As 2024 comes to an end, it’s the perfect moment to reflect on the year’s achievements and explore what lies ahead in the evolving U.S. real estate market. With a new Presidential administration, creative trends in mortgage lending, expected low rates and unique investment property opportunities, 2025 is shaping up to be an exciting year for America Mortgages’ investors. Here’s a breakdown of what to expect and the latest updates from America Mortgages.
What’s the Market Going to Be Like in 2025?
The U.S. housing market is evolving, with key predictions shaping the year ahead:
- Mortgage Rates to Decrease and StabilizeExperts anticipate mortgage rates will stabilize around 5.5% to 6.0% by late 2025. According to HousingWire, this stability will make financing more predictable, helping buyers plan with greater confidence.
- Demand for Affordable HousingAffordable homes will remain a top priority, especially in cities like Cleveland, Kansas City, and Tampa. These areas, highlighted by Yahoo Finance, are thriving thanks to lower home prices and expanding job markets.
- Regional Price VariationsWhile high-cost cities may see slower price growth, regions with strong job creation and infrastructure improvements could experience rising demand and higher prices. HousingWire points out that these regional shifts will be significant.
New Loan Programs: Asset-Backed Bridge & Rental Coverage+
This year, we launched two exciting programs designed to provide international investors with flexible and efficient financing options:
AM Asset-Backed Bridge Loan Program
Focused on the property’s value rather than personal income, credit, or cash flow, this program offers quick access to capital with competitive rates and streamlined processing.
Key Features:
- Income: No personal income required
- Credit: No U.S. credit required
- Loan Types: Purchase, refinance, and cash-out refinance
- Terms: 12-24 months
- Loan Amounts: $300,000 to $100 million
- Qualification: Property value only
- Loan-to-Value: Up to 75%
- Closing Time: 5-14 days
America Mortgages Rental Coverage+ Loan Program
This program allows investors to qualify based on the property’s rental income, making it a hassle-free and straightforward process. It’s pure common sense and how all investment properties should be underwritten!
Key Features:
- Property Type: 1-4 unit residential properties
- Minimum Loan Amount: $150,000 (personal name) or $100,000 (LLC)
- Loan-to-Value: Up to 80% for purchase, 70% for cash-out
- Underwriting: Based on the property’s rental income, not personal income
- Credit: No U.S. credit required
- Closing Time: 30-45 days
New Collaborations: Bridgewater International
In 2024, we proudly introduced our partnership with Bridgewater International, a trusted property management company specializing in U.S. real estate investments for international clients. Their expertise ensures that your property investments are professionally managed and strategically positioned to deliver maximum returns.
Watch our latest webinar with Bridgewater International here:
This collaboration gives you access to top-tier property care, ensuring peace of mind throughout your ownership journey.
Platform Updates: Launch of Our App
We’re thrilled to announce the America Mortgages App, launching in 2025! This app will simplify your real estate investment process and put everything you need at your fingertips.
Key Features:
- Seamless Loan Applications: Apply directly from your phone.
- Real-Time Tracking: Stay updated on your loan status anytime.
- Tailored Market Updates: Receive personalized insights to guide your decisions.
- 256-Bit Encryption: Robust security to keep your financial data safe.
- 24/7 Accessibility: Manage your mortgage and connect with loan officers anytime.
With its user-friendly design, this app will help you manage your investments faster, smarter, and more securely.
Looking Ahead
The U.S. real estate market in 2025 promises steady opportunities, with decreasing mortgage rates and continued demand for homes. America Mortgages is committed to supporting your investment journey with new programs and trusted partnerships designed to help you succeed.
Thank you for trusting us in 2024. Let’s make 2025 even better together!
Start your investment journey today. Schedule a chat with a loan officer anytime, or if you want to speak to someone right away, call us at +1 (845) 583-0830. We’re ready to assist! You can also reach us at [email protected] or visit our website at www.americamortgages.com to get started.
