Author: Premela R.

Property Insurance Made Easy: America Mortgages Concierge Series for U.S. Property Investors

Looking for reliable property insurance tailored to protect your U.S. property investment? America Mortgages has partnered with Steadily Insurance to make it easier and more affordable than ever.

As part of our America Mortgages Concierge Series, we aim to simplify each aspect of owning U.S. property, including securing comprehensive insurance coverage. Steadily’s expertise in solutions for foreign investors and U.S. expats ensures you’ll have the protection you need—without the hassle. This partnership provides peace of mind, allowing you to focus on maximizing your investment with full confidence.

America Mortgages and Steadily Insurance—Comprehensive Protection for Your U.S. Property

Unexpected risks, such as natural disasters or accidental damage, can pose challenges for any property owner. By teaming up with Steadily Insurance, America Mortgages helps overseas investors protect their U.S. real estate with customized coverage that offers strong, reliable security for their assets.

With Steadily, you get:

  • Specialized Coverage: Steadily offers insurance designed specifically for rental property owners. They cater to a range of clients, including overseas investors, with policies suited for rental property protection.
  • Fast and Convenient Service: Steadily emphasizes a streamlined policy setup process, allowing clients to secure coverage quickly. They provide flexibility to adapt policies as property needs change.
  • Transparent and Competitive Pricing: Steadily is known for providing clear, competitive pricing without hidden fees, ensuring clients understand their costs and coverage from the start.
  • User-Friendly Online Access: Steadily offers an accessible online platform for policy management, allowing clients to handle their insurance details remotely, which is beneficial for international investors needing 24/7 access.

A Recent Case Study

A client from Sydney, Australia, recently bought a rental property in Austin, Texas and wanted reliable insurance to cover not only the minimum of what the lender required but also additional insurance to cover all aspects of his property. He accessed Steadily Insurance through our concierge service, and in just a few days, he had a policy in place, which was less expensive and more comprehensive than his existing policy, giving him the protection and peace of mind he was looking for. Steadily’s quick, expert assistance helped him feel secure and confident in managing his U.S. property from afar.

Whether you’re protecting a single investment or a growing portfolio, America Mortgages’ free concierge services help make property ownership more manageable. We’ll connect you with trusted partners like Steadily, ensuring that insurance—and every other aspect of your investment journey—is fully supported.

Missed Our Webinar with Steadily Insurance? Watch It Here:

Our team works around the clock, seven days a week, to support clients in every time zone. Ready to secure your U.S. property investment with the right insurance coverage? Start with America Mortgages today!

To apply for a U.S. mortgage loan, click here. For immediate assistance, call us at +1 (845) 583-0830 or schedule a call at your convenience.

Next week, we’ll discuss U.S. tax planning strategies and why they’re crucial for overseas property owners. Stay tuned!

www.americamortgages.com

Q&A: Investing in NYC Real Estate for Global Clients

In the webinar, “Investing in NYC Real Estate for Global Clients,” Alistar Aunty, Managing Director of Bridgewater International, and Robert Chadwick, CEO of America Mortgages, provided valuable insights into NYC real estate. They discussed the benefits of full-service property management for international investors, strategies to enhance ROI, and NYC’s property market dynamics.

Bridgewater’s investor support, and mortgage options tailored for global clients.  For those who couldn’t attend, the recording is now accessible here. 

During the session, Alistar Aunty (AA) and Robert Chadwick (RC) addressed a variety of questions, offering informative responses to help global investors make informed decisions in the NYC real estate market. Remarks have been edited for clarity and brevity.

Do you only manage properties in NYC, or do you cover other states as well?

AA: We primarily manage properties in New York, New Jersey, and Florida. We have managed properties in other locations, like Chicago, but our main focus and expertise are in NYC, NJ, and FL.

What is the rental market like in New York

AA: The rental market in NYC is robust, with high demand since about 70% of residents rent. A well-maintained property in a good location will always attract tenants, especially if it has amenities.

What about capital growth?

AA: Historically, NYC has shown steady capital appreciation. Although recent interest rate hikes have kept prices relatively static, we expect capital growth to resume as interest rates decrease. If trends from 1999 to 2019 continue, there should be good appreciation in the coming years.

Would you help in finding tenants for us?

AA: Yes, finding tenants is a key part of our services. The sooner we can secure a well-qualified tenant, the sooner you start earning income and improving your return on investment.

Hi Alistar, how frequently do you conduct routine site visits to the properties you manage?

AA: For newly purchased properties, we conduct several visits during the build phase and a pre-completion inspection. Once occupied, we visit 1–2 times per year, which balances tenant privacy with inspection needs.

Hi Robert, what’s your advice? Should we wait for interest rates to drop, given the potential upcoming rate cut?

RC: I recommend buying now and refinancing later if rates drop, as waiting could mean missing a buyer’s market. Once rates decrease, demand might push prices up.

Thank you for the webinar. I work with high-net-worth individuals and families based in Africa. Can a bespoke New York/international property investment vehicle/company be designed and managed for high-net-worth families? Are there any residence advantages?

RC & AA: Yes, a bespoke investment structure, like a U.S. LLC, can be set up to manage properties for high-net-worth individuals, providing legal and tax benefits, such as estate tax advantages.

What’s the average mortgage rate for foreign buyers?

RC: Foreign buyers typically pay about 1% more than U.S. residents with excellent credit. Current rates for foreign buyers are in the high 6% to mid-7% range.

How do you think interest rates will change moving forward?

RC: Interest rates are expected to decrease, especially with a pro-real-estate administration that may lower rates to stimulate the market.

I’m a U.S. citizen living overseas with little to no U.S. credit. Which mortgage program applies to me?

RC: You would initially qualify as a foreign national. After reestablishing U.S. credit over about two years, you could switch to an expat loan, typically at a slightly better rate.

What is the current 30-year fixed rate?

RC: Rates vary depending on factors like loan-to-value (LTV) and borrower profile. For foreign buyers, rates generally start around 6% and can go higher.

What are the typical exit costs (e.g., capital gains, broker fees)?

RC: Broker fees are typically 2% of the loan amount. The U.S. offers tax benefits like the 1031 exchange, which defers capital gains tax if proceeds are reinvested in a similar or more expensive property.

Is it possible to qualify for a mortgage on an off-plan property before completion?

RC: Yes, we can pre-approve you for off-plan properties, but locking in the rate long-term may be challenging. Given current trends, you might want to avoid locking in as rates are likely to decrease.

If I bought a property but already own in Connecticut, can I buy now (pre-build) and take advantage of the 1031 Exchange when I sell my Connecticut property?

AA: Yes, you can use the 1031 Exchange if you complete the purchase of a new property within 180 days after selling the Connecticut property, and the new property is of equal or higher value.

What rates apply in different scenarios?

RC: Rates depend on factors like LTV and borrower profile. Foreign buyers usually face slightly higher rates and slightly reduced LTV compared to U.S. residents.

I’m a dual citizen living in Australia but own property in the USA. Can I benefit from your services even if I visit the U.S. often?

AA: Yes, we can provide property management and related services even if you frequently visit, as we cater to both U.S.-based and international clients.

Do banks/lenders apply fees and charges for refinancing? If so, approximately how much?

RC: Yes, refinancing involves fees for appraisal, taxes, insurance, escrow, etc. On average, these costs are about 3% of the property’s closing price.

Home Prices Set to Surge 5% in the 4 Months Following the Election

On a national level, existing home sales dropped to a 14-year low in September, even with mortgage rates hitting a two-year low during that time, according to the National Association of Realtors®.

With that uncertainty gone, buyers will likely feel more secure in making this major decision.

Historically, home prices have shown a bullish trend!

Looking at the past five elections (2004–2020), a slowdown in home sales occurred in the four months leading up to just two of those elections—2004 and 2016.

Similarly, slowing price growth was seen before only two elections: 2004 and 2008.

But there’s more to the story—post-election, home sales and prices typically see a boost. 

Since 2004, home sales and prices have increased annually in the four months following each election, except in 2008, when the housing market was hit hard by the Great Recession.

Moreover, these post-election gains have generally outpaced the slowdown seen right before the election, with some exceptions (like 2012, where the improvement was modest). In contrast, years like 2016 and 2020 saw much sharper rebounds.

Key Insight => On average, home sales have increased by 7% annually in the four months following the last five presidential elections, and prices have risen by an average of 5%.

While mortgage rates and the overall economy are still the main drivers of homebuyer behaviour, the data points to a post-election bump in sales and price growth. The evidence suggests a positive outlook moving forward.

Here is a recent video we hosted on “Ask Us Anything About U.S. Real Estate Investing.”

In light of the election this week, we wanted to share some key insights with you. We’ll be back with our America Mortgages Concierge Series next week.

www.americamortgages.com

Q&A: Ask Us Anything! U.S. Real Estate Investing & Financing

In this Ask Us Anything! U.S. Real Estate Investing & Financing webinar, Robert Chadwick, CEO of America Mortgages, and Donald Kilp, Co-founder of Global Mortgage Group, provided valuable insights into U.S. mortgage trends, including the latest rate updates, market strategies, and investment opportunities for international investors.

For those who couldn’t attend, the recording is now accessible here.

During the session, Robert Chadwick (RC) and Donald Kilp (DK) addressed a variety of questions, offering informative responses to help investors make informed decisions in the current market environment. Remarks have been edited for clarity and brevity.


As an expat, I don’t receive a W2. Does that impact my rate or the terms that I qualify for?

RC: No, not having a W2 does not impact the rate or terms for expats, as the loan programs are designed for clients living and working abroad.

Is now still the right time to invest in U.S. real estate?

DK: Yes, given the current supply constraints, property prices are unlikely to decrease significantly, even with fluctuating interest rates. Buying now can be advantageous since future rate reductions could allow for refinancing at lower rates.

What expenses or costs can we expect when owning a property in the U.S.?

DK: Initial closing costs are around 5% of the loan amount, including fees, insurance, and taxes.

RC: Ongoing costs include property insurance, maintenance, property taxes, and any HOA fees, depending on the type of property.

I stayed up very late for this webinar, and I’m glad I did. As a Canadian, first-time U.S. real estate investor with excellent Canadian credit but no U.S. credit, how do I qualify to buy an investment property? What are the steps?

RC: You do not need U.S. credit to qualify. Programs exist that do not require credit history. Investment properties can qualify based on rental income rather than personal income.

Can you purchase real estate as an LLC?

RC: Yes, purchasing through an LLC is recommended due to liability protection and tax benefits.

How do you manage the properties?

DK: Property management services like Ausplan are available to assist with tenant management, maintenance, and overall property oversight.

How would you describe the current state of the California market?

DK: The California market is mixed. San Francisco is soft but has likely bottomed out, while other areas like Irvine have seen strong price growth.

I have a high-value property in California that is approximately US$18M. I have no debt on the property. It’s important for me to monetize the asset; what are my options?

RC: Options include a conventional mortgage or a short-term bridge loan for faster liquidity. A bridge loan can be arranged quickly, with the option to refinance into a conventional loan later.

Are there any recommendations on how to get the other 20-25%?

RC: Down payment requirements must come from the borrower’s own funds, though leveraging equity from other properties is an option for obtaining the necessary amount.

When should I apply for pre-approval prior to the expected date of purchase? And for how long is pre-approval valid?

RC: Apply for pre-approval when you begin looking for a property. It is valid for 60 days, assuming your financial situation remains the same.

Do we have to be working in the U.S.?

RC: No, it is not necessary to be working in the U.S. The programs are designed for foreign nationals and U.S. expats.

Does owning investment/rental property in the U.S. require me to file tax with the IRS – rental income tax, capital gains or inheritance taxes? Asking from a non-U.S. citizen and Middle East resident perspective.

RC: Yes, rental income requires IRS filing. However, proper tax planning can minimize tax obligations, especially for non-residents.

Does the loan cover other costs, e.g. legal, title, commissions, etc.?

RC: No, the loan covers the purchase price or appraised value but does not include additional costs like legal fees, title insurance, or commissions.

Where are we in the real estate cycle?

DK: Traditional cycles have shifted. With strong demand and supply constraints, despite higher interest rates, the market remains favorable for investment.

Will AM assist buyers with finding real estate across the States?

DK: Yes, America Mortgages can refer clients to vetted realtors and assist with finding suitable properties.

Do you have advisors in Italy I can talk to?

DK: While there are no advisors specifically based in Italy, America Mortgages has loan officers in Europe who can assist.

Can an investor utilize the 10-year interest-only period at any time during the loan term?

RC: The 10-year interest-only period applies at the beginning of the loan term and then converts to a principal and interest loan for the remaining 20 years.

Regarding interest rates, what is your forecast for 2025?

DK: Interest rates are expected to trend downward over time, although the exact rate is uncertain. Lower rates will benefit property investors through refinancing opportunities.

My husband is a dentist in Australia. Eventually, we want to move to the USA because the rest of our family lives there. Any suggestions for us?

DK, RC: If planning to move to the U.S., you can either buy an investment property now and convert it later or purchase a property as a holiday home. Pre-arranging financing with proof of income abroad can ease the transition.

Do we get to choose where we want to go in the U.S., or are there areas that are pre-set up for us?

DK: Investors have the freedom to choose any location. America Mortgages can provide guidance based on investment goals, such as rental income, lifestyle preferences, or market growth.

Does AM provide a one-stop-shop approach to investing in real estate in the U.S., i.e., source the property, secure the finance, manage settlement, etc.?

RC: Yes, they offer a concierge service that includes everything from finding properties to securing financing and property management.

What cities are the most promising, in your team’s opinion?

DK: Promising cities include Texas (Dallas), Georgia, and parts of the Midwest. The choice depends on investment goals and preferences.

In my experience, short-term rental can triple the cash flow. Am I allowed to rent my properties on Airbnb as a foreign citizen? Or must I obtain a working visa to do short-term rental business?

RC: You can qualify for the loan using long-term rental income, but how you rent the property (e.g., Airbnb) is up to you. There may be local requirements or regulations.

What is your down payment request per purchase?

RC: Foreign nationals need a 25% down payment, while U.S. expats need 20%.

How do we know we are getting the best market rate?

RC: As both a direct lender and broker, America Mortgages passes on the best rates available without additional markups.

Will an investor be able to monitor their investment online or via an app? i.e. view property, check capital growth, basic info to keep them satisfied with their investment?

RC: It depends on the property management company, though apps are available to monitor property performance.

Can I do cash out from Turkish property (equity)?

RC: No, loans are not offered for properties in Turkey, but equity from other eligible properties could be considered for investment in the U.S.

Do you charge any broker fees to your client? Or do you collect your commission from the financial institute?

RC: America Mortgages charges a brokerage fee directly to clients to secure competitive rates.

Can commercial property be purchased?

RC: Yes, commercial properties can be financed, though foreign nationals face more restrictions for properties above four units.

What is the standard term on rental agreements for investment properties in the U.S.?

RC: Typical rental agreements range from 12 to 24 months, depending on location and property management policies.

If I have a down payment of circa 25k (25% foreign national), what’s the upper limit/type of property I should be looking at to invest in, i.e. what amount of mortgage can I expect to go for? Also, who organizes things like finding sols/representatives?

RC: With a $25,000 down payment, the minimum property value should be $100,000. America Mortgages can assist with finding suitable realtors.

Loans to commercial properties, e.g. multifamily

RC: Yes, loans for one to four units are straightforward, but foreign nationals face more restrictions for properties with five or more units.

When investors analyze a deal, we will look at different metrics like capitalization rate, cash-on-cash return on investment, cash flow, IRR, and GRM. In your opinion, which metrics outweigh the other metrics? How do you define a good deal?

DK: Emphasizes the “1% rule” for rental income relative to property price and stresses positive cash flow as the key indicator of a good investment.

What about the approval? Are there any stumbling blocks on the way?

RC: Stumbling blocks are minimized through straightforward underwriting, focusing on the property’s cash flow rather than the borrower’s income.

[email protected]

LLC Formation Made Simple. America Mortgages Concierge Series for U.S. Property Investors

Investing in U.S. real estate offers exciting opportunities for foreign nationals and U.S. expats, but structuring these investments correctly is key to protecting the asset and yourself. One effective approach is forming a Limited Liability Company (LLC), which provides benefits like liability protection and tax flexibility. In this week’s America Mortgages Concierge Series, we explore how an LLC can make U.S. property ownership more secure and strategic.

Why an LLC for U.S. Property?

  1. Asset Protection: An LLC limits personal liability, separating property-related risks from individual assets. In the event of a lawsuit or financial claim, this separation helps protect your personal wealth.
  2. Tax Efficiency: LLCs offer flexibility in tax structure, allowing investors to maximize deductions associated with real estate investments and choose how profits are taxed. This can lead to significant tax savings.
  3. Streamlined Estate Planning: Holding real estate in an LLC can make passing property to heirs smoother, often avoiding the probate process. This means less time, lower costs, and an easier transition for your loved ones.
  4. Privacy: By holding property in an LLC, ownership is listed under the company rather than your personal name, providing an extra layer of privacy that’s particularly appealing for high-net-worth investors.

America Mortgages’ LLC Concierge Service in Partnership with Business Anywhere

At America Mortgages, our concierge service includes seamless LLC formation support in collaboration with Business Anywhere. Here’s how our concierge service makes LLC formation hassle-free:

  • Expert Guidance: Our partners at Business Anywhere are well-versed in U.S. LLC requirements, especially for foreign investors, ensuring compliance with local laws and regulations.
  • Efficient Filing and Setup: Business Anywhere assists with state registration and other essential steps, making LLC formation straightforward and accessible for foreign investors.
  • Customized Structures: The LLC is structured to align with your unique investment needs, optimizing for asset protection, tax benefits, and future growth.

Case Study: Expanding Investments in Florida

A client from Canada recently wanted to invest in rental properties in Florida but was concerned about handling liability and tax implications. He connected with Business Anywhere’s experts through our concierge service, who guided him through LLC formation. This setup protected his personal assets from potential property liabilities and provided tax efficiencies to manage his rental income more effectively.

America Mortgages’ LLC formation concierge service is designed to simplify U.S. property ownership so investors can maximize their investment returns and strategy.

The Perfect America Mortgages Loan For Closing Through an LLC

AM Rental Coverage+ allows you to qualify based on the property’s rental income, not your personal income. With loan amounts as low as US$100k and LTVs up to 80% in all 50 U.S. states, this is ideal for seasoned and new real estate investors.

Ready to Form an LLC?

Whether you’re new to U.S. real estate or expanding your portfolio, our LLC formation concierge service, in partnership with Business Anywhere, offers secure and efficient support tailored to your needs.

Our dedicated team is available 24/7 to assist clients across all time zones. If you’re ready to apply for a U.S. mortgage loan, simply click here. For immediate assistance, call us at +1 (845) 583-0830, or schedule a call with one of our loan officers at your convenience.

Stay tuned for next week’s article on insurance solutions, where we’ll cover protecting your U.S. real estate investments.

www.americamortgages.com

Money Transfers Made Easy. America Mortgages Concierge Series for U.S. Property Investors

US Mortgage | US Expat Mortgage

At America Mortgages, our mission is to make U.S. property investment simpler and more accessible for foreign nationals and U.S. expats. Our concierge services go beyond mortgages, delivering comprehensive solutions to address every financial aspect of U.S. real estate transactions. This four-part series will guide you through the strategic partnerships that make our free concierge service a unique resource for international investors. Over the next few weeks, we’ll cover:

  1. Money Transfer
  2. LLC Formation
  3. Insurance
  4. U.S. Tax

We kick off this series with a key aspect of property investment: currency exchange.

Part 1: America Mortgages and Halo Financial — Your Solution for Easy Currency Exchange

Currency exchange is often a complex part of international property purchases. Exchange rate fluctuations can influence the final property price or the cost of monthly mortgage payments. America Mortgages, through its concierge service, has partnered with Halo Financial to provide clients with seamless, cost-effective currency transfer solutions.

With Halo Financial, you get:

  • Personalized Support: Currency specialists guide you on the best time to transfer funds to secure favorable rates.
  • Preferential Rates: You’ll benefit from competitive exchange rates, maximizing value for every transfer.
  • No Transfer Fees: Halo Financial eliminates transfer fees to save you more.
  • Tailored Solutions: Halo Financial’s FX solutions are crafted to meet your unique needs, ensuring smooth, efficient transfers.

A Recent Case Study: 

Our client, a U.S. expat living in Singapore, recently purchased a vacation home in Miami. She needed to convert funds from Singapore dollars to U.S. dollars but was concerned about exchange rate timing. Through America Mortgages’ free concierge service, she connected with Halo Financial’s experts, who advised her on the best time to transfer funds, saving time and securing the best exchange rate. Our client’s experience highlights our dedication to providing practical, cost-effective solutions for our clients.

Whether you’re a first-time investor or expanding your portfolio, America Mortgages’ free concierge services make securing financing for U.S. real estate investments easier than ever.

Our team works around the clock, seven days a week, to support clients in every time zone. If you’re ready to apply for a U.S. mortgage loan, you can use this link. To speak with a loan officer immediately, call us at +1 (845) 583-0830 or schedule a call with one of our loan officers at your convenience.

We look forward to helping you reach your investment goals. Next week, we’ll dive into the importance of forming an LLC for U.S. property purchases. Stay tuned—your journey to simplified property investment starts here!

www.americamortgages.com 

It’s now easier to apply for a U.S. mortgage loan! 

US Mortgage Loan | US Mortgage for Non-residents

America Mortgages Launches New Application Platform for Non-Resident U.S. Real Estate Investors

The first step when buying or refinancing U.S. real estate is to get approved. This straightforward process ensures that every client is aware of and understands the mortgage options, associated fees, and is issued a pre-approval letter. This letter serves as assurance to the seller’s realtor that you have already completed the pre-approval process for a mortgage loan and are interested in purchasing their property.

We’ve now made this process easier and more transparent! 

America Mortgages, the leader in financing solutions for non-resident (foreign nationals and U.S. expats) U.S. real estate investors, is proud to announce the launch of its innovative online application platform. Designed with the unique needs of international investors in mind, the platform allows users to seamlessly complete a loan application from anywhere in the world, ensuring an easy, secure, and efficient experience.

The new platform offers a suite of advanced features aimed at simplifying the loan application process for non-residents:

  1. Multilingual Accessibility: Applications are available in a variety of languages, making it easier than ever for international borrowers to navigate the loan process without language barriers.
  2. 32-bit Encryption Security: With robust 32-bit encryption, the platform ensures that sensitive financial documents and personal data remain secure, providing peace of mind for investors.
  3. Personalized Experience: Each borrower receives a tailored experience, including a step-by-step timeline of their application’s progress. Borrowers can track each stage of the process, ensuring they are always informed and engaged.
  4. 24/7 Communication: The platform enables real-time communication with loan officers and support teams around the clock. Borrowers can ask questions, receive updates, and handle any issues without delays, ensuring a smooth loan application journey.
  5. Common Sense Underwriting: America Mortgages has loan programs that qualify only on the rental income of the property on a 1:1 ratio. If the monthly rent can cover the monthly mortgages, the loan will qualify. Loan features include up to 80% LTV, availability in all 50 states, and loan amounts ranging from $100k to $3M.

At America Mortgages, we have one focus: providing market-rate U.S. mortgage loans for non-U.S. residents. This is all we do, and we firmly believe no one does this better. 

The new platform reflects America Mortgages’ commitment to providing innovative, client-centric solutions for global investors. Whether you’re a first-time investor or expanding your portfolio, America Mortgages makes it easier than ever to secure financing for U.S. real estate investments.

Our team works 24 hours a day, 7 days a week, to assist our clients with their needs. If you’re ready to apply for a U.S. mortgage loan, you can use this link.

If you’d like to speak with a loan officer right away, you can call +1 (845) 583-0830, or you can schedule a call with a loan officer anytime here.

We look forward to working with you!

Home Equity on Demand! Asset-Backed Mortgages by America Mortgages

With the collective equity in U.S. real estate reaching $33 trillion, demand for asset-backed mortgages, often called bridge loans, is increasing. According to Business Insider, this surge in real estate equity wealth presents a prime opportunity for U.S. real estate investors to leverage their property value. These short-term loans let investors quickly access property equity to fund various financial goals.

America Mortgages provides customized asset-backed loans, which have become a popular choice for foreign nationals and U.S. expats looking for quick and flexible financing options for a variety of financial needs, such as buying new properties, funding renovations, or addressing business opportunities quickly and easily.

Why Use Asset-Backed Mortgages?

With banks continually tightening requirements for mortgage loans, asset-backed lending is becoming a vital tool for real estate investors. Rather than using personal or company financials, asset-backed mortgages allow investors to use their property as collateral to access cash quickly. These loans help bridge the gap between buying and selling properties, fund renovations, or support business opportunities. This type of financing can be particularly advantageous in scenarios like:

  • Quick Access to Cash: America Mortgages provides funding within 5-14 days, which is crucial for investors who need to act fast when opportunities arise.
  • Flexible Use: Asset-backed mortgages are useful when you need quick access to liquidity in a fast-moving market. They’re also practical if you’ve bought a new property but can’t sell your existing one in time.
  • Alternative for Financial Challenges: For those with financial challenges, including issues with payment history, asset-backed loans offer a workable alternative when traditional financing is difficult to obtain.

Key Benefits of America Mortgages Asset-Backed Loans

  1. High Loan-to-Value Ratios: America Mortgages allows investors to leverage up to 70% of their property’s value, giving them access to significantly more cash compared to standard loans.
  2. Short-Term Flexibility: Loan terms can vary from as short as six months to a few years, offering a temporary bridge to more long-term financing solutions when needed.
  3. Simplified Qualification Process: As with everything we do at America Mortgages, these loans are structured for foreign nationals and expats. These asset-backed loans do not require the rigorous credit checks and income documentation that are typically necessary with traditional loans, making the approval process more streamlined and accessible.

AM Bridge+ Loan Program

The America Mortgages Bridge+ Loan Program provides quick access to capital with competitive rates and streamlined processing tailored to meet the needs of global investors.

Key Loan Features and Requirements

  • Income: No personal income required
  • Credit: No U.S. credit is required
  • Eligible Loan Types: Purchase, refinance, and cash-out refinance
  • Term Lengths: 12-24 months
  • Loan Amounts: US$300,000 to US$100m
  • Payment Options: Monthly, interest-only, interest rolled up
  • Loan-to-Value (LTV): Up to 70%
  • Location: All 50 U.S. States
  • Underwriting: Property value-based only 
  • Amortization: Interest-only Servicing 
  • Closing Time: 5-14 days

Is an Asset-Backed Mortgage Right for You?

If you have equity in a property and need quick, flexible financing, an asset-backed mortgage might be the solution. America Mortgages offers options that help fund property purchases, renovations, and other financial needs—perfect for foreign nationals and U.S. expats seeking fast, flexible solutions.

For more information on how America Mortgages’ asset-backed loans can be advantageous for you, get in touch with us today at +1 (845) 583-0830. Whether you’re purchasing, renovating, or simply looking to tap into your property’s value, an asset-backed mortgage could offer the flexibility you’re looking for. Schedule a meeting with one of our loan officers using our 24/7 calendar link, and let’s turn your home equity into cash.

www.americamortgages.com

Expanded Cash Flow Loans for U.S. Real Estate Investors!

Loans for U.S. Real Estate | U.S. Mortgage

Have you been turned away by U.S. banks because of foreign-earned income? Can’t get a mortgage due to having no U.S. credit history? America Mortgages not only understands, we have lived it. Founded by two American expats, America Mortgages’ loan programs are tailored and specific to non-U.S. residents, whether they are foreign nationals, green card holders, or U.S. expats. 

Many overseas investors face challenges when trying to invest in U.S. real estate. Traditional lenders often ask for U.S. credit scores, tax returns, and strict income rules, which makes it hard for international investors to qualify for loans — even when they are more qualified than many U.S. borrowers. 

Having access to leverage in the world’s largest and most stable real estate market should be straightforward, logical, and affordable. But it’s not…until now! 

At America Mortgages, we accepted the challenge of making U.S. mortgage financing available for global real estate investors. That’s why we offer common sense underwriting. Instead of focusing on U.S. credit scores or tax returns, we look at the property’s cash flow and your ability to make payments. This approach makes it easier for foreign nationals and U.S. expats to secure a mortgage and invest in U.S. real estate. 

The Problem with Traditional Underwriting

One of the biggest challenges for international investors is that traditional underwriting relies on U.S. financial records like credit scores and tax filings. For foreign nationals who don’t have U.S. credit, this is a major roadblock.

Even U.S. expats, who may have great credit, can face problems because their income comes from outside the U.S. or they don’t receive a W2 (end-of-year statement). This can lead to rejections or less favorable loan terms, regardless of their relationship with U.S. banks.

Traditional U.S. bank underwriting doesn’t fit the needs of most international investors, creating unnecessary obstacles, stress and complexity when investing in U.S. real estate.

International Mortgages for U.S. Properties:

In certain countries such as Canada, some banks may offer U.S. mortgage financing but it comes with limitations and challenges. Besides impacting the local debt-to-income ratio in their home country, there are limitations on loan-to-value (LTV) and potentially the type of property and location. 

As America Mortgages uses onshore U.S. funding, it does not reflect nor impact the borrower’s home country’s credit report. 

What is Common Sense Underwriting?

America Mortgages uses a different approach with common sense underwriting. This system is built to help foreign nationals and U.S. expats, focusing on the property’s rental income instead of relying on U.S. credit scores and tax documents. This makes it easier for U.S. expat and foreign national investors to get qualified.

Introducing Two New Loan Programs: AM Complete and AM Expanded

AM Complete and AM Expanded – these loans are built on common sense underwriting, meaning they focus on the rental income of the property, not the borrower’s credit history or personal income. 

What Can These Loans Be Used For?

  • Property Purchase: Whether you’re buying your first investment property or expanding your portfolio, our loans can be used for property purchases.
  • Equity Release / Cash-Out: If you already own U.S. property and want to access the equity, you can use these loans for cash-out refinancing, giving you the flexibility to use the funds as needed.

AM Complete Loan Program

The AM Complete loan is designed for foreign nationals and U.S. expats focusing only on the property’s cash flow, not your U.S. credit history or tax returns.

Key Features:

  • Loan amounts from $150,000 to $3.5M
  • Up to 80% LTV for U.S. Citizens and 75% loan-to-value for Foreign Nationals 
  • No U.S. credit required for Foreign Nationals 
  • Interest-only option for the first 10 years, which helps increase rental yields
  • Can be structured for individuals, entities, or trusts
  • Fast, stress-free closing times

AM Expanded Loan Program

The AM Expanded loan is for investors with smaller to medium-sized loans. This program is excellent for those who may not meet strict traditional lending rules for income and property values. Like AM Complete, it focuses on the property’s rental income, not the borrower’s personal income. 

Key Features:

  • Loan amounts from $55,000 to $2M
  • Up to 75% LTV for U.S. Citizens, 70% for Foreign Nationals 
  • Interest-only option for 10 years, which helps increase the rental yields
  • Available only to U.S. entities such an LLC (not individuals)
  • Requires proof of 12 months of payments (non-encumbered)
  • Fast, stress-free closing times 

Why Common Sense Underwriting Works

Common sense underwriting is easier and more practical for foreign nationals and U.S. expats. America Mortgages looks at all investment property as a cash-flowing asset. If the rents cover the mortgage, then the loan will qualify. 

  • Focus on Rental Income: The property’s rental income is the main focus, not your personal income, making it a straightforward way to qualify.
  • Simple Process: With fewer paperwork requirements, such as tax returns, loans get approved faster.
  • More Access: Common sense underwriting opens U.S. real estate to global investors by making it easier for investors to qualify for a U.S. mortgage.

If you’re a foreign national or U.S. expat looking to invest in U.S. real estate, America Mortgages is here to assist. Our AM Complete and AM Expanded loans offer flexible and straightforward solutions focused on rental income and cash flow, making it easier for international investors to invest in the U.S. real estate market.

You can speak to a loan officer anytime by calling us at +1 (845) 583-0830 or schedule a no-obligation meeting using our 24/7 calendar link. We’re ready to help!

www.americamortgages.com