Author: Premela R.

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！

How Non-U.S. Citizens and Expats Can Easily Secure a U.S. Mortgage with America Mortgages

mortgage broker

Securing a U.S. mortgage as a non-U.S. citizen, foreign national, or U.S. expat can be complex, but America Mortgages simplifies the process with tailored solutions. Specializing exclusively in providing U.S. mortgage loans to international clients, they offer unparalleled expertise and benefits.

Why Choose America Mortgages?

  • Exclusive Focus on International Clients: Unlike traditional lenders, America Mortgages dedicates its services solely to non-U.S. residents and U.S. expats, ensuring a deep understanding of your unique needs.
  • No U.S. Credit Required: Many lenders require a U.S. credit history, posing a hurdle for international buyers. America Mortgages eliminates this barrier, allowing you to secure a loan without U.S. credit.
  • Global Presence: With loan officers stationed worldwide, they provide personalized support across time zones, making the mortgage process seamless regardless of your location.
  • Lender and Super Broker: America Mortgages is not only a direct lender, but also a super broker with access to over 150 different lenders ensuring our clients get the most competitive rates and the fairest terms available.
  • Competitive Terms with DSCR Model: Utilizing a Debt Service Coverage Ratio (DSCR) model, America Mortgages offers loans with a 1:1 DSCR ratio, meaning the property’s rental income covers the mortgage payment. This approach simplifies qualification by focusing on property income rather than personal income.
  • High Loan-to-Value (LTV) Ratios: Offering up to 80% LTV, they enable you to maximize financing while minimizing upfront costs.

Understanding the DSCR Model

The DSCR model assesses a property’s ability to cover its debt obligations through generated income. A 1:1 DSCR ratio indicates that the property’s income equals the debt service, simplifying the qualification process for investors. This is particularly advantageous for foreign nationals and U.S. expats, as it emphasizes property performance over personal financial history.

Benefits of Choosing America Mortgages

  • Streamlined Approval Process: Their expertise in international lending ensures a smooth and efficient approval process, reducing the complexities often associated with cross-border transactions.
  • Secure online application portal: America Mortgages proprietary online portal allows clients to seamlessly start and close a US mortgage loan without ever leaving their country of residence. 
  • Customized Loan Programs: America Mortgages offers a variety of loan programs tailored to fit the diverse financial situations of international investors, including options for those without U.S. credit history.
  • Transparent and Competitive Rates: As a direct lender and super broker, they provide access to the most competitive rates and terms available in the market.

Client Testimonials

Clients worldwide have successfully secured U.S. real estate through America Mortgages. Their personalized approach and deep understanding of international clients’ needs have garnered trust and satisfaction globally. Actual Google reviews;

“I want to write quick recommendation for Nick Worthing, the amazing things he has done for me.
Many financial / mortgage broker had balked and walked away with my current financial profile, but not Nick! Nick had been tenacious and working tirelessly to find financing solution, it was just simply amazing.”

____________________________________________________________

“One of the very-best brokers I’ve worked with and considering I use a lot of brokers in my dealings both personal and business, the guys were always available, no matter the time of day or night.. literally!! Whatever it took, they will endeavour to work side by side until it’s resolved. Had the massive opportunity in meeting Robert personally when I flew out to Singapore and even though my trip was short n jam-packed and I more or less took him off guard, again he came through and made time for a quick coffee where we engaged in possibilities for the future. Kudos guys and we’ll done.”

“As a first-time owner, I was unsure of how the whole purchase process would work and the many regulations. The America Mortgages team was patient in answering my queries, and guided me without being overly pushy. Love the service and would highly recommend.”

____________________________________________________________

“I am a foreign national investor living in Israel. My wife and I have been investing in real estate internationally for over 10 years and so far we were mostly buying properties using cash. We have recently decided that from 2022 we are going to level up our Investments, to use financing more and focus on the US.

After contacting dozens of lenders and brokers who work with foreign nationals, running comparisons and evaluating both terms, the business and people well work with – it was clear that America Mortgages ticked all of the boxes and was the best option available.

I’ve had the great privilege and pleasure of meeting Nick Worthing, America Mortgages VP US Lending. Nick was a major reason for deciding to work with AM and for closing our Investments. It’s rare to work with partners that you can feel that truly cares, that communicates fast, with full transparency, and that is as professional as Nick is.

Between Jan and March, we have closed three different loans in parallel! It takes a ninja lender to pull it off. We’ve had surprises along the way, but Nick was creative, smart, fast, helped negotiate, educate me, manage these complex projects efficiently and we have successfully closed.

I strongly recommend working with America Mortgages and will continue doing so myself for future Investments.”

____________________________________________________________

Get Started Today

Embarking on your U.S. real estate investment journey is straightforward with America Mortgages. Their team of experts is ready to guide you through each step, ensuring a hassle-free experience.

Contact Information

Investing in U.S. real estate as a non-U.S. citizen, resident, foreign national, or U.S. expat is made accessible and efficient with America Mortgages. Their specialized services, competitive terms, and global presence position them as the ideal partner for your real estate financing needs. The world is too big to think small!

Cómo los no ciudadanos de EE. UU. y expatriados pueden obtener fácilmente una hipoteca en EE. UU. con America Mortgages

Asegurar una hipoteca en EE.UU. como ciudadano no estadounidense, extranjero o expatriado puede ser complejo, pero America Mortgages simplifica el proceso con soluciones personalizadas. Especializados exclusivamente en ofrecer préstamos hipotecarios en EE.UU. a clientes internacionales, ofrecen experiencia y beneficios incomparables.

¿Por qué elegir America Mortgages?

  • Enfoque exclusivo en clientes internacionales:
    A diferencia de los prestamistas tradicionales, America Mortgages dedica sus servicios exclusivamente a no residentes en EE.UU. y expatriados, asegurando una comprensión profunda de sus necesidades únicas.
  • Sin necesidad de historial crediticio en EE.UU.:
    Muchos prestamistas requieren un historial crediticio en EE.UU., lo que representa un obstáculo para compradores internacionales. America Mortgages elimina esta barrera, permitiéndole obtener un préstamo sin historial crediticio en EE.UU.
  • Presencia global:
    Con agentes de préstamos ubicados en todo el mundo, brindan soporte personalizado a través de zonas horarias, haciendo que el proceso hipotecario sea fluido sin importar su ubicación.
  • Prestamista y súper corredor:
    America Mortgages no solo es un prestamista directo, sino también un súper corredor con acceso a más de 150 prestamistas diferentes, asegurando que sus clientes obtengan las tasas más competitivas y los términos más justos disponibles.
  • Condiciones competitivas con el modelo DSCR:
    Utilizando un modelo de relación de cobertura de servicio de deuda (DSCR), America Mortgages ofrece préstamos con una relación DSCR de 1:1, lo que significa que los ingresos por alquiler de la propiedad cubren el pago de la hipoteca. Este enfoque simplifica la calificación al centrarse en los ingresos de la propiedad en lugar de los ingresos personales.
  • Altos índices de préstamo a valor (LTV):
    Ofrecen hasta el 80% de LTV, permitiéndole maximizar el financiamiento mientras minimiza los costos iniciales.

Entendiendo el modelo DSCR

El modelo DSCR evalúa la capacidad de una propiedad para cubrir sus obligaciones de deuda mediante los ingresos generados. Una relación DSCR de 1:1 indica que los ingresos de la propiedad igualan el servicio de la deuda, simplificando el proceso de calificación para los inversionistas. Esto es particularmente ventajoso para extranjeros y expatriados, ya que enfatiza el rendimiento de la propiedad sobre el historial financiero personal.

Beneficios de elegir America Mortgages

  • Proceso de aprobación simplificado:
    Su experiencia en préstamos internacionales garantiza un proceso de aprobación fluido y eficiente, reduciendo las complejidades a menudo asociadas con transacciones transfronterizas.
  • Portal de solicitud en línea seguro:
    El portal en línea exclusivo de America Mortgages permite a los clientes iniciar y cerrar un préstamo hipotecario en EE.UU. sin salir de su país de residencia.
  • Programas de préstamos personalizados:
    America Mortgages ofrece una variedad de programas de préstamos adaptados a las diversas situaciones financieras de los inversionistas internacionales, incluyendo opciones para aquellos sin historial crediticio en EE.UU.
  • Tasas transparentes y competitivas:
    Como prestamista directo y súper corredor, proporcionan acceso a las tasas y términos más competitivos disponibles en el mercado.

Testimonios de clientes

Clientes de todo el mundo han asegurado con éxito bienes raíces en EE.UU. a través de America Mortgages. Su enfoque personalizado y profundo entendimiento de las necesidades de los clientes internacionales han generado confianza y satisfacción global.

“Quiero escribir una rápida recomendación para Nick Worthing por las cosas increíbles que ha hecho por mí. Muchos corredores financieros/hipotecarios se dieron por vencidos con mi perfil financiero actual, ¡pero no Nick! Nick fue tenaz y trabajó incansablemente para encontrar una solución de financiamiento, simplemente increíble.”

____________________________________________________________

“Uno de los mejores corredores con los que he trabajado, considerando que utilizo muchos corredores en mis negocios personales y profesionales. Siempre estaban disponibles, sin importar la hora del día o la noche. ¡Literalmente! Hicieron lo que fuera necesario, trabajando codo a codo hasta resolverlo. Tuve la gran oportunidad de conocer personalmente a Robert cuando viajé a Singapur y, aunque mi viaje fue corto y estaba lleno de actividades, me hizo un hueco para un café rápido donde discutimos posibilidades para el futuro. ¡Gracias, chicos, y bien hecho!”

____________________________________________________________

“Como propietario por primera vez, no estaba seguro de cómo funcionaría todo el proceso de compra ni de las muchas regulaciones. El equipo de America Mortgages fue paciente al responder a mis preguntas y me guió sin ser demasiado insistente. Me encantó el servicio y lo recomendaría altamente.”

Soy un inversionista extranjero que vive en Israel. Mi esposa y yo hemos estado invirtiendo en bienes raíces internacionalmente durante más de 10 años, y hasta ahora, principalmente comprábamos propiedades con efectivo. Recientemente decidimos que a partir de 2022 íbamos a aumentar nuestras inversiones, utilizar más financiamiento y enfocarnos en EE.UU.

Después de contactar a docenas de prestamistas y corredores que trabajan con extranjeros, comparando términos y evaluando tanto los negocios como las personas con las que trabajaríamos, quedó claro que America Mortgages marcaba todas las casillas y era la mejor opción disponible.

Tuve el gran privilegio y placer de conocer a Nick Worthing, VP de Préstamos en EE.UU. de America Mortgages. Nick fue una razón importante para decidir trabajar con AM y para cerrar nuestras inversiones. Es raro trabajar con socios que realmente se preocupen, que se comuniquen rápido, con total transparencia y sean tan profesionales como lo es Nick.

Entre enero y marzo, ¡cerramos tres préstamos diferentes en paralelo! Se necesita un prestamista ninja para lograrlo. Tuvimos sorpresas en el camino, pero Nick fue creativo, inteligente, rápido, ayudó a negociar, educarme, gestionar estos proyectos complejos de manera eficiente y logramos cerrar con éxito.

Recomiendo encarecidamente trabajar con America Mortgages y continuaré haciéndolo para futuras inversiones.”

____________________________________________________________

Comience hoy

Empezar su viaje de inversión inmobiliaria en EE.UU. es sencillo con America Mortgages. Su equipo de expertos está listo para guiarlo en cada paso, asegurando una experiencia sin complicaciones.

Información de contacto:

Invertir en bienes raíces en EE.UU. como ciudadano no estadounidense, extranjero o expatriado es accesible y eficiente con America Mortgages. Sus servicios especializados, términos competitivos y presencia global los posicionan como el socio ideal para sus necesidades de financiamiento inmobiliario. ¡El mundo es demasiado grande para pensar en pequeño!

非美国公民和外派人士如何通过 America Mortgages 轻松获得美国房贷

作为非美国公民、外国国民或美国侨民，申请美国住房贷款可能会非常复杂，但 America Mortgages 通过定制化的解决方案简化了这一过程。他们专注于为国际客户提供美国住房贷款，拥有无与伦比的专业知识和优势。

为什么选择 America Mortgages？

  • 专注国际客户：
    与传统贷款机构不同，America Mortgages 专注于服务非美国居民和美国侨民，深刻理解您的特殊需求。
  • 无需美国信用记录：
    许多贷款机构要求申请人拥有美国信用记录，这对国际买家来说是一大障碍。而 America Mortgages 消除了这一限制，让您无需美国信用记录也能获得贷款。
  • 全球服务网络：
    他们在全球范围内拥有贷款专员，为您提供跨时区的个性化支持，无论您身在何处，房贷流程都无缝衔接。
  • 贷款机构和超级经纪人：
    America Mortgages 不仅是直接贷款机构，还是超级经纪人，与超过150家贷款机构合作，确保为客户提供最具竞争力的利率和最公平的条款。
  • DSCR 模型的竞争性条款：
    利用债务服务覆盖率（DSCR）模型，America Mortgages 提供 1:1 DSCR 比率的贷款，即物业的租金收入可完全覆盖房贷月供。这种方式简化了审批流程，重点关注物业收入而非个人收入。
  • 高贷款价值比（LTV）：
    提供高达 80% 的贷款价值比，帮助您最大化融资，同时减少前期成本。

了解 DSCR 模型

DSCR 模型通过评估物业的收入是否足以偿还债务来衡量其财务能力。1:1 的 DSCR 比率意味着物业收入等于债务服务成本，这种方式为投资者简化了审批流程。对于外国国民和美国侨民来说尤为有利，因为它强调物业表现而非个人财务历史。

选择 America Mortgages 的优势

  • 高效的审批流程：
    凭借其在国际贷款领域的专业知识，他们确保审批过程流畅高效，减少了跨境交易的复杂性。
  • 安全的在线申请平台：
    America Mortgages 独家在线平台，让客户无需离开居住国即可完成美国房贷的申请和审批。
  • 定制化贷款项目：
    提供多样化的贷款项目，适应国际投资者的不同财务状况，包括无需美国信用记录的选项。
  • 透明且有竞争力的利率：
    作为直接贷款机构和超级经纪人，他们为客户提供市场上最具竞争力的利率和条款。

客户评价

来自全球的客户通过 America Mortgages 成功获得了美国房地产贷款。他们的个性化服务和对国际客户需求的深刻理解赢得了广泛的信任和满意度。

“我想快速推荐 Nick Worthing，他为我所做的一切实在令人难以置信。许多金融/贷款经纪人因为我的财务状况而拒绝了我，但 Nick 不一样！他非常坚持，努力不懈地为我找到解决方案，实在太棒了。”

______________________________________________________________

“这是我合作过的最优秀的经纪人之一。我与许多经纪人合作过，但他们总是随时待命，无论白天还是晚上！感谢团队的卓越表现。”

______________________________________________________________

“作为首次购房者，我对整个购买流程和众多法规感到困惑。America Mortgages 团队耐心解答了我的问题，并在整个过程中给予指导，而没有过度施压。我非常喜欢他们的服务，并强烈推荐。”

______________________________________________________________

立即开始您的投资之旅

通过 America Mortgages，您的美国房地产投资旅程将变得简单。专业团队随时准备为您提供全程指导，确保您获得轻松无忧的体验。

联系方式：

作为非美国公民、外国国民或美国侨民，投资美国房地产现在变得前所未有的简单高效。America Mortgages 专业化的服务、富有竞争力的条款以及全球影响力，使其成为您房地产融资的理想合作伙伴。世界之大，不容小视！

Here’s a sneak peak into an Exciting 2025

As we wrap up 2024, we once again want to express our sincere gratitude for your trust and partnership throughout the year. It has been a pleasure working with you, and we are incredibly thankful for the opportunities we’ve shared.

Looking ahead to 2025, we are excited for what’s to come – a year full of new and expanded loan programs, boundless opportunities and new possibilities in the U.S. real estate market. 

We remain committed to supporting you every step of the way, ensuring continued growth and success. 

Wishing you and your loved ones a joyful holiday season and a prosperous and healthy New Year. May the best of 2024 be the worst of 2025!

What’s Ahead for U.S. Housing in 2025?

The National Association of Realtors (NAR) has identified 10 metro areas it expects to be hot spots in 2025. These markets were chosen based on factors like affordable housing, job growth, and migration patterns that point to future market success.

According to Lawrence Yun, Chief Economist at NAR, “These markets share key characteristics such as affordable inventory, the potential for unlocking lower mortgage rates, income growth among young adults, and population growth in specific areas.”

One major trend NAR highlighted is the number of “locked-in” homeowners. These are people who refinanced at low rates and are reluctant to sell. Cities with fewer of these homeowners are likely to see more properties listed, giving buyers better options.

Top Housing Markets for 2025 

Here’s a look at the 10 metro areas expected to perform well in 2025:

1. Boston-Cambridge-Newton, Massachusetts-New Hampshire

The Boston metro area has an average home price of $694,494. While it’s higher than the national average, stabilizing mortgage rates and a supply of starter homes make it attractive. The area’s strong economy and educational hubs also draw many first-time buyers.

2. Charlotte-Concord-Gastonia, North Carolina-South Carolina

Charlotte has seen a 10% increase in jobs over the last five years. Affordable homes—43% priced below $324,000—make it a popular choice for families and first-time buyers.

3. Grand Rapids-Kentwood, Michigan

Grand Rapids is one of the most affordable markets, with homes averaging $271,960. With fewer locked-in homeowners, the area is likely to see more houses for sale in 2025.

4. Greenville-Anderson, South Carolina

Greenville offers homes averaging $307,315. With a quick turnover rate and many starter homes available, this market appeals to young professionals and families.

5. Hartford-East-Hartford-Middletown, Connecticut

Hartford’s average home price of $178,696 is one of the lowest in the country. Mortgage rates are also among the lowest, making it a highly affordable option for buyers.

6. Indianapolis-Carmel-Anderson, Indiana

Indianapolis has a strong job market and affordable homes, with 42% priced under $236,000. The city is expected to see more listings as mortgage rates stabilize.

7. Kansas City, Missouri-Kansas

Kansas City offers affordability with an average home price of $233,826. The combination of competitive mortgage rates and a growing economy makes it a top market.

8. Knoxville, Tennessee

Knoxville attracts newcomers, with 50% choosing to buy homes after relocating. Homes average $350,614, making this a great option for families looking to settle.

9. Phoenix-Mesa-Chandler, Arizona

Phoenix continues to be a top destination for those moving from high-cost states. The average home price is $414,977, and strong job growth keeps this market in demand.

10. San Antonio-New Braunfels, Texas

San Antonio remains affordable, with homes averaging $250,834. The city has seen strong job growth and continues to attract new residents, keeping its housing market active.

Tailored Solutions for Investors

For those considering investment properties in these promising markets, America Mortgages offers the Rental Coverage+ Loan Program. This program simplifies the loan process by qualifying investors based on a property’s rental income rather than personal income. It’s a practical approach designed for investment properties.

Key Features: 

  • Property Type: 1-4 unit residential properties
  • Minimum Loan Amount: $100,000 (LLC) or $150,000 (personal name)
  • Loan-to-Value: Up to 80% for purchases, 70% for cash-out refinances
  • Underwriting: Based on the property’s rental income, not personal income
  • Credit: No U.S. credit required
  • Closing Time: 30-45 days

This program is perfect for investors looking for a straightforward, hassle-free loan experience.

Looking Forward

NAR expects mortgage rates to stabilize around 6% in 2025. This, combined with job growth and an increase in available homes, will create more opportunities for buyers and investors alike.

If you’re considering buying a home, these markets provide exciting opportunities. Let America Mortgages guide you through financing options tailored to your needs. Call us at +1 (845) 583-0830 for immediate support, email us at [email protected], or visit www.americamortgages.com to explore your options. Your investment journey begins here!

2024 Wrap-Up: What to Expect in 2025 [U.S. Real Estate]

As 2024 comes to an end, it’s the perfect moment to reflect on the year’s achievements and explore what lies ahead in the evolving U.S. real estate market. With a new Presidential administration, creative trends in mortgage lending, expected low rates and unique investment property opportunities, 2025 is shaping up to be an exciting year for America Mortgages’ investors. Here’s a breakdown of what to expect and the latest updates from America Mortgages.

What’s the Market Going to Be Like in 2025?

The U.S. housing market is evolving, with key predictions shaping the year ahead:

  1. Mortgage Rates to Decrease and StabilizeExperts anticipate mortgage rates will stabilize around 5.5% to 6.0% by late 2025. According to HousingWire, this stability will make financing more predictable, helping buyers plan with greater confidence.
  2. Demand for Affordable HousingAffordable homes will remain a top priority, especially in cities like Cleveland, Kansas City, and Tampa. These areas, highlighted by Yahoo Finance, are thriving thanks to lower home prices and expanding job markets.
  3. Regional Price VariationsWhile high-cost cities may see slower price growth, regions with strong job creation and infrastructure improvements could experience rising demand and higher prices. HousingWire points out that these regional shifts will be significant.

New Loan Programs: Asset-Backed Bridge & Rental Coverage+

This year, we launched two exciting programs designed to provide international investors with flexible and efficient financing options:

AM Asset-Backed Bridge Loan Program

Focused on the property’s value rather than personal income, credit, or cash flow, this program offers quick access to capital with competitive rates and streamlined processing.

Key Features:

  • Income: No personal income required
  • Credit: No U.S. credit required
  • Loan Types: Purchase, refinance, and cash-out refinance
  • Terms: 12-24 months
  • Loan Amounts: $300,000 to $100 million
  • Qualification: Property value only
  • Loan-to-Value: Up to 75%
  • Closing Time: 5-14 days

America Mortgages Rental Coverage+ Loan Program

This program allows investors to qualify based on the property’s rental income, making it a hassle-free and straightforward process. It’s pure common sense and how all investment properties should be underwritten!

Key Features:

  • Property Type: 1-4 unit residential properties
  • Minimum Loan Amount: $150,000 (personal name) or $100,000 (LLC)
  • Loan-to-Value: Up to 80% for purchase, 70% for cash-out
  • Underwriting: Based on the property’s rental income, not personal income
  • Credit: No U.S. credit required
  • Closing Time: 30-45 days

New Collaborations: Bridgewater International

In 2024, we proudly introduced our partnership with Bridgewater International, a trusted property management company specializing in U.S. real estate investments for international clients. Their expertise ensures that your property investments are professionally managed and strategically positioned to deliver maximum returns.

Watch our latest webinar with Bridgewater International here:

This collaboration gives you access to top-tier property care, ensuring peace of mind throughout your ownership journey.

Platform Updates: Launch of Our App

We’re thrilled to announce the America Mortgages App, launching in 2025! This app will simplify your real estate investment process and put everything you need at your fingertips.

Key Features:

  • Seamless Loan Applications: Apply directly from your phone.
  • Real-Time Tracking: Stay updated on your loan status anytime.
  • Tailored Market Updates: Receive personalized insights to guide your decisions.
  • 256-Bit Encryption: Robust security to keep your financial data safe.
  • 24/7 Accessibility: Manage your mortgage and connect with loan officers anytime.

With its user-friendly design, this app will help you manage your investments faster, smarter, and more securely.

Looking Ahead

The U.S. real estate market in 2025 promises steady opportunities, with decreasing mortgage rates and continued demand for homes. America Mortgages is committed to supporting your investment journey with new programs and trusted partnerships designed to help you succeed.

Thank you for trusting us in 2024. Let’s make 2025 even better together!

Start your investment journey today. Schedule a chat with a loan officer anytime, or if you want to speak to someone right away, call us at +1 (845) 583-0830. We’re ready to assist! You can also reach us at [email protected] or visit our website at www.americamortgages.com to get started.

medida que el 2024 llega a su fin, es el momento perfecto para reflexionar sobre los logros del año y explorar lo que nos depara el cambiante mercado inmobiliario de Estados Unidos. Con una nueva administración presidencial, tendencias creativas en préstamos hipotecarios, tasas bajas esperadas y oportunidades únicas en propiedades de inversión, el 2025 promete ser un año emocionante para los inversores de America Mortgages. Aquí tienes un resumen de lo que puedes esperar y las últimas actualizaciones de America Mortgages.

¿Cómo será el mercado en 2025?

El mercado de la vivienda en Estados Unidos está evolucionando, y estas son algunas predicciones clave para el próximo año:

Tasas hipotecarias más bajas y estables

Los expertos anticipan que las tasas hipotecarias se estabilizarán entre el 5.5% y el 6.0% hacia finales de 2025. Según HousingWire, esta estabilidad hará que el financiamiento sea más predecible, ayudando a los compradores a planificar con mayor confianza.

Demanda de viviendas asequibles

Las viviendas asequibles seguirán siendo una prioridad, especialmente en ciudades como Cleveland, Kansas City y Tampa. Estas áreas, destacadas por Yahoo Finance, están en auge gracias a los precios más bajos de las viviendas y los crecientes mercados laborales.

Variaciones regionales en los precios

Mientras que las ciudades con altos costos pueden experimentar un crecimiento más lento en los precios, las regiones con una fuerte creación de empleo y mejoras en infraestructura podrían ver un aumento en la demanda y precios más altos. HousingWire señala que estos cambios regionales serán significativos.

Nuevos programas de préstamos: Asset-Backed Bridge & Rental Coverage+

Este año lanzamos dos emocionantes programas diseñados para ofrecer a los inversores internacionales opciones de financiamiento flexibles y eficientes:

Programa AM Asset-Backed Bridge Loan

Enfocado en el valor de la propiedad en lugar de los ingresos personales, el crédito o el flujo de efectivo, este programa ofrece acceso rápido a capital con tasas competitivas y un proceso simplificado.
Características principales:

  • Ingresos: No se requieren ingresos personales.
  • Crédito: No se requiere crédito en EE.UU.
  • Tipos de préstamos: Compra, refinanciamiento y refinanciamiento con retiro de efectivo.
  • Plazos: 12-24 meses.
  • Montos: De $300,000 a $100 millones.
  • Calificación: Basada únicamente en el valor de la propiedad.
  • Préstamo a valor (LTV): Hasta el 75%.
  • Tiempo de cierre: 5-14 días.

Programa America Mortgages Rental Coverage+

Este programa permite a los inversores calificar basándose en los ingresos por alquiler de la propiedad, haciendo que el proceso sea sencillo y sin complicaciones. ¡Es puro sentido común y cómo deberían evaluarse todas las propiedades de inversión!
Características principales:

  • Tipo de propiedad: Viviendas residenciales de 1 a 4 unidades.
  • Monto mínimo del préstamo: $150,000 (nombre personal) o $100,000 (LLC).
  • LTV: Hasta el 80% para compras, 70% para refinanciamiento con retiro de efectivo.
  • Evaluación: Basada en los ingresos por alquiler de la propiedad, no en los ingresos personales.
  • Crédito: No se requiere crédito en EE.UU.
  • Tiempo de cierre: 30-45 días.

Nuevas colaboraciones: Bridgewater International

En 2024, presentamos orgullosamente nuestra asociación con Bridgewater International, una confiable empresa de gestión de propiedades especializada en inversiones inmobiliarias en EE.UU. para clientes internacionales. Su experiencia asegura que tus inversiones estén profesionalmente gestionadas y estratégicamente posicionadas para ofrecer máximos rendimientos.


Mira nuestro último seminario web con Bridgewater International aquí:


Esta colaboración te brinda acceso a servicios de cuidado de propiedades de primer nivel, asegurando tranquilidad durante todo el proceso de propiedad.

Actualizaciones de la plataforma: Lanzamiento de nuestra aplicación

¡Nos complace anunciar el lanzamiento de la aplicación America Mortgages en 2025! Esta aplicación simplificará tu proceso de inversión inmobiliaria y pondrá todo lo que necesitas al alcance de tu mano.
Características principales:

  • Solicitudes de préstamo sencillas: Solicita directamente desde tu teléfono.
  • Seguimiento en tiempo real: Mantente actualizado sobre el estado de tu préstamo en cualquier momento.
  • Actualizaciones del mercado personalizadas: Recibe información personalizada para guiar tus decisiones.
  • Cifrado de 256 bits: Seguridad robusta para proteger tus datos financieros.
  • Accesibilidad 24/7: Gestiona tu hipoteca y conecta con agentes de préstamos en cualquier momento.
    Con su diseño intuitivo, esta aplicación te ayudará a gestionar tus inversiones de manera más rápida, inteligente y segura.

Mirando hacia el futuro

El mercado inmobiliario de EE.UU. en 2025 promete oportunidades constantes, con tasas hipotecarias en descenso y una demanda continua de viviendas. America Mortgages está comprometida a apoyar tu trayectoria de inversión con nuevos programas y asociaciones confiables diseñadas para ayudarte a tener éxito.
Gracias por confiar en nosotros en 2024. ¡Hagamos que 2025 sea aún mejor juntos!

Comienza tu inversión hoy

Programa una conversación con un agente de préstamos en cualquier momento. Si deseas hablar con alguien de inmediato, llámanos al +1 (845) 583-0830. ¡Estamos listos para ayudarte! También puedes escribirnos a [email protected] o visitar nuestro sitio web en www.americamortgages.com para comenzar.

随着2024年的结束，现在是反思今年成就并探索美国房地产市场未来发展方向的最佳时刻。伴随着新一届总统政府的上任、抵押贷款领域的创新趋势、预期的低利率以及独特的投资房产机会，2025年对于America Mortgages的投资者来说，将是一个令人期待的精彩年份。以下是对市场前景的简要分析以及America Mortgages的最新动态。

2025年的市场将会怎样？

美国的房地产市场正在不断演变，以下是一些对来年市场的关键预测：

抵押贷款利率将下降并趋于稳定

专家预测，到2025年底，抵押贷款利率将稳定在5.5%至6.0%之间。根据HousingWire的报道，这种稳定性将使融资变得更加可预测，帮助买家能够更有信心地进行计划。

对经济适用房的需求

经济适用房将继续成为优先事项，特别是在克利夫兰、堪萨斯城和坦帕等城市。这些地区因较低的房价和不断扩大的就业市场而繁荣发展，Yahoo Finance对此进行了重点报道。

地区价格差异

虽然高成本城市的房价增长可能会放缓，但就业创造强劲和基础设施改善的地区可能会出现需求上升和价格上涨。HousingWire指出，这些地区变化将非常显著。

新贷款计划：资产抵押过渡贷款和租金覆盖+

今年，我们推出了两个激动人心的计划，旨在为国际投资者提供灵活高效的融资选择：

资产抵押过渡贷款计划

该计划重点关注物业价值，而非个人收入、信用或现金流，为客户提供快速的资本获取、竞争性利率和简化的处理流程。
主要特点：

  • 收入要求： 无需个人收入。
  • 信用要求： 无需美国信用记录。
  • 贷款类型： 购买、再融资和现金提取再融资。
  • 贷款期限： 12至24个月。
  • 贷款金额： $300,000至$1亿。
  • 资格： 仅基于物业价值。
  • 贷款价值比（LTV）： 高达75%。
  • 完成时间： 5至14天。

租金覆盖+贷款计划

该计划允许投资者根据物业的租金收入来申请资格，使得过程简单高效。这是一种实用、常识性的方法，也是所有投资物业应当采用的审批方式！
主要特点：

  • 物业类型： 1-4单元住宅物业。
  • 最低贷款金额： 个人名义$150,000或LLC名义$100,000。
  • 贷款价值比（LTV）： 购买高达80%，现金提取高达70%。
  • 审批依据： 基于物业租金收入，而非个人收入。
  • 信用要求： 无需美国信用记录。
  • 完成时间： 30至45天。

新合作伙伴关系：Bridgewater International

在2024年，我们自豪地推出了与Bridgewater International的合作伙伴关系。这是一家值得信赖的物业管理公司，专注于为国际客户管理美国房地产投资。他们的专业知识确保您的物业投资能够得到专业管理，并通过战略定位实现最大回报。


观看我们与Bridgewater International的最新网络研讨会：


这项合作为您提供顶级物业管理服务，确保您在整个持有期间获得安心体验。

平台更新：推出我们的应用程序

我们很高兴地宣布，America Mortgages应用程序将于2025年推出！这款应用将简化您的房地产投资流程，让您随时随地掌控一切。
主要特点：

  • 简便的贷款申请： 直接通过手机申请。
  • 实时状态跟踪： 随时了解您的贷款状态。
  • 个性化市场更新： 接收量身定制的洞察，指导您的决策。
  • 256位加密： 强大的安全性保护您的财务数据。
  • 全天候可访问性： 随时管理您的贷款并与贷款专员联系。
    直观的设计将帮助您更快速、更智能、更安全地管理投资。

展望未来

2025年的美国房地产市场将带来稳定的机会，包括抵押贷款利率下降和对住房的持续需求。America Mortgages致力于通过全新计划和可靠的合作伙伴关系支持您的投资旅程，助您成功。
感谢您在2024年对我们的信任。让我们一起创造更美好的2025年！

开始您的投资旅程

随时安排与贷款专员的聊天。如果您希望立即与我们联系，请致电 +1 (845) 583-0830。我们已准备好为您提供帮助！您也可以通过 [email protected] 写信给我们，或访问我们的网站 www.americamortgages.com 开始您的旅程。