U.S. Tax Filing for Non-Resident Landlords and U.S. Expat Owners
America Mortgages does not prepare or advise on taxes. We arrange it. If you own or sell U.S. property from overseas, we introduce you to an independent cross-border accounting firm for your taxpayer number, your return, and withholding on sale.
The same team that financed the property helps you get it filed.
America Mortgages is a direct lender and super-broker, not a tax firm. All U.S. tax advice, preparation and filing are provided by the independent CPA firm we introduce.
Why This Gets Complicated From Overseas
You own a U.S. rental from overseas, the rent is coming in, you have no U.S. Social Security number, and you've been told there's a U.S. return you're supposed to file.
Or you're a U.S. citizen living abroad, still filing on your worldwide income, with a U.S. rental adding another layer.
Or you're selling as a foreign national, and part of your gross sale price can be held back at closing, with a short window to do anything about it.
What America Mortgages Arranges
We don't file, prepare, or advise. We introduce you to an independent cross-border accounting firm, matched to whether you're a rental owner, an expat, or a seller. If you don't have a U.S. taxpayer number, that firm helps with your ITIN so it doesn't hold up your filing or your closing, and prepares your non-resident or expat return.
If you're selling, start with our free FIRPTA withholding calculator, then we introduce the accountant who manages the certificate and filing steps. Throughout, your America Mortgages loan officer stays with you, so nothing falls between the loan and the return.
Where the line sits
America Mortgages is a direct lender and super-broker, not a tax firm. All U.S. tax advice, preparation and filing are provided by the independent CPA firm we introduce.
We don't prepare, sign, file or advise on any U.S. tax return, and we don't set, quote or take a share of the accountant's fees.
Your Path From Question to Filed Return
Tell your loan officer your U.S. tax question
Rental owner, expat, or selling — a sentence is enough.
We route you and make the introduction
We route you to the right cross-border CPA partner and make the introduction. America Mortgages works with more than one tax firm.
The CPA scopes the work with you
Directly with you, on its own engagement terms, pricing and timelines. America Mortgages does not set or quote these.
You file with a specialist
On a property financed by a specialist.
What Usually Applies to You
This is orientation, not tax advice. The cross-border CPA we introduce confirms what applies to your situation.
- Overseas owner earning U.S. rent
- An annual U.S. non-resident return (Form 1040-NR), and an election that changes how the rent is taxed
- The CPA confirms it and files it
- No SSN
- An ITIN, applied for on Form W-7, usually alongside your first return
- A CPA who is an authorized Acceptance Agent
- Selling as a foreign person
- FIRPTA withholding at closing, and a certificate route (Form 8288-B) to reduce it up front
- Estimate it on our calculator, then the CPA
- U.S. citizen living abroad
- Worldwide-income filing plus information filings, with the U.S. rental on top
- An expat CPA
- Property in a state that taxes income
- A separate non-resident state return where the property sits
- A CPA who knows that state
- Deadlines
- An annual return date, and a short window after closing for FIRPTA, both fact-dependent
- The CPA pins the calendar to your dates
A CPA is licensed to practice before the IRS, so they can sign your return and represent you. America Mortgages cannot, and does not. If you are weighing how to hold the property, start with our U.S. LLC formation overview, then let the CPA, and where needed an attorney, confirm the structure that fits. If you are selling, estimate the withholding first with our free FIRPTA withholding calculator.
A Lender Built for Foreign Nationals and U.S. Expats
Every specialist tax firm in this market handles tax on its own. None of them can also finance the property. America Mortgages is the one party in the journey that touches the purchase, the financing, the filing and the sale.
We're not tax specialists, and we don't claim to be. But you already have the lender, and we'll introduce the cross-border accountant so the tax side is handled by someone who does this every day, on the same property we financed.
- approval rate
- 97%approval rate
- funded
- $1B+funded
- nationalities financed
- 57nationalities financed
- lender programs
- 150+lender programs
NMLS 2810389 (America Mortgages Nationwide). The page makes no claim about the tax partner's results, rankings or standing. Any partner credentials belong inside the partner section and are attributed to the partner.
Common Questions About U.S. Tax Filing
Own or sell U.S. property from overseas? We'll introduce a cross-border CPA who handles the U.S. tax side. No obligation, and your loan team stays with you.
Request a CPA introductionDoes America Mortgages prepare or file my U.S. taxes?
I'm an overseas landlord with no SSN. Where do I start?
I'm a U.S. citizen living abroad and I own a U.S. rental. Can you help?
I'm selling U.S. property. What about withholding?
How much does the tax work cost?
Can America Mortgages give me tax advice directly?
America Mortgages, Inc. — NMLS 2810389 (America Mortgages Nationwide). Founded in 2019 and wholly owned by Global Mortgage Group Pte. Ltd. (Singapore). America Mortgages is a direct lender and super-broker. Its NMLS license does not permit it to sell insurance, broker property, move client money, or give tax, legal or investment advice. Every service described on this page is an introduction to an independent, separately licensed firm that contracts with you directly and performs the service itself. This page is general information and is not legal, tax or investment advice. All financing is subject to program eligibility, property, borrower profile, underwriting and prevailing market conditions, and is confirmed in writing at pre-approval.