America Mortgages launches a Bespoke U.S. HNW Mortgage Program for Overseas Investors

Global Mortgage Financing

SINGAPORE, August 18, 2022 / — America Mortgages, one of the world’s leading global mortgage financing firms with a sole focus of providing market rate mortgage financing on U.S. real estate for non-resident real estate investors, today announced it has added a new Super Jumbo Preferred HNW Mortgage Program that features both fixed and adjustable rate mortgages (ARM), competitive rates, high LTV/LVR and loan amounts from $3 million up to $150 million.

America Mortgages’ new HNW mortgage program can be used for second home and investment properties in all 50 states. International borrowers can use credit and income from their home country to qualify. Robert Chadwick, CEO of America Mortgages states “What makes this program very unique is that the borrower does not need to provide personal income documentation. They can qualify using either their investment portfolio and or cash in the bank” He goes on to state “This is a perfect loan program for Private Bankers to use for their clients when their bank cannot offer a viable option, as there is no AUM requirements and no encumbrance of the portfolio or asset used to qualify for the U.S. mortgage.”

“A lot of our clients come from Private Bank or HNW real estate agents globally. It’s simple, they are looking for new solutions to help their HNW clients purchase, refinance or release equity without having to provide Assets Under Management (AUM) but also at very competitive rates” said Nick Worthing, Vice President, HNW Division at America Mortgages. “Our Super Jumbo HNW Preferred Mortgage program offers high LTV, attractive rates, fixed term interest only or 30 year fixed and ARM options to help HNW borrowers without a financial administrative nightmare to qualify. It’s literally the perfect U.S. mortgage solution for HNW clients. Period.”

For more information on America Mortgages’ HNW Super Jumbo Preferred U.S. Mortgage loan program, contact [email protected].

About America Mortgages and Global Mortgage Group

Founded in 2019, Global Mortgage Group PTE LTD [GMG], and headquartered in Singapore, is a full-service global mortgage financing firm offering mortgages for investment purposes in The United States, Australia, Canada, United Kingdom, Germany, France, Spain, Singapore, Hong Kong, Philippines, Thailand, Japan to name a few. For more information, visit or call +65 8499-3229.

Founded in 2020, America Mortgages, Inc. is a wholly owned subsidiary of Global Mortgage Group PTE LTD [GMG]. America Mortgages headquartered in San Antonio, TX, with sales offices in 12 different countries, is dedicated to providing U.S. mortgage options for non-resident Foreign Nationals and U.S. Expats. 100% of America Mortgages [AM] clients are living and working outside of the U.S. Both GMG and AM focus on building quality, long-term relationships with its partners such as Private Banks, EAM, Family Offices, Realtors and other mortgage broker located around the world by offering a wide variety of mortgage loan programs focused on specific markets with an exceptional client experience. For more information, visit or call +1 830-217-6608.

Robert Chadwick
America Mortgages
+65 8430 1541
[email protected]
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All you need to know about AM’s Liquid Portfolio Mortgages!

AM's Liquid Portfolio Mortgages
All you need to know about AM's Liquid Portfolio Mortgages!

Heard of the term “asset rich but cash poor”? 

It’s a common issue among entrepreneurs “working for equity” or high net worth investors who report low income but have sizeable real estate portfolios.

Traditional banks require pay stubs, employment letters, and credit scores (we have fantastic programs for this as well), but many of us are not in the corporate world and require more flexible programs to suit the needs of this new emerging investor demographic.

This week we “launch” our new Asset Depletion program for investors who own a collection of real estate assets and use the income from the portfolio to qualify as opposed to using your employment income.


Asset depletion, or ‘asset dissipation,’ is a way to qualify for a loan using substantial assets instead of income from employment. There is no AUM (Assets Under Management) or encumbrance of your portfolio at all, rather, it is simply used to qualify for a loan.

With an AM’s Liquid Portfolio Mortgage, we calculate your monthly ‘income’ by dividing your total liquid assets by the duration of most mortgage loans, 360 months.

This way, you can prove your ability to service the debt without regular income from employment – great for entrepreneurs!

You do not have to qualify solely based on your assets to use funds from asset depletion. You may use it as an additional ‘income’ source on top of any regular income you currently receive.

That said, borrowers who use an asset depletion program to qualify do not need to show any other sources of income or employment. If their assets are sufficient to service the mortgage – as well as regular living expenses – they can qualify based solely on that calculation.

What makes this program an excellent option for HNW clients is the mortgage borrower is not required to cash in their portfolio or encumber in any manner. The assets are only used to demonstrate an ability to make the mortgage payments.

  • Checking or savings accounts (bank must have a U.S. presence)
  • Money market accounts (bank must have a U.S. presence)
  • Certificates of Deposit (CD) (bank must have a U.S. presence)
  • Investment accounts such as stocks, bonds, and mutual funds (bank must have a U.S. presence)
  • Retirement accounts (bank must have a U.S. presence)

Asset depletion mortgage example:

Take for instance, a 59-year-old mortgage borrower has $3,500,000 in liquid assets, and another $300,000 in retirement or investment accounts.

This is how their monthly income will be calculated:

  • Retirement account – 70% of $300,000 = $210,000
  • Total assets counted – $3,500,000 + $210,000 = $3,710,000
  • Monthly income – $3,710,000 / 360= $10,305

In this case, America Mortgages will calculate the borrower’s maximum mortgage payment based on a monthly ‘income’ of $10,305.

Should you use an AM’s Liquid Portfolio Mortgage?

If you are wondering whether you are a good candidate for an asset depletion program, try answering these questions:

  • Are you retired with little to no fixed income?
  • Are you self-employed but with little to no “provable” income?
  • Are your assets held in a bank with a U.S. branch or presence?
  • Do you have Trust assets with completely unrestricted use?

If you answered YES to any of these questions, an asset depletion loan is an ideal solution for you.

For more information on AM’s Liquid Portfolio Mortgage, get in touch with us via email at [email protected]