U.S. Expat Loan Programs
The America Mortgages Expat Loan Handbook profiles seven U.S. loan programs for Americans living overseas: AM Expat Investor+, AM Expat Cash Flow+, AM Student+, AM Commercial+, AM Portfolio+, AM High Net Worth+ and AM Bridging+. For each it lists who it's for, key features, maximum LTV, loan amounts, terms and published fees — including up to 80% LTV with no W-2 required on Expat Investor+, and up to 85% LTV qualifying on rental income alone with Expat Cash Flow+. Loans run from $150,000 to $100,000,000, foreign earned income is allowed, closings can be completed outside the U.S., and typical timelines are 30–45 days.
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Seven programs for Americans abroad
Every program page answers who it's for, the key features, the terms and the costs. Figures below are as published in the handbook.
- AM Expat Investor+ — a conventional bank mortgage for U.S. citizens overseas: up to 80% LTV, no W-2 required, foreign earned income allowed; qualify with 2 years of U.S. tax returns and pay stubs
- AM Expat Cash Flow+ — up to 85% LTV on purchases, qualifying ONLY on the property's rental income (1:1 ratio); built for entrepreneurs with non-consistent income or lapsed U.S. credit
- AM Student+ — buy where your child studies, qualified on U.S. and/or foreign income; up to 75% LTV
- AM Commercial+ ($1M–$100M, up to 75% LTV, non-recourse available) and AM Portfolio+ — one loan cross-collateralized across 4+ properties, up to 80% LTV for U.S. citizens
- AM High Net Worth+ — $3M–$100M at up to 60% LTV on your unencumbered liquid portfolio — and AM Bridging+, conditional approval and 10–14 day closings
- Common threads: all 50 states, 30-year fixed and 5-year ARM structures, 10-year interest-only options, loan closing available outside the U.S., 2% origination success fee
- NMLS · America Mortgages Nationwide
- 2810389
- lender programs
- 150+
- U.S. states
- 50
- U.S. credit required
- No
Related resources
U.S. expat mortgage loans
The money page behind this handbook — eligibility, process and programs for Americans abroad.
U.S. expat lending team
Meet the loan officers arranging U.S. mortgages for expats — in your time zone and language.
All loan programs
Compare the expat family against foreign-national, HNW and bridge programs in one place.
Talk to a specialist
Get matched to the right expat program and a pre-approval. No obligation.
Get the same mortgage you'd get walking into your local U.S. bank
Send a few details and an expat lending specialist will match you to the right program — no W-2 required, foreign earned income allowed.