Author: Premela R.

Curious how America Mortgages qualifies a foreign national or U.S. expat borrower for a U.S. mortgage loan while living abroad? We’ll explain this at the end of the article. Stay tuned.

Key takeaways from this week’s Bankrate article:

• Despite today’s high mortgage rates, home prices continue to rise due to a lack of housing supply.
• Economists predict that any market correction will be modest and not on the scale of the Great Recession.
• Experts do not expect a housing market crash, due to low inventory, strict lending standards and other factors.

Much to the chagrin of would-be homebuyers, property prices just keep rising. It seems nothing — not even some of the highest mortgage rates of the past two decades — can stop the continued climb of home prices.

Prices increased once again in February, according to the National Association of Realtors (NAR), which reports that median existing-home prices were up 5.7 percent over last year — the eighth month in a row of year-over-year jumps. In another reflection of ongoing increases, the S&P CoreLogic Case-Shiller home price index for January was up 6 percent from a year earlier.

So much for the idea that a “housing recession” would reverse some of the outsized price gains in homes. The U.S. housing market had finally started slowing in late 2022, and home prices seemed poised for a correction. But a strange thing happened on the way to the housing market crash: Home values started rising again.

“Prices will remain firm and will not decline on a national level.” – Lawrence Yun, Chief Economist, National Association Of Realtors

NAR data shows that median sale prices of existing homes are near record highs. February 2024’s median of $384,500 is off the all-time-high of $413,800, but it’s the highest February median on record. (Seasonal fluctuations in home prices typically make late spring the highest-priced time of the year — the all-time-high was reached in June 2022.)

Home prices have also risen more quickly than wages, a reality that intensifies affordability challenges, says Lawrence Yun, NAR’s chief economist. “Any time home prices outpace people’s incomes, that is not good,” Yun told reporters recently. The result is a squeeze on first-time buyers — but repeat buyers can rely on gains from the housing market and their stock portfolios to finance purchases, Yun said.

Home values held steady even as mortgage rates soared to 8 percent in October 2023, reaching their highest levels in more than 23 years. (They have since dipped, falling briefly below 7 percent before averaging 7.05 percent in Bankrate’s weekly survey released April 3.) The main culprit is a lack of housing supply. Inventories remain frustratingly tight, with NAR’s February data showing only a 2.9-month supply.

“You’re not going to see house prices decline,” says Rick Arvielo, head of mortgage firm New American Funding. “There’s just not enough inventory.”

Skylar Olsen, chief economist at Zillow, agrees about the supply-and-demand imbalance. Her recent forecast says home prices will keep rising in 2024 — welcome news for sellers but not so great for first-time buyers struggling to become homeowners. “We’re not in that space where things are suddenly going to be more affordable,” Olsen says.

In fact, the trend is quite the opposite. According to Realtor.com’s March 2024 Housing Market Trends Report, high mortgage rates have increased the monthly cost of financing the typical home (after a 20 percent down payment) by 2.9 percent since last year. That equates to $63 more in monthly payments than a buyer last March would have seen.

Taking all this into account, housing economists and analysts agree that any market correction is likely to be a modest one. No one expects price drops on the scale of the declines experienced during the Great Recession.

Is the housing market going to crash?

No. There are still far more buyers than sellers, and that means a meaningful price decline can’t happen: “There’s just generally not enough supply,” says Mark Fleming, chief economist at title insurer First American Financial Corporation. “There are more people than housing inventory. It’s Econ 101.”

Dave Liniger, the founder of real estate brokerage RE/MAX, says the sharp rise in mortgage rates has skewed the market. Many would-be buyers have been waiting for rates to drop — but if mortgage rates do decline meaningfully, it could send new buyers flooding into the market, pushing up home prices.

“You’ve got an entire generation of pent-up demand,” Liniger says. “We’re in this fascinating position of tremendous demand and too little inventory. When interest rates do start to come down, it’ll be another boom-and-bust cycle.”

NAR’s Yun notes that some once-hot markets, like Austin, Texas, have seen small declines in prices. But he sees little chance of falling prices on a broader scale. “Prices will remain firm and will not decline on a national level,” he said.

Key housing market statistics

• According to Bankrate’s weekly national survey of large lenders, the average mortgage interest rate on a 30-year loan was 7.05 percent as of April 3.
• Existing-home sales rose 9.5 percent from January 2024 to February 2024, the National Association of Realtors says. However, even with that sizable increase, year-over-year volume was down by 3.3 percent.
• The nationwide median sale price in February was $384,500, per NAR, an increase both month-over-month and year-over-year.
• February saw a slim 2.9-month supply of housing inventory, well below the 5 to 6 months needed for a healthy, balanced market — one that favors neither buyers nor sellers.
• A total of 32,938 U.S. homes had foreclosure filings — default notices, scheduled auctions or bank repossessions — in February, according to the latest numbers from ATTOM Data Solutions.  That’s down 1 percent from January but up 8 percent from a year ago. South Carolina had the highest foreclosure rate of any state in February, at one foreclosure filing for every 2,248 housing units.

Back in 2005 to 2007, the U.S. housing market looked downright frothy before home values crashed, with disastrous consequences. When the real estate bubble burst, the global economy plunged into the deepest downturn since the Great Depression. Now that the recent housing boom has been threatened by skyrocketing mortgage rates and a potential recession — Bankrate’s most recent expert survey puts the odds at 33 percent — buyers and homeowners are asking, when will the housing market crash?

However, housing economists agree that it will not crash: While prices could fall, the decline will not be as severe as the one experienced during the Great Recession. One obvious difference between now and then is that homeowners’ personal balance sheets are much stronger today than they were 15 years ago. The typical homeowner with a mortgage has stellar credit, a ton of home equity and a fixed-rate mortgage locked in at a low rate — in fact, a December analysis by Realtor.com report found that two-thirds of all current mortgages had rates below the 4 percent mark.

What’s more, builders remember the Great Recession all too well, and they’ve been cautious about their pace of construction. The result is an ongoing shortage of homes for sale. “We simply don’t have enough inventory,” Yun says. “Will some markets see a price decline? Yes. [But] with the supply not being there, the repeat of a 30 percent price decline is highly, highly unlikely.”

Existing home prices

Economists have long predicted that the housing market would eventually cool as home values become a victim of their own success. After posting a year-over-year decrease in February 2023 for the first time in more than a decade, the median sale price of a single-family home has been on the rise again, with a 5.7 percent annual gain in February, according to NAR. That represents the eighth month in a row of year-over-year increases.

Overall, home prices have risen far more quickly than incomes. That affordability squeeze is exacerbated by the fact that mortgage rates have more than doubled since August 2021.

Experts say prices to hold strong

While the housing market is indeed cooling, this slowdown doesn’t look like most real estate downturns. Despite prices being high, the actual volume of home sales has plunged, and inventories are still too low to meet demand. Homeowners who locked in 3 percent mortgage rates several years ago are declining to sell — and who can blame them, with current rates more than double that? — so the supply of homes for sale is even tighter. As a result, the correction will be nothing like the utter collapse of property prices during the Great Recession, when some housing markets experienced a 50 percent cratering of values.

“We will not have a repeat of the 2008–2012 housing market crash,” Yun said in a statement last fall. “There are no risky subprime mortgages that could implode, nor the combination of a massive oversupply and overproduction of homes.”

Ken H. Johnson, a housing economist at Florida Atlantic University, says the housing market is being pulled in two competing directions. “I think we are in for a period of relatively flat housing price performance around the country as high mortgage rates put downward pressure on prices, while significant demand from household formation and an inventory shortage place upward pressure,” he says. “These forces, for now, should balance each other out.”

5 reasons there will be no housing market crash

Housing economists point to five compelling reasons that no crash is imminent.

1. Inventories are still very low: A balanced market typically has a 5- or 6-month supply of housing inventory. The National Association of Realtors says there was just a 2.9-month supply of homes for sale in February (and back in early 2022, that figure was a tiny 1.7-months). This ongoing lack of inventory explains why many buyers still have little choice but to bid up prices. And it also indicates that the supply-and-demand equation simply won’t allow a price crash in the near future.
2. Builders didn’t build quickly enough to meet demand: Homebuilders pulled way back after the last crash, and they never fully ramped up to pre-2007 levels. Now, there’s no way for them to buy land and win regulatory approvals quickly enough to quench demand. While they are building as much as they can, a repeat of the overbuilding of 15 years ago looks unlikely. “The fundamental reason for the run-up in price is heightened demand and a lack of supply,” says Greg McBride, Bankrate’s chief financial analyst. “As builders bring more available homes to market, more homeowners decide to sell and prospective buyers get priced out of the market, supply and demand can come back into balance. It won’t happen overnight.”
3. Demographic trends are creating new buyers: There’s strong demand for homes on many fronts. Many Americans who already owned homes decided during the pandemic that they needed bigger places, especially with the rise of working from home. Millennials are a huge group and in their prime buying years, and Hispanics are a growing demographic also keen on homeownership.
4. Lending standards remain strict: In 2007, “liar loans,” in which borrowers didn’t need to document their income, were common. Lenders offered mortgages to just about anyone, regardless of credit history or down payment size. Today, lenders impose tough standards on borrowers — and those who are getting a mortgage overwhelmingly have excellent credit. The median credit score for new mortgage borrowers in the the fourth quarter of 2023 was an impressive 770, the Federal Reserve Bank of New York says. “If lending standards loosen and we go back to the wild, wild west days of 2004-2006, then that is a whole different animal,” says McBride. “If we start to see prices being bid up by the artificial buying power of loose lending standards, that’s when we worry about a crash.” Quite the opposite: A recent Federal Reserve survey of senior loan officers reveals that lending standards have actually tightened even further in anticipation of heightened demand when rates eventually drop.
5. Foreclosure activity is muted: In the years after the housing crash, millions of foreclosures flooded the housing market, depressing prices. That’s not the case now. Most homeowners have a comfortable equity cushion in their homes. Lenders weren’t filing default notices during the height of the pandemic, pushing foreclosures to record lows in 2020. And while there has been an uptick in foreclosures since then, it’s nothing like it was.

All of that adds up to a consensus: Yes, home prices are still pushing the bounds of affordability. But no, this boom shouldn’t end in bust.

America Mortgages has one job, and we do it well. Market Rate U.S. Mortgage Loans for Foreign Nationals and U.S. Expats. 

Our AM FN Investor + and AM U.S. Expat Mortgage + are two specialized mortgage programs by America Mortgages for foreign nationals and U.S. expats investing in U.S. real estate.

AM FN Investor + offers a simplified income documentation process, ideal for foreign nationals seeking U.S. property investments, regardless of passport or credit history. 

AM U.S. Expat Mortgage + caters to U.S. citizens abroad, allowing qualification with foreign income without needing a W2 or U.S. credit history. These programs streamline the mortgage process for investors living overseas.

AM FN Investor +:

• Simplified income documentation: a letter from your accountant or employer stating your last two years of income and current year-to-date income
• Foreign nationals seeking to invest in U.S. real estate
• No requirement for U.S. credit history or a U.S. footprint
• Acceptance of various forms of income, including self-employment income, bonus income, deferred compensation, etc
• Documentation may need professional translation if not in English
• Available in all 50 states regardless of passport

AM U.S. Expat Mortgage +:

• No W2 required
• No U.S. credit history needed
• Ability to use foreign income for qualification
• Loan-to-value (LTV) up to 80% for U.S. expats with foreign-earned income
• Available for purchase, cash-out, or refinance
• Documentation required:
  • Two years of U.S. tax returns (or alternative documentation if unavailable)
  • Two months of foreign bank statements
  • One month of foreign pay statements
  • U.S. passport or driver’s license

These programs aim to simplify the mortgage application process for foreign nationals and U.S. expats, making it easier for them to invest in U.S. real estate.

America Mortgages provides different types of mortgages designed specifically for Americans living abroad and foreigners/non-U.S. residents looking to buy or refinance properties in the U.S. 

These mortgages offer 30-year fixed rates regardless of the borrower’s age. In addition to standard mortgages that include both principal and interest, we also offer a 10-year fixed interest-only mortgage, which can help with cash flow while providing the surety of a fixed rate payment. 

If you’re interested in learning more about these options, don’t hesitate to contact us at [email protected] or visit our website at www.americamortgages.com. Additionally, if you’d like to schedule a commitment-free meeting with one of our U.S. loan officers to explore your U.S. mortgage options further, you can do so using our 24/7 calendar link.

During our recent webinar titled “Managing U.S. Property from Abroad,” hosted by Phil Gerathy (PG), Managing Director at Austplan Management Inc, and featuring America Mortgages’ CEO Robert Chadwick (RC), they addressed numerous questions regarding property management in the U.S. and financing options for investors. For those who missed the webinar, the recording is available here.

Phil Gerathy and Robert Chadwick have dedicated time to provide detailed responses to the questions received, with remarks edited for clarity and brevity.

Remarks have been edited for clarity and brevity.

Q: A friend of mine had an investment property in the U.S.; however, communication was a problem. Can I be assured of ease in communication?

PG: Yes, ease of communication is ensured. Offices are available in Southeast Asia, Australia, and the United States, with staff reachable via various means, including WeChat, WhatsApp, telephone, and email, regardless of time zones.

Q: This may sound like a basic question, but how can you assure me I won’t have to worry about my property?

PG: Assurance comes from 16 years of experience and a reliable infrastructure. The team at America Mortgages and Austplan Management knows how to deliver peace of mind through effective communication and proven referrals.

Q: What question do foreign investment property buyers ask the most?

RC: The most common question concerns how to get started. Many potential investors living abroad wonder how to begin the process of acquiring property in the U.S.

Q: Could you provide an overview of your service fees, including approximate figures?

Please contact us for specific chargers for services.

Q: How exactly do you deploy people all over the U.S.? For instance, if I buy property in San Francisco but you don’t have a presence there, you mentioned having someone in Los Angeles. Can you explain how this works?

PG: In locations without a resident office, the closest individual is called upon to handle the property. Infrastructure for property management can be established remotely from the head office in Dallas, Texas.

Q: I am ready to go, but my wife is extremely risk-averse. Do you have reference/referrals of happy clients that we could communicate with (for both the mortgage and the property management service)?

RC: References or referrals of satisfied clients are available upon request. Both America Mortgages and Austplan Management can provide contacts for potential clients to communicate with.

Q: Can you do 30-year variable rates?

RC: Yes, 30-year variable rates are offered.

Q: Which states do you manage properties in?

PG: Properties are managed in various states across the U.S., including west coast states, Texas, Florida, New York, New Jersey, Michigan, and Washington state.

Q: Can I visit your team in Dubai?

RC: Yes, arrangements can be made to meet with team members in Dubai.

Q: Are there any issues with purchasing a couple of low-value properties that would total a similar amount to a 200k loan?

RC: Yes, there are potential loan programs that could accommodate the purchase of multiple low-value properties totalling a similar amount to a $200,000 loan. We would need to discuss your specific situation with one of our loan officers to determine the best options available to you. If this is something you’re interested in pursuing, we can explore the possibilities and tailor a solution to meet your needs.

Q: Do you offer HELOC for foreign nationals wanting to purchase in the U.S.?

RC: HELOCs, which is a home equity line of credit or a second mortgage, are not available for foreign nationals, but options may exist for U.S. expats.

Q: American citizen living overseas 20+ years with no U.S. credit anymore.. Which program would apply to me? U.S. expat or foreign investor?

RC: American citizens living abroad can qualify using credit from the country they reside in. You can potentially qualify as U.S. expats after re-establishing your U.S. credit, which may offer better pricing, and can later refinance into a U.S. citizen rate.

Q: Firstly, thank you for the presentation. Just wondering about the deal for tenants. What is the standard renovation deal for tenants? Two years, or if I have intentions to move to the US in the short term, can I request my property before the end of the term? And can I sell my property to buy a new one?

PG: The standard lease period ranges from either one or two years. It’s 50-50. Some people will sign a one-year lease and then extend, and that process means that we get involved in the negotiation to increase the rent in the second year, some tenants will sign a two-year lease where we’ll lock in a rate, but that’s higher than what it would be if it was a one year lease. Rarely, do we get much past a two-year lease, but we do have several people that will stay on and we have tenants that have been in houses for three and four years. We just continually renew the lease and adjust the rent.

Q: Should I get an IPA before I buy this property?

A: Yes, it’s advisable to obtain a pre-approval before purchasing a property to understand current rates, mortgage payments, and ensure readiness to make an offer. Pre-approval is typically required before entering into a purchase agreement.

Q: Approximate rates for these programs at the moment?

RC: For US citizens, current rates for a 30-year fixed mortgage are around 7%. For expats or foreign nationals, rates are typically 0.75% to 1% higher.

Q: Application fees?

RC: There are no application fees charged for completing the mortgage application process. Pre-approval can be obtained within 72 hours, and fees are only paid at the close of the transaction, typically around 2% of the loan amount.

Q: I have 21 condos, all in the Fort Lauderdale area. Nine different complexes. What is the cost of property management for each/all units?

PG: Property management fees are typically based on the gross monthly rent and can range from 5% to 8%, depending on factors such as the number of properties owned.

Q: How can I help my kids build a credit score if I only buy one property?

RC: It’s going to depend on how you structure the loan. But if that is a requirement for the loan, children can be added to the loan as long as they obtain an ITIN (Individual Taxpayer Identification Number) to start building credit.

Q: Are we able to speak to a few current long-term customers on their experience using you as their property manager?

PG: Yes, references from current long-term customers can be provided upon request to confirm the quality of service provided.

Q: What’s Austplan’s fees for property management?

PG: We don’t charge any fees for hands-on or day-to-day management of the property. We charge one fee, and that’s a monthly management fee based on the gross rent that we receive. If the property is not tenanted, we don’t charge the management fee. We only charge a management fee once the tenant has been located and has moved in. Property management fees typically start at 8% of the gross monthly rent for a single property and can be negotiated down to around 6% for multiple properties.

Q: Can New York offices manage or sublet management properties in Philadelphia?

PG: Yes, properties in different cities can be managed from a central office, with local personnel handling on-site maintenance and specific city-related issues.

Q: How often do you make regular site visits to properties under your management?

PG: Site visits are typically conducted every six months, with additional visits as needed based on tenant or homeowner association requirements.

Q: What is the average amount of expenses paid before the property has positive cash flow? Management, taxes, insurance, maintenance, and other costs?

PG: Excluding interest on borrowings, properties can achieve positive cash flow from the second month of a tenant moving in.

Q: Since the current interest-only mortgage rates are high, why would I want to go for a fixed rate over five or ten years? How do I take advantage of these drops in two to three years?

RC: Fixed-rate mortgages offer stability and predictability in payments over the long term, providing peace of mind. While rates may drop in the future, fixed-rate mortgages ensure consistent payments and protection against potential rate increases.

Q: Do you help manage short-term rentals such as Airbnb?

PG: Currently, short-term rental management, such as Airbnb, is not offered due to homeowner association restrictions and concerns about day-to-day management. However, exploratory efforts are being made for certain property types.

Q: Can you manage large multifamily or apartments with a lot of units? If so, what is the maximum number of units, and how would that work with the rates?

PG: Yes, large multifamily properties with numerous units can be managed, with on-site management often required for larger buildings. Rates typically start at around 5% of gross rent for large properties.

Q: Are management fees tax deductible?

PG: Yes, management fees are typically tax-deductible expenses, along with other property-related costs, helping to reduce tax liability.

Q: How do you manage repairs and repair costs?

PG: Repairs and maintenance are managed through a panel of qualified tradespeople, with tenants initiating maintenance requests through a management platform. Repairs over a certain threshold are approved by property owners.

Q: Can you manage properties in Austin, Texas, Atlanta, Georgia, Nashville, Tennessee, Charlotte, and Raleigh, North Carolina, Indianapolis, Indiana, and three cities in Florida?

PG: Yes, properties in various cities and states can be managed remotely, with local personnel handling on-site management and specific city/state requirements.

Q: What are the costs of refinancing a property to a lower rate?

RC: Refinancing costs depend on current rates, loan terms, and specific state requirements. These costs include brokerage fees, title insurance, appraisal fees, and other related expenses.

Q: Phil, are you based in Brisbane?

RC: Yes, Phil is based in Brisbane, Australia, but travels frequently to various offices in the United States for business purposes.

Q: Do you process a loan for a foreign national under my LLC, registered in Delaware instead of under my individual name?

RC: Yes, loans can be processed for foreign nationals under an LLC, with the individual being responsible for the loan while the property ownership can be held by the LLC.

As a professional investor for most of my life, I have developed systems to derive my investment choices. 

For real estate, I prioritise positive cash flow and, to a lesser extent, capital appreciation, although both are correlated. 

Real estate investment is not to be confused with a second home, pied-de-terre, or vacation home. These are not income-generating assets and have very different reasons for owning. 

Since positive cash flow is my priority, I look at which states have high rental yields, potential rent growth, and what specific criteria drive this growth.

Supply and Demand => If more folks are renting in a community faster than the supply of available rentals can support, rental prices tend to increase over time. 

What drives Demand?

Typically, this is population growth. For example, if California is expensive to live in, you can move to Arizona. If New York is expensive, you can move to Florida, and so on.  

What attributes would attract people to move to another state?

• Cost of living
• State income tax rates
• Education
• Job prospects
• Wage growth, and many more

In this article, I will examine the Cost of Living and Disposable Income criteria.

In later articles, I will share how I screen for these other criteria, so stay tuned!

What is the Cost of Living?

It is the amount you spend on essential expenses under a normal and reasonable lifestyle.

We also need to take into consideration Salary and Wages since a low Cost of Living state is often associated with lower salary prospects.

We will now look at the average amount you have “leftover” after spending on essentials = Disposable Income.   

Does a high disposable income state represent the best place to own an investment portfolio?

Not necessarily, since taxes, property prices, education, and other factors are not taken into consideration.

Without giving away the secret sauce, the top states to own for cash flow are around the middle of 2 lists.

Next week, I will look at: Average property prices, Population growth, GDP growth, and Rental yield to determine which state(s) is the best to own a U.S. real estate investment in.

State	Cost of living (annual $)
Mississippi	$32,336
Arkansas	$32,979
Alabama	$33,654
Oklahoma	$33,966
New Mexico	$34,501
Tennessee	$34,742
South Carolina	$34,826
West Virginia	$34,861
Kansas	$35,185
Missouri	$35,338
Kentucky	$35,508
Louisiana	$35,576
North Dakota	$35,707
Iowa	$35,871
Ohio	$35,932
Indiana	$36,207
North Carolina	$36,702
South Dakota	$36,864
Michigan	$37,111
Montana	$37,328
Wisconsin	$37,374
Nebraska	$37,519
Wyoming	$37,550
Texas	$37,582
Idaho	$37,658
Georgia	$38,747
Arizona	$39,856
Maine	$39,899
Pennsylvania	$40,066
Florida	$40,512
Utah	$40,586
Illinois	$41,395
Minnesota	$41,498
Nevada	$41,630
Virginia	$43,067
Vermont	$43,927
Delaware	$44,389
Rhode Island	$44,481
New Hampshire	$45,575
Colorado	$45,931
Oregon	$46,193
Connecticut	$46,912
Washington	$47,231
Maryland	$48,235
Alaska	$48,670
New Jersey	$49,511
New York	$49,623
California	$53,171
Massachusetts	$53,860
Hawaii	$55,491

State	Disposable income
New York	$25,247
Washington	$25,119
Massachusetts	$22,740
Illinois	$22,535
Virginia	$22,523
Connecticut	$22,398
Minnesota	$22,142
Colorado	$21,939
Maryland	$21,515
New Jersey	$21,379
Michigan	$20,889
Ohio	$20,598
North Dakota	$20,093
California	$20,049
Rhode Island	$20,049
New Mexico	$19,899
Texas	$19,718
North Carolina	$19,518
Georgia	$19,253
Missouri	$19,182
Arizona	$18,764
Wisconsin	$18,746
Pennsylvania	$18,404
Tennessee	$18,078
Delaware	$17,871
Kansas	$17,665
Iowa	$17,649
Nebraska	$17,551
Alaska	$17,460
Indiana	$17,293
New Hampshire	$16,975
Oklahoma	$16,974
Alabama	$16,966
Wyoming	$16,890
Utah	$16,774
Oregon	$16,487
Maine	$16,061
Kentucky	$15,982
South Carolina	$15,824
Arkansas	$15,591
Florida	$15,468
Louisiana	$15,364
Vermont	$15,263
Montana	$14,872
West Virginia	$14,309
Nevada	$13,860
Idaho	$13,692
South Dakota	$13,026
Mississippi	$12,844
Hawaii	$5,929

With years of experience in finance, I’ve developed a keen eye for identifying lucrative investment opportunities. At Global Mortgage Group and America Mortgages, we understand the importance of strategic decision-making in real estate ventures. By carefully examining critical factors such as cost of living and disposable income, we guide U.S. expat and non-resident investors towards maximizing their returns while minimizing risks. As we explore various aspects of real estate investment, our commitment remains steadfast in empowering our clients with the knowledge and tools necessary for financial success. Get in touch with us today to navigate the ever-evolving landscape of U.S. real estate together.

www.americamortgages.com