Recent research from Polygon, supported by Willow Canyon Advisors and United Wholesale Mortgage (UWM), found that working with an independent mortgage broker saves borrowers an average of $10,662 over the life of a loan compared to non-bank retail lenders. This perfectly aligns with what America Mortgages is all about: offering better value, more options and smarter solutions to its clients.
Why Borrowers Save More with Independent Brokers
According to the study, in 2023, when interest rates were “historically high”, borrowers in the broker channel paid an average of 115 basis points upfront for a 6.58% interest rate, while retail borrowers paid 148 basis points for a slightly higher 6.60% rate. Though the difference seems small, it adds up to significant savings over the life of the loan.
In addition to these financial advantages, America Mortgages offers an expertise that very few, if any, brokers are able to provide. 100% of our clients are either foreign nationals or U.S. Expats. Having loan officers globally, we work on your time and often in your language. We guide you through the mortgage process to secure the best terms and an enjoyable client experience.
What Makes America Mortgages Stand Out?
America Mortgages isn’t just the leading U.S. mortgage provider outside the U.S.; it’s a trusted partner for clients across the globe. America Mortgages delivers competitive interest rates, a wide variety of loan products, and substantial savings over the life of the loan. In a global market that’s constantly changing, having a flexible, experienced mortgage partner is essential.
Key Benefits of Working with America Mortgages:
- $10,662 in Savings: On average, independent brokers save clients more than $10,000 over the life of a loan.
- Higher Approval Rates: The broker channel has a proven track record of securing higher loan approvals for international borrowers, and America Mortgages has a 97% approval rate!
- Personalized Service: America Mortgages offers tailored mortgage solutions designed to meet the unique needs of U.S. expats and foreign nationals.
At America Mortgages, we encourage investors to seize the opportunities that current market conditions present! To support your investment goals, we offer customized loan programs designed to ensure you don’t miss out:
AM Rental Coverage +
- Property Type: 1-4 units (one property)
- Minimum Loan Amount: US$100,000
- Loan-to-Value: Up to 80% for purchase & 70% for cash-out
- Underwriting: Based on the property’s rental income (personal income not required)
- Credit Requirements: No U.S. credit required
- Closing Time: 30-45 days
If you’re looking to invest in U.S. real estate, whether you’re a U.S. expat or foreign national, America Mortgages is the expert partner you need to make homeownership more accessible and affordable.
You can schedule a time to chat with a loan officer 24/7, or if you’d prefer to speak with someone right away, call us at +1 (845) 583-0830. We’re ready to assist!
