How America Mortgages / Global Mortgage Group funded two complex, cross-border bridge loans for high-net-worth clients in London and Dubai, without a single U.S. credit check, and without either client selling a single asset.

Most U.S. lenders and brokers can only lend U.S. dollars they can raise in U.S. markets. That’s fine, until a client needs speed, discretion, and certainty on a transaction that starts overseas. This August, two deals reminded us exactly why Global Mortgage Group was built differently, with funding relationships that span borders, not just balance sheets.

Here’s what closed, and why it matters for any HNW investor, family office, or advisor managing U.S. real estate as part of a global portfolio.

Deal One: A $7M Tax Bill, Two Unencumbered U.S. Properties, and Two Weeks to Solve It

A London-based family office came to us on behalf of a Chinese client who had just been hit with a significant offshore tax liability, triggered by a new tax ruling out of China. The bill was real, and it was due, but the obvious solution, liquidating U.S. real estate to cover it, was the wrong one.

The client held two unencumbered U.S. properties:

A $7M penthouse apartment in NYC

A Florida property near Walt Disney World — the client’s highest-performing rental-yield asset

Selling either asset to cover a short-term tax obligation would have meant giving up a long-term income-producing holding for a one-time cash need, and doing it at a moment and a price the client didn’t choose. Instead, the family office structured a bridge loan against both properties to raise the full $7M needed, preserving both assets and letting the client meet the tax deadline on his own terms.

We received the request in the first week of August. The loan was funded by the end of the second week.

No liquidation. No forced sale. No disruption to a rental income stream that was working exactly as intended. Just fast, transparent, asset-based capital, arranged against real estate the client already owned outright.

Deal Two: $17M, One Property, Zero Financials Required

The second transaction moved even faster, and asked for even less friction.

A Dubai-based client owned an unencumbered property in Beverly Hills’ 90210, and needed to move quickly on an unrelated opportunity: acquiring a hotel asset in Europe. The two transactions had to happen in parallel. There was no time for a slow, document-heavy U.S. lending process, and no appetite for one either.

We arranged the financing based purely on the value of the Beverly Hills property, no income documentation, no financial statements, no U.S. credit file required from the client. Just the asset, verified and valued, standing behind the loan.

From enquiry to a closed $17M transaction: two weeks.

That’s the kind of certainty a client needs when a second deal, on a second continent, is waiting on the first one to close.

What These Two Deals Actually Prove

Two closings, one month, $24M combined, zero forced sales, zero U.S. credit files reviewed. That’s not luck, it’s structural.

Most U.S. mortgage brokers and lenders can only lend money they can raise domestically. When a client’s situation is complex, a layered offshore holding structure, income earned and taxed outside the U.S., no U.S. credit history, or a transaction that needs to close in days, not months, that domestic-only funding model runs out of options fast.

America Mortgages/Global Mortgage Group doesn’t have that ceiling. We built our lending network to include funding sources outside the United States, not just within it, which means a client’s complexity isn’t a problem we have to work around. It’s exactly the kind of transaction we’re built for.

In practice, that means:

Asset-based underwriting — the property, not the borrower’s documentation, is often what stands behind the loan

No U.S. credit required — a real barrier for foreign nationals and U.S. expats that simply doesn’t apply here

Speed measured in days, not months — both August deals closed within two weeks of first enquiry

Comfort with layered, cross-border holding structures — family offices, trusts, and multi-jurisdiction entities are the norm for our clients, not the exception

A team built for the client base we serve — our specialists work across 57 different nationalities, in the time zones and languages those clients actually operate in

Why This Matters Beyond These Two Deals

For a family office, a private bank, or an HNW individual holding U.S. real estate as part of a global portfolio, the real risk usually isn’t finding a lender, it’s finding one who can move at the speed an opportunity, or an obligation, actually demands. A tax deadline doesn’t wait for a 45-day underwriting cycle. A hotel acquisition in Europe doesn’t pause because the U.S. side of a deal is stuck in documentation review.

Fast. Transparent. Reliable. That’s not a slogan for us, it’s the operating standard behind every bridge loan we close, and it’s why sophisticated global investors keep coming back to Global Mortgage Group and America Mortgages when U.S. liquidity needs to move on their timeline, not a lender’s.

BRIDGE FINANCING BENEFITS INVESTORS IN 3 IMPORTANT WAYS:

– BF allows investors to make their money go further. For example, if two properties come together at the same time, an investor can purchase both properties using a bridge loan on each purchase.

– It removes partners or family members from a deal. Investing with family members or business partners can be tricky. Bridge loans can remove other partners from the equation, allowing an investor more freedom and flexibility with a newly acquired asset.

– Bridge loans fund faster than bank loans. If an opportunity is good, it won’t last long. Bridge loans have fewer requirements than bank loans and thus close quicker. Bridge financing allows investors can grab a fleeting opportunity before another investor snatches it up.

OUR CAPITAL NETWORK AND EXPERIENCE FOR INTERNATIONAL BRIDGE LENDING EXPANDS BORDERS.

With over 70 combined years of experience in the mortgage and investment banking industry, and with access to funds worldwide, America Mortgages will consider most international bridge funding requests. Currently, we offer bridge lending on international and foreign borrowers with a minimum loan amount of US$3mm with no maximum with a maximum of 50% LTV/LTC.

Get in touch with us today to learn more about the structures and options of bridge financing solutions at [email protected].

Frequently Asked Questions

1. What is Bridge Financing?

Bridge financing is a short-term loan designed to provide immediate capital until long-term financing or another source of funding becomes available. It is commonly used by real estate investors who need to act quickly on property purchases, acquisitions, refinancing, or development opportunities. Because bridge loans prioritize speed and flexibility, they often have shorter repayment terms and higher interest rates than traditional bank loans.

2. Who Can Benefit from Bridge Financing?

It is ideal for commercial real estate investors, property developers, Foreign Nationals, U.S. Expats, and businesses that need fast access to capital. Investors often use bridge loans to purchase investment properties, fund renovations, acquire distressed assets, or complete transactions before arranging permanent financing. It is especially valuable when timing is critical and conventional lending may take too long.

3. How Does Bridge Financing Differ from Traditional Mortgage Loans?

Unlike traditional mortgages, bridge financing focuses on speed, flexibility, and short-term funding. Bank mortgages typically require extensive documentation, lengthy underwriting, and longer approval times. Bridge loans, on the other hand, are structured to close quickly, allowing investors to secure opportunities before competitors. Once the project is completed or long-term financing is arranged, the bridge loan is usually repaid or refinanced.

4. Can Foreign Nationals Qualify for Bridge Financing?

Yes. Many international lenders provide bridge financing for qualified Foreign Nationals and overseas investors purchasing real estate in the United States and other global markets. Eligibility depends on the property’s value, loan-to-value ratio (LTV), the investor’s experience, and the overall strength of the transaction. Specialized international mortgage providers can often structure bridge loans that traditional banks cannot offer.

When Should You Use Bridge Financing?

It is most useful when you need immediate funding to secure a time-sensitive investment. Common situations include purchasing distressed properties, participating in auctions, refinancing existing debt, funding renovations, acquiring commercial real estate, or bridging the gap until permanent financing is approved. For investors seeking speed, flexibility, and the ability to move quickly in competitive markets, bridge financing can be an effective solution.