Top 3 Loan Programs
This six-page deck presents America Mortgages' most popular loan programs for foreign nationals and U.S. expats. AM Express+ qualifies you ONLY on the property's projected rental income — no personal income, no AUM and no U.S. credit required — with loan amounts from US$150K to US$3M and 30–45 day closings. AM Investor+ replaces tax returns with an income letter from your employer or accountant, financing up to 75% for foreign nationals and 80% for expats. AM HNW+ covers US$3M to US$100M, qualified on a two-month average of your liquid portfolio with no encumbrance. The deck closes with how we work: we negotiate on your behalf, and there's no application fee or deposit in most cases.
Prefer to read offline? Use the Download button above — the file is a 6-page PDF (2.1 MB).
The three programs, as published
The deck gives one slide to each of our most-used programs, then explains how America Mortgages works on your behalf.
- AM Express+ — qualify ONLY on the property's projected rental income: no personal income, no AUM and no U.S. credit required; loans from US$150K up to US$3M, closing in 30–45 days
- AM Investor+ — no tax returns required: qualify using an income letter from your employer or accountant; up to 75% financing for foreign nationals and 80% for U.S. expats
- AM HNW+ Mortgage — loans from US$3M up to US$100M, qualified ONLY on a two-month average of your liquid portfolio, with no encumbrance of the portfolio
- All three: no AUM requirements, no U.S. credit required, and 30–45 day closings
- How we work: we do all the work and negotiate on your behalf — not the bank's — with direct, transparent communication
- No application fee or deposit (in most cases)
- NMLS · America Mortgages Nationwide
- 2810389
- lender programs
- 150+
- U.S. states
- 50
- U.S. credit required
- No
Related resources
All loan programs
Beyond the top three — student, commercial, portfolio, bridging and HNW programs in one place.
Foreign national mortgages
How non-U.S. citizens qualify with home-country credit — eligibility, LTVs and process.
U.S. expat mortgage loans
Programs for Americans abroad, including options with no W-2 and foreign earned income allowed.
Talk to a specialist
Not sure which of the three fits? Get matched and pre-approved. No obligation.
Find out which of the top 3 programs you qualify for
Send a few details and a specialist will match you to Express+, Investor+ or HNW+ — with a pre-approval and no application fee in most cases.