America Mortgages

America Mortgages America Mortgages is a U.S. mortgage specialist for foreign nationals, non-U.S. residents & US expats. The industry leader in this space.

We provide residential, investment & DSCR financing nationwide with access to 150+ mortgage programs.

Expat mortgage or foreign national mortgage? They're not the same product, and knowing which applies to you determines w...
09/08/2026

Expat mortgage or foreign national mortgage? They're not the same product, and knowing which applies to you determines what you can access.

An expat borrower is a US citizen living abroad. They usually have a social security number and an existing US credit history but their income comes from a foreign employer, so lenders need extra proof of income, employment, taxes, and foreign bank statements. Their main hurdle is verifying foreign income.

A foreign national borrower is not a US citizen and typically has limited US credit history. Their documentation is primarily international, and qualification may rest on foreign bank statements, asset verification, or income generated by the property itself. Their main hurdle is establishing creditworthiness.

One case: a UK-based investor bought a luxury Miami condominium with no US income and no US credit history. America Mortgages arranged a $3.9 million bridge loan through asset-based underwriting. The plan from there is to hold through appreciation, then refinance into permanent financing.

Programs available: foreign national mortgages, DSCR (qualifying on the property's income), bank statement loans, and asset-based lending.

📧 [email protected] | 🌐 www.americamortgages.com | ☎️ +1 845 583 0830⁠

Happy Labor Day from America Mortgages 🇺🇸Today, we celebrate the people whose hard work, dedication, and determination c...
09/07/2026

Happy Labor Day from America Mortgages 🇺🇸

Today, we celebrate the people whose hard work, dedication, and determination continue to build businesses, communities, and the American economy.

At America Mortgages, we’re proud to support entrepreneurs, investors, U.S. expats, and foreign nationals pursuing opportunities in the U.S. real estate market.

Here’s to the people who keep building, investing, and moving forward.

09/06/2026

Affordability just improved for the 8th month straight.

Here's the quick snapshot of the U.S. housing market: existing-home sales rose 1.7% and inventory increased too — giving buyers a few more options heading into spring.

Wage growth and slightly lower mortgage rates than last year are doing the heavy lifting on affordability.

The catch? Supply is still tight, with only about 3.8 months of inventory nationwide. That supply-demand balance remains the key story in U.S. real estate.

At America Mortgages, we track these signals so international buyers can see where opportunities may be forming.

Save this before your next move and tell us which U.S. market you're watching.

📧 [email protected] | 🌐 www.americamortgages.com | ☎️ +1 845 583 0830⁠

U.S. mortgage for foreign nationals in Nevada? Yes, programs exist even with minimal U.S. credit history.Lenders may con...
09/05/2026

U.S. mortgage for foreign nationals in Nevada? Yes, programs exist even with minimal U.S. credit history.

Lenders may consider your foreign income, assets + credit information.

But acceptance depends on 7 things:

🌍 Foreign income — some sources may consider it
📋 Credit history — minimal U.S. history ≠ no financing
💰 Down payment — varies by lender, property type + program
🏠 Property type — investment vs. residential may have separate requirements
📄 Documentation — passport, banking info, foreign tax returns, proof of assets
💱 Currency — foreign currency verified before closing
🏦 Reserves — additional requirements might apply after closing

The move: evaluate options first. The right program matches your borrowing capacity to your investment objectives and verify all requirements beforehand.

📧 [email protected] | 🌐 www.americamortgages.com | ☎️ +1 845 583 0830⁠

Looking for a US mortgage for foreign nationals? Start with where global buyers are actually buying: New York. 🇺🇸7% of a...
09/03/2026

Looking for a US mortgage for foreign nationals? Start with where global buyers are actually buying: New York. 🇺🇸

7% of all international U.S. property buyers picked New York in 2025 (NAR) — one of the leading cities in America for international purchases.

Manhattan median listing prices right now:
📍 Murray Hill — $862,500
📍 Turtle Bay — $1.13M
📍 Sutton Place — $1.20M
📍 Midtown East — $1.33M
📍 Upper East Side — $1.71M
📍 Upper West Side — $1.77M

Manhattan overall: ~$1.4M median sale price (mid-2026), up 6.2% year over year.

Budget around $1M? More affordable apartments may be the focus — Murray Hill vs. Midtown East, for example. The 2026 StreetEasy report also flags Midtown East + Midtown West as good areas to search.

📧 [email protected] | 🌐 www.americamortgages.com | ☎️ +1 845 583 0830⁠

Two deals. One month. $24M combined. Zero US credit files reviewed.Deal one: a London-based family office came to us for...
09/02/2026

Two deals. One month. $24M combined. Zero US credit files reviewed.

Deal one: a London-based family office came to us for a Chinese client hit with a significant offshore tax liability after a new tax ruling. The bill was real and due. He held two unencumbered US properties — a $7M NYC penthouse and a Florida rental near Walt Disney World, his highest-yielding asset.

Selling either would have meant giving up long-term income for a one-time cash need, at a price and moment he didn't choose. Instead: a bridge loan against both properties, raising the full $7M. Request came in the first week of August. Funded by the end of the second.

Deal two: a Dubai-based client owned an unencumbered property in Beverly Hills 90210 and needed to move on a hotel acquisition in Europe — both transactions running in parallel. Financing was arranged purely on the Beverly Hills property's value. No income documentation, no financial statements, no US credit file. From enquiry to closed $17M transaction: two weeks.

Most US lenders can only lend dollars they raise in US markets. When a client has layered offshore structures, income taxed outside the US, or a deadline measured in days, that domestic-only model runs out of options fast.

📧 [email protected] | 🌐 www.americamortgages.com | ☎️ +1 845 583 0830⁠

Yes — foreign nationals and US expats can qualify for a second home mortgage in the US.One America Mortgages case, publi...
08/31/2026

Yes — foreign nationals and US expats can qualify for a second home mortgage in the US.

One America Mortgages case, published January 2026: a US expat living in Singapore had no US W-2 because she'd been earning abroad. Financing was arranged through her global financial portfolio, drawing on her US credit record, foreign income, and Singapore documentation — payslips, employment records, and bank accounts.

What lenders assess: foreign income as evidence of repayment capacity, overseas assets, international credit history, the down payment, and whether the property genuinely qualifies as a second home.

On the down payment — expect around 20% or more as a foreign national borrower. For context, Realtor.com Economic Research found second-home buyers put down an average of 26.9% in Q3 2025, averaging $110,100 upfront. Requirements vary considerably by lender, property type, loan size, and financial profile.

Budget beyond the deposit too: closing costs, insurance, taxes, and reserve requirements all factor into the real total.

📧 [email protected] | 🌐 www.americamortgages.com | ☎️ +1 845 583 0830⁠
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08/30/2026

Nearly 1.8 million Gen Z and millennial households didn’t form in 2025, as affordability challenges and limited housing inventory made it harder for many young buyers to enter the U.S. housing market.

But deferred demand can become active demand.

As housing supply improves and financing options expand, more buyers could enter the market — potentially creating new opportunities across U.S. residential real estate.

For investors, this is an important trend to watch.

At America Mortgages, we monitor shifts in housing demand, affordability, inventory, and financing because they can help identify where future U.S. real estate opportunities may emerge.

The question isn’t whether the demand exists.

It’s when that demand comes off the sidelines.

📧 [email protected] | 🌐 www.americamortgages.com | ☎️ +1 845 583 0830⁠

Can I buy a U.S. home without living in the country? 🇺🇸🏡Yes. You may be able to purchase a home in the U.S. while living...
08/29/2026

Can I buy a U.S. home without living in the country? 🇺🇸🏡

Yes. You may be able to purchase a home in the U.S. while living abroad.

For foreign buyers and U.S. expats, there are mortgage programs designed to accommodate borrowers who reside outside the United States. However, your financing options can depend on several factors, including:

• Citizenship and residency
• Income and assets
• Property type
• Mortgage program
• Individual borrower profile

Living outside the U.S. doesn’t necessarily mean you have to miss out on the U.S. real estate market.

If you're considering buying a U.S. home or investment property from overseas, understanding your mortgage options early can help you determine which financing structure may be right for you.

📧 [email protected] | 🌐 www.americamortgages.com | ☎️ +1 845 583 0830⁠

No U.S. credit history. A 32-unit Texas acquisition. Closed in 14 days.That's a 2026 America Mortgages case: a Singapore...
08/29/2026

No U.S. credit history. A 32-unit Texas acquisition. Closed in 14 days.

That's a 2026 America Mortgages case: a Singapore-based investor arranged roughly $5.2 million in bridge financing at about 70% of asset value, despite having no US credit history. The plan from there is to optimise occupancy and net operating income, then move to DSCR financing once the property stabilises — projected at around 12 to 18 months.

Meanwhile, the wider market has shifted. NAR reported $45.3 billion in international home purchases between April 2025 and March 2026 — a 19.1% drop year on year, with unit volume down 14% to 67,100 homes. Florida led as the top destination, followed by California and Texas.

Less competition can mean more time to compare properties and more room in price negotiations. It doesn't mean less diligence: rental income, ownership costs, loan terms, and location all still need careful review.

Financing options for foreign investors include DSCR loans, foreign national mortgage programs, bank statement financing, asset-based lending, and short-term bridge financing.

📧 [email protected] | 🌐 www.americamortgages.com | ☎️ +1 845 583 0830⁠

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1341 W. Mockingbird Lane, Suite 600W
San Antonio, TX
75247

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