One of the biggest hurdles for foreign nationals and US expats is getting approved for a US mortgage, especially when dealing with lenders who aren’t fully versed in international financing. That’s where we shine. With a staggering 97% approval rate, we’re incredibly proud of our track record in providing reliable US mortgage financing for non-US residents.

How do we achieve this? It’s simple: This isn’t a side-business for us, non-resident lending is all we do. With loan programs from cash-flow and negative cash-flow DSCR to alternative income, we skip the one-size-fits-all approach that you might encounter with broader lenders and instead dive deep into your unique situation. Whether that means leveraging foreign income sources, alternative credit verification, no US credit, or flexible down payment options. This laser-focused expertise means fewer roadblocks, faster processing, and a smoother path to owning US real estate. If you’re tired of denials from generalist brokers, lenders and banks, let’s talk about how we can turn your “maybe” into a resounding “yes.”

In the world of foreign national loans and US expat mortgages, having choices is key to landing the best deal. As a leader in non-resident US home loans, America Mortgages operates as both a direct lender and a super broker, giving you unmatched flexibility, affordability and transparency.

What does that mean for you? More loan programs to choose from, competitive pricing that beats the market, lower closing costs, and closings that actually happen on time — without the headaches. Unlike some competitors who may have a narrower scope, we partner with over 85 US banks and lenders to curate the perfect fit for your needs, whether it’s a purchase, refinance, asset based bridge loan or investment property loan.

This hybrid model ensures you’re not locked into limited options; instead, you get the cream of the crop for foreign national mortgage rates and terms. We’ve streamlined the process for expats and international investors, handling everything from documentation in multiple languages to coordinating with global real estate agents. The result? Clients who save time, money, and stress while building their US property portfolio.

Our reach is truly worldwide, and that’s no accident. We’ve successfully closed US mortgage loans for international investors hailing from 57 different countries, spanning Europe, Asia, Latin America, and beyond.

This isn’t just a side service for us; helping foreign nationals and US expats secure financing for US properties is our core mission. Picture this: a tech entrepreneur from Hong Kong buying an apartment in New York, or a retiree from Canada refinancing a condo in Arizona. We’ve made it happen time and again.

In a market where some lenders might offer similar products, our global perspective gives us an edge. Not only do we have US Loan Specialists based around the world working in your time zone and language, we understand cultural nuances, currency fluctuations, and international tax implications that can make or break a deal. If you’re a non-US resident dreaming of buying one property in America or building a real estate portfolio, join the thousands who’ve trusted us to make it a reality.

In an industry full of generalists, we stand out by doing one thing and doing it better than anyone else: funding foreign national and US expat mortgage loans. Last year alone, we closed over $480 million in these specialized loans, proving our commitment and capability.

That’s not pocket change, it’s a testament to our efficiency, our network, and our passion for helping non-residents invest in the US housing market. While other brokers, lenders or banks handle a mix of services, our singular focus means every resource we have is poured into perfecting non-resident US mortgages. No distractions, no compromises — just results.

Whether you’re comparing us to any other player in the foreign national space, our numbers speak volumes.