortgage. 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.