Author: Premela R.

Foreign Investors Are Using THIS Loan to Buy U.S. Short-Term Rentals

The U.S. short-term rental (STR) market continues to be one of the most profitable real estate investment opportunities for both U.S. expats and foreign national investors. Demand remains strong, with the U.S. STR bookings up 7% year-over-year in 2024 and occupancy rates projected to reach 56% by the end of 2025, according to AirDNA. Platforms like Airbnb and Vrbo have made it easier than ever to turn vacation homes and rental properties into steady income streams. However, financing these properties—especially for foreign nationals and U.S. expats—can often be the biggest hurdle.

That’s where America Mortgages’ Short-Term Rental+ loan program steps in.

This specialized financing solution is built specifically for international investors and U.S. expats looking to break into the U.S. STR market—without the typical roadblocks.

Why It Works for Investors

Unlike traditional mortgage products that require U.S. credit history or proof of personal income, AM Short-Term Rental+ is different.

You qualify based on the property’s rental income—not your personal income.

If the projected short-term rental income covers your mortgage payment—you qualify.
It’s that simple.

Key Benefits: 

  • Minimum Loan Amount: Starting from $100,000
  • Loan-to-Value: Up to 80% for U.S. citizens and 75% for foreign nationals
  • Underwriting: Based on the property’s rental income, with no personal income documents required
  • Credit Requirements: No U.S. credit required
  • Closing Time: Typically 30-45 days

Tailored Financing for U.S. STR Investments

Whether you’re buying a beach house in Florida, a cabin in the Smoky Mountains, or an urban loft in Austin, the U.S. STR market is full of opportunities. With rising rental demand and average daily rates increasing year over year, securing the right financing is key to maximizing your returns.

The AM Short-Term Rental+ program makes that financing possible—no U.S. credit score, no W-2s, just the property’s income potential.

Short-term rentals aren’t the only profitable path for foreign investors looking at U.S. real estate. Last week, we explored Section 8 investing—a strategy that offers guaranteed rental income through government-backed tenants.

Missed Our STR Webinar?

If you haven’t already, watch our exclusive webinar, “Unlock the Secrets to U.S. Airbnb & Short-Term Rentals.”
👉 Recording Available Here

Key Q&A Takeaways with Robert Chadwick (RC) and Rob Mehta (RM):

How do STR investors protect their investments during slow periods?
RM: Risk is higher on the coasts due to weather and insurance costs, but demand stays strong in peak seasons. Adjusting rates in slower months and using the property personally during downtime are common approaches.

What types of properties and upgrades perform best?
RM: Private pools for single-family homes are essential, while condos with amenities like gyms and community pools attract families. Proximity to restaurants and attractions boosts bookings and reviews.

How long does it take for non-U.S. citizens to get financing?
RC: Pre-approval within 24-72 hours; closing typically in 30-45 days. No U.S. credit is required.

Most popular financing option for STR investors?
RC: AM Short-Term Rental+ Loan—qualifies based on rental income, not personal income.

What’s the current rate for a 30-year fixed mortgage?
RC: High 6% range for U.S. citizens, typically 0.5% to 1% higher for foreign nationals.

👉 Read the full Q&A Here.

Ready to Invest?

Whether you’re a foreign investor looking to maximize U.S. rental income or a U.S. expat seeking to build your property portfolio, our Short-Term Rental+ Loan gives you the financing solution to make it happen—fast.

Speak to our team today and start unlocking the U.S. STR market.

Q&A: Unlock the Secrets to U.S. Airbnb & Short-Term Rentals

In the exclusive webinar, “Unlock the Secrets to U.S. Airbnb & Short-Term Rentals,” Robert Chadwick, CEO of America Mortgages, and Rob Mehta, U.S. Real Estate Investment Expert, shared expert insights into the booming short-term rental (STR) sector, with a focus on Florida’s most promising investment opportunities.

For those who missed it, the recording is available here.

During the session, RC and RM addressed key questions, covering market trends, property performance comparisons, and tailored financing solutions designed specifically for foreign nationals and U.S. expats investing from abroad.

Remarks have been edited for clarity and brevity.

Given Florida’s hurricane seasons and insurance challenges, how do STR investors protect their investments and stay profitable during slow periods?

RM: Hurricanes and the weather are definitely an ongoing concern. Your risk is higher on the coasts, and that reflects in higher insurance costs, which can cut into profitability. However, demand for short-term rentals in coastal markets is also very strong, which balances things out. Investors should be aware that during slower seasons, they may need to adjust pricing to remain competitive. Many owners also choose to use their own properties during off-seasons as a way to maximize value while waiting for demand to rise again.

What are your thoughts on the competing markets within Florida – for example, how does investing in Orlando’s tourist corridor compare to beachfront properties in Tampa or Miami in terms of ROI and occupancy rates?

RM: It mostly comes down to volatility. Coastal markets tend to be more seasonal, with stronger swings in occupancy and pricing, whereas Central Florida—particularly Orlando—is a much more stable market year-round. Orlando is the largest family travel market in the state, and demand remains fairly consistent because of theme parks like Disney and Universal. That said, ROI often ends up being higher in markets that experience greater volatility, but of course, that also means a higher level of risk.

What amenities or property upgrades tend to deliver the best return on investment for Florida STRs?

RM: For villa-style properties, having a private pool is essential. It’s one of the top features guests look for, and homes with pools consistently outperform those without. When it comes to condos, amenities like a community pool, playgrounds, walking paths, and access to a fitness center or clubhouse are key. Another major factor is proximity to restaurants, shopping, and entertainment. That plays directly into guest satisfaction, which then impacts reviews—and ultimately, bookings.

What types of properties—condos, single-family homes—tend to perform best as STRs?

RM: It really depends on location more than property type. Condos tend to have higher HOA fees, which can eat into profitability, while single-family homes generally have fewer ongoing costs. That said, condos often come with built-in amenities that attract guests, while single-family homes provide more space and privacy, which can be a big advantage in certain markets.

Did I hear that the first 10 years are interest-only payments?


RC: Yes, we offer a 10-year interest-only option. For the first 10 years, you’ll only pay interest. After that, the loan converts to principal and interest payments for the remaining 20 years—at the same fixed rate.

For the 10-year interest-only – is that optional or mandatory?


RC: It’s optional. You can choose between the 10-year interest-only option or a fully amortizing 30-year fixed-rate loan, depending on your preference.

How much is the AM application fee?

RC: There’s no application fee. You can submit your documents securely, and we typically issue pre-approvals within 24 to 72 hours.

I’m not a U.S. citizen, so how long would it take for me to get mortgage approval with America Mortgages?

RC: The process is quite fast. Once your documents are submitted, pre-approval can be issued in 24 to 72 hours. Full loan approval and closing usually take around 30 to 45 days. No U.S. credit history is required.

Hi Robert, can you give a breakdown of your service fees, with rough estimates?

RC: Our origination fee is typically 2% of the loan amount, payable only upon closing. Standard closing costs—like title, escrow, and insurance—are similar to what U.S. citizens pay and vary by state. Everything is transparent, and all fees are disclosed upfront. Some of these costs may be tax-deductible, so we always recommend checking with a tax advisor.

Which loan program is the most popular for investors keen on short-term rentals?

RC: The Short-Term Rental (STR) Loan Program is the most popular. It qualifies you based on the property’s rental income, not your personal income. Sometimes, the Loan-to-Value (LTV) is a little lower, around 65%, compared to 75% for long-term rental loans. Some clients also qualify based on long-term rental income and later operate the property as a short-term rental.

Which states do you handle property management in?

RM: We don’t directly manage properties, but we work closely with property managers across the U.S., especially in Florida, and can connect you with trusted partners. Full-service STR management typically costs 15-25% of rental income, while booking-only services are around 10-15%.

Can you share examples of effective marketing strategies for Florida STRs on platforms like Airbnb, especially during slower seasons?

RM: Transparent pricing is key—avoid adding hidden fees like cleaning separately. Bundle it into your nightly rate to prevent deterring guests. Listings should be accurate, especially regarding access details and amenities, as guest complaints can hurt your reviews. Work with managers who list your property across multiple platforms like Airbnb, Vrbo, and Booking.com. Using dynamic pricing tools is crucial to stay competitive, and setting a minimum rate—like $150 per night—can protect your margins while still allowing for flexibility in the off-season.

What is the current rate for the 30-year fixed?

RC: Rates for U.S. citizens are currently floating just below 7%, typically in the high 6% range up to 7%. For non-U.S. citizens, rates are generally about 0.5% to 1% higher than U.S. citizen rates.

Would you recommend buying a condo in Orlando for STR, given the new law on condos and higher HOA fees?

RM: Condos in Orlando can still be a good investment, but you need to do your homework. The new condo laws, introduced after the Surfside collapse, mostly impact older high-rise buildings. They require more structural inspections and reserve funds, which can increase HOA fees. Also, check that short-term rentals are actually allowed, as many condos prohibit them. While condos can generate good income, single-family homes and townhouses often appreciate better and may have lower fees.

Guaranteed Rental Income? Profit from Section 8 Investing

For foreign nationals and U.S. expats investing in U.S. real estate, one of the most rewarding opportunities lies in generating steady cash flow. Owning U.S. rental properties can be incredibly profitable, offering the potential for long-term financial growth. With smart strategies, you can minimize vacancies and ensure consistent tenant payments, transforming your investment into a reliable source of income and a pathway to financial success.

What if there was a way to GUARANTEE at least a portion—if not all—of your rental income, backed by the U.S. government? Now that is exciting and…REAL! 

Introducing Section 8 investing: savvy investors are turning to Section 8 properties for their consistent rental income, high tenant demand, and long-term lease agreements. If you’re looking for an investment strategy that minimizes risk while maximizing returns, here’s what you need to know.

What Is Section 8?

The Section 8 Housing Choice Voucher Program, administered by the U.S. Department of Housing and Urban Development (HUD), helps low-income families afford housing. Rather than paying full rent, qualifying tenants receive government-funded subsidies—paid directly to landlords.

For investors, this means:

  • Reliable rental payments – The U.S. government guarantees a portion (or even 100%) of the rent.
  • Lower vacancy risk – High demand for affordable housing keeps properties occupied.
  • Long-term tenants – Section 8 renters often stay for years, reducing turnover costs and vacancy periods.

Why Foreign Investors Are Targeting Section 8 Properties

1. Government-Backed Rental Income

In an unpredictable global economy, a rental income stream backed by the U.S. government provides unmatched financial stability. With Section 8, landlords don’t have to worry about whether tenants can make rent—the U.S. government ensures timely payments.

2. Strong Demand, Low Vacancy Risk

The U.S. has an ongoing shortage of affordable housing, which means Section 8 properties are in constant demand. Many landlords even report waitlists of pre-approved tenants.

3. High Cash Flow Potential

Contrary to common belief, Section 8 rental rates often match or exceed market rates in many U.S. cities. Add in guaranteed payments and lower turnover costs, and your cash flow becomes far more predictable.

4. Simplified Financing for Foreign Nationals & Expats

With guaranteed income from the U.S. government,qualifying becomes very straightforward. At America Mortgages, we specialize in financing solutions for foreign nationals and U.S. expats—no U.S. credit score and loans that qualify on the property cash flow and not your personal income.

5. Long-Term Tenants, Less Hassle

Tenant turnover is one of the biggest headaches for property investors. Section 8 tenants, however, tend to stay in their rental homes for years, saving landlords time and money on marketing, screening, and vacancy costs.

How to Invest in Section 8 as a Foreign National or U.S. Expat

Step 1: Choose the Right Market

Not all markets are created equal when it comes to Section 8 investing. Some cities offer stronger rental demand and higher rent ceilings. Top locations include:

  • Atlanta, Georgia – Affordable entry prices with strong rental demand.
  • Houston, Texas – Business-friendly state with no income tax.
  • Detroit, Michigan – High Section 8 rent caps relative to property prices.
  • Miami, Florida – Strong demand from both local and international renters.

Step 2: Secure Financing

America Mortgages makes financing easy for foreign nationals and U.S. expats with:

  • No U.S. credit score required.
  • Qualify on the property’s cash flow. No Personal Income Required.
  • Loan-to-Value (LTV) Up to 80% for U.S. citizens and 75% for foreign nationals.

Step 3: Get Section 8 Approval

Either buy existing Section 8 property or have your property approved for Section 8 tenants. Your property manager can normally assist with this, as it must pass a HUD inspection to meet housing quality standards. Once approved, you’ll have access to a steady pool of government-backed tenants.

Step 4: Partner with a Property Manager

Finding the right property management while living overseas isn’t difficult. There are many experienced professionals looking for more inventory. A property management company experienced in Section 8 housing can handle tenant placement, rent collection, and maintenance, ensuring a hassle-free experience. At America Mortgages, we can connect you with trusted property management partners to make your investment truly hands-off.

Why Section 8 Should Be on Every Foreign Investor’s Radar

If you’re looking for an investment that offers:

  • Predictable, government-backed rental income
  • High tenant demand with low vacancy risk
  • Tailored financing solutions for foreign buyers
  • A long-term, hands-off approach to real estate investing

…then Section 8 properties may be the perfect fit for your portfolio.

The Disadvantages of Section 8 Investing

Like any real estate investing, America Mortgages encourages all its clients to research and analyse. Some common disadvantages of Section 8 include the following;

  1. Limited Control Over Tenant Selection:
    You must comply with fair housing laws and cannot discriminate against Section 8 voucher holders, which may limit your ability to screen tenants as rigorously as you would in the private market.
  2. Market Perception:
    Some investors worry that Section 8 properties may be stigmatized, potentially affecting the property’s resale value or appeal to future buyers.
  3. Higher Wear and Tear:
    Some investors report that Section 8 properties may experience more wear and tear, leading to higher maintenance costs over time.

Financing Your Section 8 Investment with America Mortgages

At America Mortgages, we help foreign nationals and U.S. expats finance U.S. real estate investments. With a minimum loan size of $100,000 and qualifying only on the rental income in all 50 states, we make U.S. real estate investing easy, transparent and straightforward. 

Contact us today to learn how we can help you secure financing for your next Section 8 investment property.

Speak with a U.S. loan specialist 24/7: +1 (845) 583-0830
Schedule a consultation: Visit www.AmericaMortgages.com
Email us: [email protected]

Ingresos de Alquiler Garantizados? Gana con Inversiones en la Sección 8

Para ciudadanos extranjeros y expatriados estadounidenses que invierten en bienes raíces en EE. UU., una de las oportunidades más gratificantes radica en generar un flujo de efectivo constante. Ser propietario de propiedades de alquiler en EE. UU. puede ser increíblemente rentable, ofreciendo el potencial de crecimiento financiero a largo plazo. Con estrategias inteligentes, puedes minimizar las vacantes y garantizar pagos consistentes de los inquilinos, transformando tu inversión en una fuente confiable de ingresos y un camino hacia el éxito financiero.

¿Y si existiera una manera de GARANTIZAR al menos una parte—o incluso la totalidad—de tus ingresos por alquiler, respaldada por el gobierno de EE. UU.? Eso es emocionante y… ¡REAL!

Presentamos la inversión en el programa Sección 8: los inversores experimentados están recurriendo a propiedades de la Sección 8 por sus ingresos por alquiler constantes, alta demanda de inquilinos y contratos de arrendamiento a largo plazo. Si buscas una estrategia de inversión que minimice el riesgo y maximice los rendimientos, esto es lo que necesitas saber.

¿Qué es la Sección 8?

El Programa de Vales de Elección de Vivienda de la Sección 8, administrado por el Departamento de Vivienda y Desarrollo Urbano de EE. UU. (HUD), ayuda a las familias de bajos ingresos a costear una vivienda. En lugar de pagar el alquiler completo, los inquilinos que califican reciben subsidios financiados por el gobierno—pagados directamente a los propietarios.

Para los inversores, esto significa: Pagos de alquiler confiables – El gobierno de EE. UU. garantiza una parte (o incluso el 100%) del alquiler. Menor riesgo de vacantes – La alta demanda de viviendas asequibles mantiene las propiedades ocupadas. Inquilinos a largo plazo – Los inquilinos de la Sección 8 suelen quedarse por años, reduciendo los costos de rotación y los periodos de vacancia.

Por qué los Inversores Extranjeros Apuntan a Propiedades de la Sección 8

  1. Ingresos por Alquiler Respaldados por el Gobierno

En una economía global impredecible, una fuente de ingresos por alquiler respaldada por el gobierno de EE. UU. brinda una estabilidad financiera inigualable. Con la Sección 8, los propietarios no tienen que preocuparse por si los inquilinos pueden pagar el alquiler—el gobierno de EE. UU. asegura pagos puntuales.

  1. Fuerte Demanda, Bajo Riesgo de Vacancia

EE. UU. enfrenta una escasez continua de viviendas asequibles, lo que significa que las propiedades de la Sección 8 están en constante demanda. Muchos propietarios incluso informan listas de espera de inquilinos preaprobados.

  1. Alto Potencial de Flujo de Efectivo

Contrario a la creencia popular, las tarifas de alquiler de la Sección 8 a menudo igualan o superan las tarifas de mercado en muchas ciudades de EE. UU. Si se suman los pagos garantizados y los menores costos de rotación, tu flujo de efectivo se vuelve mucho más predecible.

  1. Financiamiento Simplificado para Ciudadanos Extranjeros y Expatriados

Con ingresos garantizados por el gobierno de EE. UU., calificar se vuelve muy sencillo. En America Mortgages, nos especializamos en soluciones de financiamiento para ciudadanos extranjeros y expatriados estadounidenses—sin necesidad de historial crediticio en EE. UU. y préstamos que se califican según el flujo de efectivo de la propiedad y no tus ingresos personales.

  1. Inquilinos a Largo Plazo, Menos Complicaciones

La rotación de inquilinos es uno de los mayores dolores de cabeza para los inversores inmobiliarios. Sin embargo, los inquilinos de la Sección 8 tienden a quedarse en sus hogares de alquiler por años, ahorrando tiempo y dinero a los propietarios en marketing, selección y costos de vacancia.

Cómo Invertir en la Sección 8 como Ciudadano Extranjero o Expatriado Estadounidense

Paso 1: Elegir el Mercado Adecuado

No todos los mercados son iguales cuando se trata de invertir en la Sección 8. Algunas ciudades ofrecen una demanda de alquiler más fuerte y techos de renta más altos. Ubicaciones principales incluyen: Atlanta, Georgia – Precios de entrada asequibles con fuerte demanda de alquiler. Houston, Texas – Estado con políticas favorables a los negocios y sin impuesto sobre la renta. Detroit, Michigan – Altos techos de renta de la Sección 8 en relación con los precios de las propiedades. Miami, Florida – Fuerte demanda de inquilinos locales e internacionales.

Paso 2: Asegurar Financiamiento

America Mortgages facilita el financiamiento para ciudadanos extranjeros y expatriados con: Sin necesidad de historial crediticio en EE. UU. Calificación basada en el flujo de efectivo de la propiedad. No se requieren ingresos personales. Préstamos con una relación préstamo-valor (LTV) de hasta el 80% para ciudadanos estadounidenses y 75% para ciudadanos extranjeros.

Paso 3: Obtener Aprobación de la Sección 8

Puedes comprar una propiedad que ya pertenezca al programa Sección 8 o hacer que tu propiedad sea aprobada para inquilinos de la Sección 8. Tu administrador de propiedades normalmente puede ayudarte con esto, ya que la propiedad debe pasar una inspección de HUD para cumplir con los estándares de calidad de vivienda. Una vez aprobada, tendrás acceso a un flujo constante de inquilinos respaldados por el gobierno.

Paso 4: Asociarte con un Administrador de Propiedades

Encontrar la administración de propiedades adecuada mientras vives en el extranjero no es difícil. Hay muchos profesionales con experiencia buscando más inventario. Una compañía de administración de propiedades con experiencia en viviendas de la Sección 8 puede encargarse de la colocación de inquilinos, cobranzas y mantenimiento, garantizando una experiencia sin complicaciones. En America Mortgages, podemos conectarte con socios de administración de propiedades de confianza para que tu inversión sea verdaderamente pasiva.

Contacta con nosotros hoy para saber cómo podemos ayudarte a asegurar financiamiento para tu próxima propiedad de inversión en la Sección 8.

Habla con un especialista en préstamos en EE. UU. 24/7: +1 (845) 583-0830 Programa una consulta: Visita www.AmericaMortgages.com Correo electrónico: [email protected]

租金收入有保障？從Section 8投資中獲利

對於投資美國房地產的外國公民和美國外籍人士來說，最有價值的機會之一在於獲得穩定的現金流。擁有美國出租房產可以非常有利可圖，為長期財務增長提供潛力。通過明智的策略，你可以最大限度地減少空置率，確保租戶穩定付款，將你的投資轉變為可靠的收入來源，邁向財務成功的道路。

如果有一種方式可以保證你至少部分甚至全部的租金收入，而且是由美國政府支持的呢？這確實令人興奮，而且是真實存在的！

介紹Section 8投資：精明的投資者正在轉向Section 8房產，以獲得穩定的租金收入、高租戶需求和長期租約。如果你正在尋找一種既能降低風險又能最大化收益的投資策略，以下是你需要了解的內容。

什麼是Section 8？

Section 8住房選擇券計劃由美國住房和城市發展部（HUD）管理，幫助低收入家庭負擔住房費用。符合條件的租戶不需支付全部租金，他們獲得由政府資助的補貼，直接支付給房東。

對於投資者來說，這意味著： 可靠的租金支付 – 美國政府保證支付部分（甚至100%）的租金。 較低的空置風險 – 對於可負擔住房的高需求使房產保持滿租狀態。 長期租戶 – Section 8租戶通常會居住多年，減少換租成本和空置期。

為什麼外國投資者瞄準Section 8房產

  1. 政府支持的租金收入

在不可預測的全球經濟中，由美國政府支持的租金收入流提供了無與倫比的財務穩定性。有了Section 8，房東不必擔心租戶能否支付租金，美國政府確保按時支付。

  1. 強勁需求，低空置風險

美國一直面臨可負擔住房短缺，這意味著Section 8房產始終供不應求。許多房東甚至表示，有許多預先批准的租戶在等待入住。

  1. 高現金流潛力

與普遍看法相反，Section 8的租金水平在許多美國城市往往等同甚至高於市場價格。再加上保證支付和較低的換租成本，你的現金流將更加穩定可預測。

  1. 為外國公民和外籍人士提供簡化的融資方式

有了美國政府保證的收入，申請貸款變得非常簡單。在America Mortgages，我們專門為外國公民和美國外籍人士提供融資解決方案——不需要美國信用記錄，貸款資格取決於房產現金流，而非個人收入。

  1. 長期租戶，更少麻煩

租戶流失是房產投資者最頭疼的問題之一。然而，Section 8租戶往往會在租住房屋中居住多年，節省了房東在市場推廣、租戶篩選和空置成本上的時間和金錢。

外國公民或美國外籍人士如何投資Section 8

第1步：選擇合適的市場

並非所有市場都適合Section 8投資。一些城市的租賃需求更強，租金上限更高。以下是一些熱門地點： 亞特蘭大，喬治亞州 – 低入市價格，高租賃需求。 休斯頓，德克薩斯州 – 親商環境，無州所得稅。 底特律，密歇根州 – Section 8租金上限相對於房價較高。 邁阿密，佛羅里達州 – 當地及國際租戶需求旺盛。

第2步：獲取融資

America Mortgages為外國公民和美國外籍人士提供便利的融資方式： 無需美國信用記錄。 根據房產現金流來審核資格，無需個人收入證明。 貸款成數（LTV）最高可達80%（美國公民），外國公民最高75%。

第3步：獲得Section 8認證

你可以購買現有的Section 8房產，或讓你的房產獲得Section 8租戶認證。通常，物業管理公司可以協助辦理此事，房產需通過HUD檢查，以符合住房質量標準。一旦獲得批准，你將獲得穩定的政府支持租戶資源。

第4步：與物業管理公司合作

即使身在海外，找到合適的物業管理公司也不難。有許多經驗豐富的專業人士正在尋找更多房源。一家有Section 8經驗的物業管理公司可以處理租戶安排、租金收取和維護事宜，確保無憂投資。在America Mortgages，我們可以為你推薦值得信賴的物業管理合作夥伴，使你的投資真正實現“甩手掌櫃”。

為什麼每位外國投資者都應關注Section 8

如果你正在尋找一種投資方式，能夠提供： 穩定、政府支持的租金收入 強勁租戶需求，低空置風險 專為外國買家定制的融資解決方案 長期、省心的房地產投資方式 …那麼Section 8房產可能是你投資組合的完美選擇。

如欲了解如何為你的Section 8房產獲得融資，請聯繫我們：

隨時聯絡美國貸款專家：+1 (845) 583-0830 預約諮詢：訪問www.AmericaMortgages.com 電子郵件：[email protected]

U.S. Dollar Strength and Cash-Out Refinance: Don’t Miss This Opportunity!

The U.S. dollar has reached its strongest levels in years, especially against the Canadian dollar and Mexican peso. According to the Financial Times, this surge is driven by new and potentially new U.S. tariffs and global economic shifts.

For foreign investors and U.S. expats, this creates a unique opportunity. Cash-out refinancing on U.S. property now provides even more value, as a strong dollar means greater purchasing power when converting home equity into foreign currency—whether for new investments, debt repayment, or portfolio growth.

Why the U.S. Dollar’s Strength Matters to Property Owners

The U.S. Dollar Index (DXY), which tracks the dollar against other currencies, has risen sharply. As Reuters reported, the Canadian dollar is at its weakest since 2003, and the Mexican peso has hit a three-year low against the U.S. dollar.

For U.S. property owners abroad, this means equity pulled from real estate today has greater value when converted into foreign currencies. Refinancing now can help lock in these favorable exchange rates before market conditions change.

Key Benefits of Cashing-Out Now

  1. Maximize the Value of Your U.S. Dollars – A strong USD means your cash goes further when converted into foreign currencies.
  2. Pay Off Debt – Use the funds to clear high-interest loans in your local currency.
  3. Invest in New Opportunities – Buy more property or enter other markets.
  4. Increase Cash Flow – Keep liquidity on hand for future expenses or investments.

How America Mortgages Can Help

At America Mortgages, we provide tailored financing solutions for foreign nationals and U.S. expats, including cash-out refinancing, bridge loans, and equity release programs.

Key Loan Highlights: 

  • No Personal Income Required – Ideal for foreign nationals & U.S. expats
  • No U.S. Credit History Needed – Simplified approval process
  • Loan Amounts – Starting from US$100,000
  • Loan-to-Value (LTV) – Up to 80% for U.S. citizens and 75% for foreign nationals
  • Closing Time – Typically 30-45 days
  • Payment Options – Amortizing or Interest-only

Our Trusted FX Partner, Halo Financial, Makes Investing Easier

While financing is key, maximizing your exchange rate is just as important. That’s why we’ve partnered with Halo Financial, a leading foreign exchange specialist, to help you get the most value from your funds when transferring between currencies.

Why Work with Halo Financial for FX?

  • Secure favorable exchange rates for maximum returns.
  • Hedge against market fluctuations with expert FX strategies.
  • Competitive rates & fast, secure transfers to keep your funds working for you.

With America Mortgages and Halo Financial, you can optimize both your financing and currency strategy to maximize the value of your U.S. real estate investment.

Seize the Opportunity While the Dollar is Strong

Exchange rates fluctuate, and with the U.S. dollar at strong levels, now is a great time to take advantage. Locking in a favorable exchange rate today gives property owners the opportunity to access liquidity before the market shifts.

📩 Contact America Mortgages to see how you can leverage your U.S. property for financial growth. Our team is ready to help you make the most of this opportunity. Schedule a call with a loan officer or call us directly at +1 (845) 583-0830 for immediate assistance.

Email us at [email protected]

Visit us online at www.americamortgages.com to learn more.

How to Get a USA Mortgage as a Non-Citizen: A Comprehensive Guide

mortgage specialist

Navigating the U.S. mortgage market as a non-citizen can seem daunting, but it’s entirely possible to secure a home loan even if you’re not a U.S. resident or citizen. Whether you’re an expat, a foreign investor, or a non-resident looking to buy or refinance property in the United States, this guide will walk you through everything you need to know about qualifying for a U.S. mortgage. By the end of this article, you’ll have a clear understanding of how to get a USA mortgage as a non-citizen, the requirements, and the steps to take to make your dream of owning property in America a reality.

Can Non-Citizens Get a Mortgage in America?

Yes, non-citizens can get a mortgage in America! The U.S. real estate market is open to foreign nationals, and lenders such as America Mortgages only offers mortgage programs specifically designed for non-citizens. However, the process and requirements may differ slightly from those for U.S. citizens. The key is understanding the eligibility criteria, documentation, and loan options available to you.

How to Qualify for a U.S. Mortgage as a Non-Resident

Qualifying for a U.S. mortgage as a non-resident involves meeting specific criteria. Here’s a breakdown of the key factors that will determine your eligibility:

1. Visa Status and Residency

  • Work Visa (H-1B, L-1, etc.): If you’re in the U.S. on a work visa, you’ll have an easier time qualifying for a mortgage. Lenders view this as a stable income source.
  • Permanent Residency (Green Card): Green card holders are treated similarly to U.S. citizens and have access to a wide range of mortgage options.
  • Non-Resident Foreign Nationals: As long as you hold a passport for a non-sanctioned country you can qualify for a U.S. mortgage loan. 

2. Credit History

  • U.S. Credit Score: If you have a U.S. credit history, America Mortgages will use your credit score to assess your eligibility. A score of 620 or higher is typically required for conventional loans.
  • No U.S. Credit History? If you don’t have a U.S. credit score, America Mortgages accept an international credit report or alternative credit data (e.g., rental payments, utility bills).

3. Down Payment Requirements

  • Non-citizens often face higher down payment requirements compared to U.S. citizens. Depending on the loan type and your residency status, you may need to put down 25% to 30% of the purchase price or 65/75% of the value for a refinance and/or cash-out equity release.
  • U.S. Expats that maintain U.S. credit can qualify up to 80% of the purchase price and/or refinance. 

4. Income and Employment Verification

  • If you’re a U.S. expat and living and working abroad, America Mortgages will want to verify your income and employment status. If you’re employed in the U.S., you’ll need to provide pay stubs, W-2 forms, and tax returns, however, as a U.S. citizen working outside of the U.S., we do not require a W2 and foreign earned income is allowed. This makes America Mortgages very unique and why it’s the number one choice for U.S. expats obtaining a U.S. mortgage loan.
  • If you’re a non-resident, you may need to provide proof of income from your home country, such as bank statements, employment contracts, or tax documents.
  • America Mortgages also offers a common sense loan program based on DSCR (debt service coverage ratio) – that simply means you can qualify for a U.S. mortgage loan not using any personal income documents, but qualifying on the cash flow of the rental property. It’s common sense underwriting and just makes sense. What makes America Mortgages unique is we offer a 1:1 ratio for DSCR giving the investor more options, more flexibility and better pricing/rates. Excellent loan for a self employed borrower. 

5. Loan Types for Non-Citizens – Foreign Nationals and U.S. Expats

  • Conventional Loans: Available to non-citizens with a valid visa or green card. These loans typically require a higher down payment and a good credit score.
  • DSCR Loans: Loans that qualify on the cash flow of the investment property. No personal income is required. 
  • Portfolio Loans: Own multiple properties and want the convenience of one loan? America Mortgages offer portfolio loans specifically for non-residents. These loans may have more flexible requirements but often come with higher interest rates.

Steps to Get a U.S. Mortgage as a Non-Citizen

1. Determine Your Budget

  • Calculate how much you can afford to spend on a property, including the down payment, closing costs, and monthly mortgage payments.

2. Choose the Right Lender

  • Not all lenders work with non-citizens, so it’s important to find one that specializes in mortgages for foreign nationals. Look for lenders with experience in international transactions.

3. Gather Required Documentation

  • Proof of Identity: Passport, visa, or green card.
  • Proof of Income: Pay stubs, tax returns, or employment contracts.
  • Proof of Assets: Bank statements, investment accounts, or property ownership documents.
  • Credit History: U.S. credit report or international credit report.

4. Get Pre-Approved

  • A mortgage pre-approval will give you a clear idea of how much you can borrow and show sellers that you’re a serious buyer.

5. Work with a Real Estate Agent

  • A knowledgeable real estate agent can help you find properties that meet your needs and guide you through the buying process.

6. Close the Deal

  • Once your offer is accepted, you’ll go through the underwriting process, sign the final paperwork, and close on your new home.

Tips for Success

  • Build a U.S. Credit History: If you plan to buy property in the U.S., start building your credit history as soon as possible. Open a U.S. bank account, apply for a credit card, and make timely payments.
  • Save for a Larger Down Payment: A larger down payment can improve your chances of approval and help you secure better loan terms.
  • Work with a Mortgage Broker or Lender: A mortgage broker or lender who specializes in non-citizen loans can help you navigate the process and find the best lender for your situation. America Mortgages ONLY focus is U.S. mortgages for non U.S. residents, but you can also shop around. Although there may not be companies with only one focus, there may be options to compare. 

Frequently Asked Questions (FAQs)

1. Can I get a U.S. mortgage without a Social Security Number?

  • Yes, is you are a U.S. expat, some lenders offer mortgages to non-citizens without a Social Security Number. You’ll need to provide an Individual Taxpayer Identification Number (ITIN) instead. If you are a non U.S. resident foreign national you do not need a social security number of ITIN.

2. What interest rates can I expect as a non-citizen?

  • Interest rates for non-citizens are typically higher than those for U.S. citizens, especially if you’re a non-resident with no U.S. credit history. If you’re a U.S. Expat America Mortgages loan programs are identical to if you were living in working in the U.S. If you are a foreign national non-resident then you can expat to pay .50-.75% higher than a U.S. citizen rate. When you take into account that this is with no U.S. credit history, this is a fantastic rate and option for international investors buying U.S. real estate. 

3. Can I buy property in the U.S. as an investment?

4. How long does the mortgage process take for non-citizens?

  • The process can take anywhere from 30 to 45 days, depending on your documentation, lender requirements, and the complexity of your financial situation. You do not need to travel to the U.S. to open your mortgage application or sign the closing documents. This can all be done from outside of the U.S. making the process easier.

Final Thoughts

Securing a U.S. mortgage as a non-citizen is entirely achievable with the right preparation and guidance. By understanding the requirements, gathering the necessary documentation, and working with experienced professionals, you can successfully navigate the U.S. mortgage market and achieve your goal of owning property in America.

Whether you’re searching for “how to get a USA mortgage as a non-citizen,” “how to qualify for a U.S. mortgage as a non-resident,” or “can non-citizens get a mortgage in America,” this guide has you covered. Start your journey today and take the first step toward owning your dream home in the United States!

Unlock the Cash Hidden in Your Home to Build Wealth: Short-Term Bridge Loans and Long-Term 30-Year Fixed Options

It’s Easier Than You Think!

Home equity is on the rise across the U.S., and savvy investors—including foreign nationals and U.S. expats—are leveraging this opportunity to grow their real estate portfolios. According to Forbes, U.S. home equity reached an astounding $35 trillion in 2024, creating a wealth-building opportunity for property owners. Whether you’re looking for short-term financing to act quickly or a long-term, stable solution to maximize your investments, America Mortgages has the tools and expertise to help you succeed.  

Home Equity: Your Key to Building a U.S. Real Estate Portfolio  

Home equity has more than doubled in the last seven years, as reported by USA Today, and with property values continuing to climb, now is the perfect time to tap into this valuable asset. Yahoo Finance highlights that home appreciation shows no signs of slowing down, making it an ideal moment to release equity and invest in additional properties.  

By leveraging your home equity, you can:  

– Expand your real estate portfolio by purchasing new properties. 

 America Mortgages can provide market-rate mortgage financing for you to cash out up to 65/70% LTV after only 6 months of owning a property. You can use those funds to purchase one or more additional properties at up to 75% LTV, which gives you the leverage to build a real estate portfolio.

– Fund renovations to increase the value of your existing assets.  

America Mortgages can provide market-rate mortgage financing for you to cash out up to 65/70% LTV after only 6 months of owning a property to add value to your property, increasing its rentability. 

– Seize business opportunities or cover unexpected expenses.  

America Mortgages can provide market-rate mortgage financing for you to cash out up to 65/70% LTV after only 6 months of owning a property to take advantage of a business opportunity. Use your home as an investment to increase your other investment opportunities. 

Whether you’re a seasoned investor or just starting out, releasing equity is a powerful strategy to grow your wealth.

Short-Term Solutions: The AM Bridge+ Loan Program

For investors who need quick access to capital, America Mortgages offers the AM Bridge+ Loan Program, a fast and flexible financing solution designed to help you act swiftly in today’s competitive market. 

Key Features of the AM Bridge+ Loan Program: 

– No Personal Income Required: Ideal for foreign nationals and U.S. expats

– No U.S. Credit History Needed: Simplifying the approval process

– Loan Amounts: From $300,000 to $100 million

– Loan-to-Value (LTV): Up to 70%

– Closing Time: As fast as 5-14 days 

– Payment Options: Monthly, interest-only, or rolled-up interest

This short-term bridge loan is perfect for investors who want to:  

– Purchase new properties quickly

– Fund renovations or flip homes

– Address immediate financial needs without the delays of traditional loans

– Financial situations where you are behind on payments and need more time to sell

Long-Term Stability: America Mortgages 30-Year Fixed Mortgage Options with a 10-Year Fixed Interest Only Feature 

While short-term bridge loans provide immediate flexibility, America Mortgages also offers 30-year fixed-rate mortgagesfor investors seeking long-term stability and predictable payments. These loans are ideal for building a sustainable real estate portfolio, allowing you to lock in low rates and plan for the future with confidence.  

Benefits of 30-Year Fixed Mortgages:

– Predictable Payments: Fixed interest rates ensure your payments remain consistent over time.

– Long-Term Wealth Building: Use your equity to acquire additional properties and grow your portfolio.

– Flexible Use of Funds: Whether you’re buying, refinancing, or cashing out, these loans provide the financial freedom to achieve your goals. 

– 10-Year Interest Only: Want to increase your rental yield? Opt for a fixed rate 10-year interest-only loan that will convert to a 20-year fixed with no adjustment in rate. A fantastic way to take advantage of yield while having the confidence of a fixed payment.

Why Choose America Mortgages?  

America Mortgages specializes in helping investors—both domestic and international—unlock the full potential of their property equity. With a range of financing options, including short-term bridge loans and long-term fixed-rate mortgages, we provide the tools you need to succeed in today’s competitive real estate market.  

Our Process is Simple:  

1. Fast Approval: No U.S. credit history or personal income required. Loans qualify on the property’s cash flow/rent.

2. Flexible Terms: Choose from short-term or long-term solutions tailored to your needs.  

3. Expert Guidance: This is all we do. As the industry leader in providing market-rate U.S. mortgage loans, our team of U.S. mortgage advisors will guide you every step of the way. This is not a “one-and-done” process. We are here for you for the entire journey. 

Take the Next Step Toward Financial Freedom  

With home equity at record highs, there’s never been a better time to unlock the value of your property and invest in your future. Whether you’re looking for a short-term bridge loan to act quickly or a 30-year fixed mortgage for long-term stability, America Mortgages has the solutions to help you achieve your goals.  

Contact America Mortgages Today: 

Call us 24 hours a day, 7 days a week at +1 (845) 583-0830  

Schedule a meeting with one of our loan officers through our calendar link.  

Don’t let this opportunity pass you by. Turn your home equity into cash and start building your real estate portfolio today! 

比你想象的更简单！

美国的房产净值正在上升，聪明的投资者——包括外国国籍人士和美国侨民——正在利用这个机会扩大他们的房地产投资组合。根据 Forbes 的报道，美国的房产净值在2024年达到了惊人的35万亿美元，创造了一个财富增长的机会。无论您是寻求短期融资以快速行动，还是寻找长期稳定的解决方案来最大化投资，America Mortgages 都能为您提供成功所需的工具和专业知识。

房产净值：构建美国房地产投资组合的关键

根据 USA Today 的报道，房产净值在过去七年里增长了超过一倍，随着房产价值的不断上涨，现在正是利用这一宝贵资产的最佳时机。Yahoo Finance 强调，房产升值没有放缓的迹象，这使得现在是释放资本并投资更多房产的理想时机。

通过利用房产净值，您可以：

  • 通过购买新房产扩展您的房地产投资组合。
    America Mortgages 可为您提供市场利率的贷款融资，您可以在仅拥有房产6个月后提取最多65/70%的贷款价值比（LTV）。这些资金可用于购买一处或多处额外房产，最高可达75%的LTV，这为您提供了杠杆来建立房地产投资组合。
  • 资助翻修，增加现有资产的价值。
    America Mortgages 可为您提供市场利率的贷款融资，在仅拥有房产6个月后提取最多65/70%的LTV，用于增加房产价值，提高其租赁潜力。
  • 抓住商业机会或应对突发费用。
    America Mortgages 可为您提供市场利率的贷款融资，在仅拥有房产6个月后提取最多65/70%的LTV，以便您能抓住商业机会。利用您的房产作为投资，增加您的其他投资机会。

无论您是经验丰富的投资者还是刚刚起步，释放房产净值是一种强有力的策略来帮助您积累财富。

短期解决方案：AM Bridge+ 贷款计划

对于需要快速获取资本的投资者，America Mortgages 提供 AM Bridge+ 贷款计划，这是一种快速且灵活的融资解决方案，旨在帮助您在今天竞争激烈的市场中迅速采取行动。

AM Bridge+ 贷款计划的主要特点：

  • 无需个人收入： 适合外国国籍人士和美国侨民
  • 无需美国信用记录： 简化审批流程
  • 贷款金额： 从30万美元到1亿美元
  • 贷款价值比（LTV）： 最高70%
  • 放款时间： 最快可在5-14天内完成
  • 付款选项： 每月支付、仅付利息或利息累计

该短期过渡贷款非常适合那些希望：

  • 快速购买新房产
  • 资助翻修或房产翻售
  • 解决突发的财务需求，避免传统贷款的延误
  • 在您未能按时付款且需要更多时间出售时使用

长期稳定性：America Mortgages 30年固定抵押贷款选项，带有10年固定利息期

虽然短期过渡贷款提供了即时的灵活性，America Mortgages 还提供30年固定利率抵押贷款，适用于那些寻求长期稳定性和可预测支付的投资者。这些贷款非常适合构建可持续的房地产投资组合，让您能够锁定低利率，并以信心规划未来。

30年固定利率贷款的优势：

  • 可预测的付款： 固定利率确保您的付款在时间上保持一致。
  • 长期财富积累： 使用您的房产净值来收购更多房产并扩大您的投资组合。
  • 资金使用灵活： 无论您是购买、再融资还是取现，这些贷款提供了实现目标的财务自由。
  • 10年仅付利息： 想提高您的租赁收益率？选择10年固定利率仅付利息贷款，利率不调整，期满后转为20年固定利率。这是利用收益的绝佳方式，同时确保固定支付。

为什么选择 America Mortgages？

America Mortgages 专注于帮助投资者——无论是国内投资者还是国际投资者——充分发挥房产净值的潜力。我们提供包括短期过渡贷款和长期固定利率抵押贷款在内的一系列融资选项，为您提供在今天竞争激烈的房地产市场中成功所需的工具。

我们的流程很简单：

  1. 快速审批： 无需美国信用记录或个人收入。贷款依据房产的现金流/租金进行审批。
  2. 灵活的条款： 根据您的需求选择短期或长期的解决方案。
  3. 专家指导： 这是我们的专业所在。作为提供市场利率美国抵押贷款的行业领导者，我们的美国抵押贷款顾问团队将全程指导您。我们不仅仅是一次性的流程。我们会在整个过程中为您提供帮助。

迈向财务自由的下一步

随着房产净值创下新高，现在是释放房产价值并投资未来的最佳时机。无论您是寻求短期过渡贷款以快速行动，还是需要30年固定利率贷款来实现长期稳定，America Mortgages 都能为您提供帮助。

今天就联系 America Mortgages：

全天候每周7天联系我们：+1 (845) 583-0830
通过我们的日历链接安排与贷款官员的会议。

不要错过这个机会。将您的房产净值转化为现金，并开始建立您的房地产投资组合吧！

¡Es más fácil de lo que piensas!

El valor neto de la vivienda está aumentando en todo EE. UU., y los inversionistas—incluidos los extranjeros y los expatriados estadounidenses—están aprovechando esta oportunidad para hacer crecer sus portafolios de bienes raíces. Según Forbes, el valor neto de la vivienda en EE. UU. alcanzó la asombrosa cifra de $35 billones en 2024, creando una oportunidad de acumulación de riqueza para los propietarios de inmuebles. Ya sea que busques financiamiento a corto plazo para actuar rápidamente o una solución estable a largo plazo para maximizar tus inversiones, America Mortgages tiene las herramientas y la experiencia para ayudarte a tener éxito.

Valor neto de la vivienda: tu clave para construir un portafolio de bienes raíces en EE. UU.

El valor neto de la vivienda ha más que duplicado en los últimos siete años, según USA Today, y con los valores de las propiedades que continúan aumentando, ahora es el momento perfecto para aprovechar este valioso activo. Yahoo Finance destaca que la apreciación de la vivienda no muestra señales de desaceleración, lo que hace de este un momento ideal para liberar valor neto e invertir en propiedades adicionales.

Al aprovechar el valor neto de tu vivienda, puedes:

  • Expandir tu portafolio de bienes raíces comprando nuevas propiedades.
    America Mortgages puede proporcionarte financiamiento hipotecario a tasas de mercado para retirar hasta el 65/70% LTV después de solo 6 meses de poseer una propiedad. Puedes utilizar esos fondos para comprar una o más propiedades adicionales con hasta el 75% LTV, lo que te brinda el apalancamiento para construir un portafolio de bienes raíces.
  • Financiar renovaciones para aumentar el valor de tus activos existentes.
    America Mortgages puede proporcionarte financiamiento hipotecario a tasas de mercado para retirar hasta el 65/70% LTV después de solo 6 meses de poseer una propiedad y agregar valor a tu propiedad, aumentando su rentabilidad.
  • Aprovechar oportunidades de negocio o cubrir gastos imprevistos.
    America Mortgages puede proporcionarte financiamiento hipotecario a tasas de mercado para retirar hasta el 65/70% LTV después de solo 6 meses de poseer una propiedad y aprovechar una oportunidad de negocio. Utiliza tu vivienda como inversión para aumentar tus otras oportunidades de inversión.

Ya seas un inversionista experimentado o recién estés comenzando, liberar valor neto es una estrategia poderosa para hacer crecer tu riqueza.

Soluciones a corto plazo: El programa de préstamo AM Bridge+

Para los inversionistas que necesitan acceso rápido a capital, America Mortgages ofrece el programa de préstamo AM Bridge+, una solución de financiamiento rápida y flexible diseñada para ayudarte a actuar rápidamente en el competitivo mercado actual.

Características clave del programa de préstamo AM Bridge+:

  • No se requiere ingreso personal: Ideal para nacionales extranjeros y expatriados de EE. UU.
  • No se requiere historial de crédito en EE. UU.: Simplificando el proceso de aprobación
  • Montos de préstamo: Desde $300,000 hasta $100 millones
  • Relación préstamo-valor (LTV): Hasta 70%
  • Tiempo de cierre: Tan rápido como de 5 a 14 días
  • Opciones de pago: Mensuales, solo interés o interés acumulado

Este préstamo puente a corto plazo es perfecto para inversionistas que desean:

  • Comprar nuevas propiedades rápidamente
  • Financiar renovaciones o reventa de viviendas
  • Abordar necesidades financieras inmediatas sin los retrasos de los préstamos tradicionales
  • Situaciones financieras donde estás atrasado en los pagos y necesitas más tiempo para vender

Estabilidad a largo plazo: Opciones de hipoteca fija a 30 años de America Mortgages con un periodo de 10 años solo de interés

Mientras que los préstamos puente a corto plazo ofrecen flexibilidad inmediata, America Mortgages también ofrece hipotecas a tasa fija a 30 años para inversionistas que buscan estabilidad a largo plazo y pagos predecibles. Estos préstamos son ideales para construir un portafolio sostenible de bienes raíces, permitiéndote asegurar tasas bajas y planificar el futuro con confianza.

Ventajas de las hipotecas fijas a 30 años:

  • Pagos predecibles: Las tasas de interés fijas aseguran que tus pagos permanezcan consistentes a lo largo del tiempo.
  • Acumulación de riqueza a largo plazo: Usa tu valor neto para adquirir propiedades adicionales y hacer crecer tu portafolio.
  • Uso flexible de los fondos: Ya sea que estés comprando, refinanciando o retirando efectivo, estos préstamos brindan la libertad financiera para lograr tus objetivos.
  • 10 años solo de interés: ¿Quieres aumentar tu rendimiento de alquiler? Opta por un préstamo a tasa fija de 10 años solo de interés que se convertirá en una tasa fija de 20 años sin ajuste de tasa. Una forma fantástica de aprovechar el rendimiento mientras mantienes la seguridad de un pago fijo.

¿Por qué elegir America Mortgages?

America Mortgages se especializa en ayudar a los inversionistas—tanto nacionales como internacionales— a desbloquear todo el potencial de su valor neto inmobiliario. Con una variedad de opciones de financiamiento, incluidos préstamos puente a corto plazo y hipotecas de tasa fija a largo plazo, te proporcionamos las herramientas que necesitas para tener éxito en el competitivo mercado inmobiliario actual.

Nuestro proceso es simple:

  1. Aprobación rápida: No se requiere historial de crédito en EE. UU. ni ingresos personales. Los préstamos califican en función del flujo de efectivo/alquiler de la propiedad.
  2. Términos flexibles: Elige entre soluciones a corto o largo plazo adaptadas a tus necesidades.
  3. Orientación experta: Esto es lo que hacemos. Como líder de la industria en la provisión de préstamos hipotecarios a tasas de mercado en EE. UU., nuestro equipo de asesores hipotecarios de EE. UU. te guiará en cada paso del proceso. Este no es un proceso de “una sola vez”. Estamos contigo durante todo el recorrido.

Da el siguiente paso hacia la libertad financiera

Con el valor neto de las viviendas en niveles récord, nunca ha habido un mejor momento para liberar el valor de tu propiedad e invertir en tu futuro. Ya sea que busques un préstamo puente a corto plazo para actuar rápidamente o una hipoteca fija a 30 años para estabilidad a largo plazo, America Mortgages tiene las soluciones para ayudarte a lograr tus objetivos.

Contacta con America Mortgages hoy:

Llámanos las 24 horas del día, los 7 días de la semana al +1 (845) 583-0830

Programa una reunión con uno de nuestros oficiales de préstamos a través de nuestro enlace del calendario.

No dejes pasar esta oportunidad. Convierte el valor neto de tu propiedad en efectivo y comienza a construir tu portafolio de bienes raíces hoy.

Trump’s Policies Benefit U.S. Real Estate

Donald Trump is now the 47th U.S. president, and there is no denying a sense of optimism and hope. While no one knows exactly what will happen, given the wide range of rhetoric during the campaign, we will focus on what we think will happen and how it will impact home prices, especially our overseas clientele.

Rates & The USD

While it is assumed that The Fed Funds rate will be cut in 2025, mortgage rates are more closely related to the 10-year Treasury pricing, which has been stubbornly high as the market expects more inflation due to continued and possibly increased fiscal deficits.

Fiscal deficit is essentially paying for goods and services with money you don’t have (i.e., printing money). This causes inflation and money debasement.

What makes the U.S. unique is that it benefits from being a reserve currency. 

Therefore, higher rates = USD inflows = stronger USD, sucking dollars out of the global money system.

The leading expert on this phenomenon called the “Dollar Milkshake Theory“, is Brent Johnson, Santiago Capital.

We all need a weaker USD!

There is no policy being suggested by Trump that works with a strong USD, so this is important to watch. Ticker DXY is the Dollar Index and we need to see this below 100 soon with clear intention towards 90. 

The weaker USD gives more economic flexibility to our trading partners (useful when we are trying to negotiate tariffs) and makes our exports more valuable. That is, a weaker USD is good for global growth, so more of our clients are doing better. 

More importantly => Weaker USD gives more flexibility for the 10-year treasury to come down, impacting mortgage rates. 

A weaker USD makes U.S. real estate more affordable for our overseas clients through the exchange rate.

Economic Growth and Job Creation

Trump campaigned for pro-business policies aimed at boosting economic growth, such as tax cuts or deregulation, which would increase household income and demand for homes, pushing prices upward.

Moving manufacturing onshore will increase spending on infrastructure, boosting local economies, particularly in regions benefiting from new projects, and driving up home prices in those areas. See CHIPS Act article from last week. 

Tax Policies

Trump may advocate for federal tax policies that favor homeowners, such as expanding the mortgage interest deduction, which could make owning a home more attractive and increase demand.

A reduction in capital gains taxes will incentivize more real estate transactions, increasing supply in the market and potentially moderating price growth.

Market Sentiment and Confidence

Trump’s policies and rhetoric could influence consumer and investor confidence. A strong perception of economic stability under his leadership could drive more people into the housing market, increasing demand.

Regional Variations

Areas with strong economies and high-demand housing markets (e.g., Texas and Florida) could see price growth if Trump’s policies favor those regions. These are the markets that we are bullish on and coincide with many of the states which are seeing increased manufacturing.

Contact us today to learn more about how Trump’s policies may impact U.S. home prices for overseas buyers. Schedule a call with one of our loan officers to explore tailored mortgage options and make your investment journey smoother and more informed. We’re here to assist you every step of the way.

Q&A: Kickstart 2025: Our Market Outlook and Forecast for U.S. Property Investment

In the exclusive webinar, “Kickstart 2025: Our Market Outlook and Forecast for U.S. Property Investment,” Robert Chadwick, CEO of America Mortgages, and Donald Kilp, Co-founder of Global Mortgage Group, shared expert insights on U.S. mortgage trends, including the latest rate updates, market strategies, and investment opportunities for international investors.

For those who missed it, the recording is available here.

During the session, RC and DK addressed key questions, providing valuable guidance to help investors make informed decisions in today’s market. Remarks have been edited for clarity and brevity.

During the session, RC and DK addressed key questions, providing valuable guidance to help investors make informed decisions in today’s market. Remarks have been edited for clarity and brevity.

How does the secure portal work?

DK: The portal allows you to complete your loan application by answering questions about your personal information, such as your name, nationality, passport details, etc. Once you fill out the form, you will be asked to provide documents like your passport and bank statements. After submitting these, you can receive a pre-approval within 24 hours​.

Please post the link to the ebook you mentioned.

RC: You can access it here: U.S. Cities vs International Cities: Rental Yield vs Cost

What are some of the key trends you’d expect to see in the U.S. property market in 2025?

DK: The trends in 2025 are expected to involve increased rental yields as homeownership becomes more difficult due to high prices. There is also a focus on the CHIPS Act, which is driving job growth in certain states​.

What do you think? Under Trump’s administration would interest rates come down soon and by a lot?

RC: Interest rates may come down eventually as a way to reduce fiscal deficits, but not in the immediate future. Trump’s administration may influence this through fiscal strategies like negotiating with other countries​.

Can I complete the entire mortgage process while abroad? Or do I have to go to the U.S.?

RC: Yes, you can complete the entire process abroad. You can sign documents via a local notary (if your country is part of the Hague Convention) or use a U.S. embassy or consulate​.

Any tax advantages for foreign investors in U.S. real estate?

RC: Foreign investors enjoy the same tax advantages as U.S. citizens, including deductions for property-related expenses. There is no stamp duty, and tax rates are based on the property value​.

Can your firm fund distressed properties and renovation costs?

RC: We can finance distressed properties as long as they are in livable condition. However, auction purchases typically require cash since the loan process takes 30-45 days​.

Any thoughts? Which U.S. cities are best for property investment this year? Based on Yields, Capital Appreciation?

DK: The best cities for investment are those benefiting from the CHIPS Act and job growth, such as parts of Arizona, Texas, Ohio, and New York​.

I’m quite keen, but a little wary of trusting realtors because of past experiences. Can America Mortgages help with that?

DK: Yes, America Mortgages is working with a network of realtors who are experienced with foreign nationals and expats, ensuring better service​ for our clients.

Hi, I’m a current U.S. property investor looking to expand my portfolio. Do you have any listings I can explore?
RC: Listings are available here, and they also work with trusted partners who offer vetted listings​.

No Barriers, Just Opportunities: Take Advantage of Expanded Cash Flow Loans

Imagine investing in a U.S. property market where home prices in cities like Indianapolis, Hartford, and Providence are projected to climb 5% in 2025 or securing a cash-flowing rental income property in Buffalo, New York—named the hottest housing market for 2025 by the New York Post. These trends confirm that U.S. real estate remains a leading choice for achieving growth and securing long-term wealth.

With the Expanded Cash Flow Loan Program, qualifying as a foreign national or U.S. expat is seamless. By focusing on your property’s rental income, this program simplifies the process and eliminates the need for extensive documentation.

Investing Made Easy with Expanded Cash Flow Loans

The Expanded Cash Flow Loan focuses on the property’s cash flow rather than the investor’s personal income. Designed specifically for foreign nationals and expats, this program removes traditional barriers, using common-sense underwriting to prioritize the property’s income potential and streamline the qualification process.

Here’s how it works:

  • No tax returns or pay statements are required
  • Close quickly on cash-flow-positive properties in competitive markets
  • Scale your portfolio without navigating rigid lending requirements

Key Features:

  • Loan amounts ranging from $55,000 to $2M
  • Up to 80% LTV for U.S. Citizens, 75% for Foreign Nationals
  • Interest-only option fixed for 10 years, boosting rental yields
  • Available exclusively to U.S. entities (such as an LLC)
  • Proof of non-encumbered reserve payments required (6-12 months)
  • Fast, hassle-free closing times

Opportunities in Key U.S. Markets

According to the U.S. Bureau of Economic Analysis, U.S. GDP grew by 2.8% in Q3 2024, reflecting a strong economic foundation for real estate investments. Buffalo, named the hottest housing market for 2025 by the New York Post, and other cities in the Midwest and Northeast are seeing steady demand and rising property values.

The Expanded Cash Flow Loan enables investors to capitalize on these opportunities by offering fast and flexible financing tailored to rental income potential.

Make Your Move

Home prices are expected to rise, and rental demand is surging—don’t miss this window of opportunity. The Expanded Cash Flow Loan simplifies the process, making it easier than ever to secure financing tailored to your goals.

If you’re considering investing in U.S. real estate, the Expanded Cash Flow Loan is designed to simplify the process, making it easier to secure financing based on your property’s rental income. At America Mortgages, we’re here to guide you through the process with financing solutions tailored to your needs.

Start building your U.S. property portfolio today—our team is ready to assist!

Sin barreras, solo oportunidades: Aprovecha los préstamos de flujo de efectivo ampliado

Imagina invertir en el mercado inmobiliario de EE. UU., donde se proyecta que los precios de las viviendas en ciudades como Indianápolis, Hartford y Providence aumenten un 5 % en 2025, o asegurar una propiedad de ingresos por alquiler en Buffalo, Nueva York, nombrado el mercado inmobiliario más caliente para 2025 por el New York Post. Estas tendencias confirman que el mercado inmobiliario de EE. UU. sigue siendo una opción destacada para lograr crecimiento y asegurar riqueza a largo plazo.

Con el programa de préstamos Expanded Cash Flow Loan, calificar como extranjero o expatriado estadounidense es sencillo. Al enfocarse en los ingresos por alquiler de la propiedad, este programa simplifica el proceso y elimina la necesidad de documentación extensa.

Invertir con Facilidad con los Préstamos Expanded Cash Flow

El préstamo Expanded Cash Flow se centra en el flujo de caja de la propiedad en lugar de los ingresos personales del inversor. Diseñado específicamente para extranjeros y expatriados, este programa elimina barreras tradicionales al priorizar el potencial de ingresos de la propiedad y simplificar el proceso de calificación.

Cómo Funciona:

  • No se requieren declaraciones de impuestos ni comprobantes de ingresos.
  • Cierre rápido en propiedades con flujo de caja positivo en mercados competitivos.
  • Expanda su portafolio sin navegar por requisitos estrictos de préstamos.

Características Clave:

  • Montos de préstamos desde $55,000 hasta $2M.
  • Hasta el 80 % de LTV para ciudadanos estadounidenses, 75 % para extranjeros.
  • Opción de solo intereses fija por 10 años, maximizando el rendimiento de los alquileres.
  • Exclusivamente disponible para entidades de EE. UU. (como una LLC).
  • Se requiere prueba de reservas no gravadas (6-12 meses).
  • Tiempos de cierre rápidos y sin complicaciones.

Oportunidades en Mercados Clave de EE. UU. Según el U.S. Bureau of Economic Analysis, el PIB de EE. UU. creció un 2.8 % en el tercer trimestre de 2024, reflejando una base económica sólida para las inversiones inmobiliarias. Buffalo, nombrado el mercado inmobiliario más atractivo para 2025 por el New York Post, y otras ciudades del Medio Oeste y el Noreste muestran una demanda constante y un aumento en los valores de las propiedades.

Actúe Ahora Con precios de viviendas al alza y una creciente demanda de alquiler, no pierda esta oportunidad. El Expanded Cash Flow Loan simplifica el proceso, facilitando más que nunca asegurar un financiamiento adaptado a sus metas.

Si está considerando invertir en bienes raíces en EE. UU., este programa está diseñado para simplificar el proceso. En America Mortgages, estamos aquí para guiarlo con soluciones de financiamiento personalizadas.

Comience hoy a construir su portafolio inmobiliario en EE. UU.—nuestro equipo está listo para ayudarle.

无障碍，仅机会：利用扩展的现金流贷款

想象一下，在美国房产市场投资，比如印第安纳波利斯、哈特福德和普罗维登斯等城市，预计2025年房价将上涨5%；或者在纽约州布法罗购买一处有现金流的出租房产——根据《纽约邮报》，布法罗被评为2025年最热门的房地产市场。这些趋势表明，美国房地产仍然是实现增长和获得长期财富的首选。

通过“扩展现金流贷款计划”，作为外国人或美国侨民申请贷款变得无比简单。该计划关注您的房产租金收入，简化流程，省去繁琐的文件要求。

轻松投资：扩展现金流贷款 扩展现金流贷款关注房产的现金流，而非投资者的个人收入。专为外国人和侨民设计，该计划采用常识性核准方式，优先考虑房产的收入潜力，简化资格认证流程。

具体内容如下：

  • 无需提供税务申报单或工资单。
  • 快速完成在竞争市场中现金流为正的房产交易。
  • 无需应对严格的贷款要求即可扩展投资组合。

关键特点：

  • 贷款金额从55,000美元到200万美元不等。
  • 美国公民最高可达80%贷款比例，外国人最高可达75%。
  • 提供固定10年的只付利息选项，提高租金回报。
  • 专供美国实体（如LLC）。
  • 需要提供无负担储备金支付证明（6-12个月）。
  • 快速、无压力的完成流程。

美国主要市场的投资机会 根据美国经济分析局的数据显示，2024年第三季度美国GDP增长2.8%，为房地产投资提供了强有力的经济基础。《纽约邮报》评选的2025年最热门房地产市场布法罗，以及中西部和东北部的其他城市，需求稳定，房产价值持续上升。

抓住时机 房价预期上涨，租赁需求激增——不要错过这个投资窗口。“扩展现金流贷款计划”简化了流程，使您更容易获得适合目标的融资。

如果您正在考虑投资美国房地产，“扩展现金流贷款计划”旨在简化流程，基于房产租金收入帮助您更轻松获得融资。America Mortgages在此为您提供量身定制的融资解决方案，协助您完成整个过程。

立即开始构建您的美国房地产投资组合——我们的团队随时为您提供帮助！