Everyone wants to time the market perfectly: the lowest rate, the highest valuation, the ideal moment to act. But in real estate, waiting for the mythical “perfect” time often means missing the profitable time.
So when is the right time to refinance?
Historically, it is the moment interest rates begin drifting downward, but before the market realizes it. And, according to recent Finimize data, that shift is already underway. Equity release refinancing applications in the U.S. have jumped significantly, even as purchase demand slips. That is the earliest sign of a rate cycle turning.
Why refinancing early matters more than refinancing perfectly
Investors who wait for the bottom rarely capture it.
By the time rates hit a headline-grabbing low:
• Buyers flood back into the market
• Bidding wars return
• Inventory tightens
• Prices accelerate
A $300,000 property can quickly become a $380,000 property. This completely erases any additional savings you hoped to achieve by waiting another 0.25% in rate movement.
Refinancing when rates start falling, not when they bottom out, is what gives sophisticated investors the advantage.
Refinancing now allows you to release equity while prices are still relatively low
In many U.S. markets, prices have softened or stabilized, creating a rare moment where:
• Rates are easing
• Values are not yet inflated
• Competition is still quiet
This combination does not last long.
Refinancing now lets investors potentially pull out six figures of equity before the market turns and values rise again. That liquidity becomes your competitive weapon. Your tool or secret weapon for building a U.S. real estate portfolio.
Use the cash to buy additional investment property before the next wave of price increases
Smart investors do not refinance only to lower their payment. They refinance to multiply their portfolio.
With equity released today, you can:
• Acquire a second (or third) U.S. investment property with no LTV limitations or restrictions
• Move quickly on distressed or off-market listings
• Enter fast-growing markets before values rebound, gaining instant equity once rates are slashed and prices move
• Leverage current prices rather than future, higher ones
This is how global investors scale: refinancing one asset to buy two, three or more.
Why foreign nationals and U.S. expats are acting now
Traditional lenders still require U.S. tax returns, W-2 income, and U.S. credit history. Most global investors do not meet those requirements, which is why refinancing used to feel impossible. Until now…
America Mortgages changed the game for foreign investors and U.S. expats.
AM Cash-Out Refinance Loan Program: Built for Investors Who Want to Reinvest Quickly
Key Loan Highlights
• No Personal Income Required
Perfect for foreign nationals and U.S. expats with global income and cash-flowing properties.
• No U.S. Credit History Needed
We underwrite using common-sense underwriting principles based on the property, and not the borrower’s passport.
• Loan Amounts Starting from US$100,000
Ideal for pulling liquidity without selling the property or using funds to purchase multiple properties without limitations of LTV, allowing our clients to build U.S. portfolios.
• Loan-to-Value (LTV)
Up to 80% for U.S. citizens
Up to 75% for foreign nationals
• Closing Time: 30 to 45 Days
Fast enough to capture emerging opportunities.
• Amortizing or Interest-Only Options
Choose the structure that maximizes cash flow.
Fixed-rate loan programs are available regardless of the borrower’s age.
Regardless of whether you’re 19 or 99, take advantage of the longest amortization period available.
These programs give America Mortgages’ investors the freedom to refinance and reinvest strategically at the exact moment the market favours action.
The right time to refinance is when rates start falling, not when the headlines arrive.
There is no doubt, we are in that window now.
Rates are easing, prices are still attractive, and competition has not returned in force.
Refinancing today gives you:
• A lower rate heading into the next cycle
• Cash-out equity to expand your portfolio
• The ability to secure undervalued properties while they still exist
Waiting does not reduce risk. It reduces opportunity.
Refinance now. Buy more while prices are still low. Position yourself ahead of the next appreciation wave, not behind it.
Ready to refinance, pull equity, and scale your U.S. property portfolio?
America Mortgages can structure the fastest, simplest path from a single investment property to a multi-property strategy with our Cash-Out Refinance solutions.
If you’re ready to scale a U.S. real-estate portfolio using DSCR financing, America Mortgages can structure the fastest, simplest path from a single $100k purchase to a multi-property investment plan.
Contact: [email protected]
Website: www.americamortgages.com
Speak to a U.S. Loan Expert 24 hours a day / 7 days a week: +1 845-583-0830
Need help getting started? Use our 24/7 online booking tool to schedule a free, no-obligation consultation with a licensed U.S. mortgage advisor.
