(929) 333 6037 [email protected]

American Expat Mortgage Broker

Assisting American expats and foreign citizens contact a US mortgage broker

Review Existing Loans

Review your existing US mortgages to refinance for a better deal

Start or Build Portfolio

Start or continue to build your US property portfolio

Future Forever Home

Purchase your dream US property to live in

Can I get a US mortgage whilst living overseas?

You can borrow up to 80% value

US expats can obtain a home loan up to a 80% LTV (Loan To Value) of the property value. Our US mortgage broker will be able to provide more detail on this.

You can borrow using foreign income

Overseas income will be converted from foreign currency to USD (using an FX conversion) and depending on the lender a portion of the USD income will be used for borrowing purposes. Your US mortgage broker will provide detail on this.

You can use self-employed income

If you run an overseas business, this income can still be used for borrowing purposes. Full financial statements and an accountants letter will be required as supporting documents. If the information is presented in a language other than English, this will need to be translated.

Home loan purpose

American expats can obtain a mortgage to purchase a new or existing investment property, refinance existing mortgages, access existing equity or construct a new property. Talk to your US mortgage broker today.

What currencies are acceptable for a US Mortgage?


The most common currencies accepted:

  • United States Dollard (USD), Australian Dollar (AUD), Great Britain Pounds Sterling (GBP), Euro, Singapore Dollar (SGD), Canadian Dollar (CAD), Hong Kong Dollar (HKD), Japanese Yen (JPY), Swiss Franc (CHF), New Zealand Dollar (NZD), Chinese Renminbi (CNY).

These are considered tier one currencies for the US banks and increase your chance of getting a loan.

  • Bahrain Dinar (BHD), Bruneian Dollar (BND), Danish Krone (DKK), Fijian Dollar (FJD), Indian Rupee (INR), Indonesian Rupiah (IDR), Kuwaiti Dinar (KWD), Macau Pataca (MOP), Malaysian Ringgit (MYR), Norwegian Krone (NOK), Oman Rial (OMR), Papua New Guinean Kina (PGK), Philippine Peso (PHP), Qatari Riyal (QAR), Samoan Tala (WST), Saudi Arabian Riyal (SAR), Solomon Island Dollar (SBD), South African Rand (SAR), South Korean Won (KRW), Sri Lankan Rupee (LKR), Taiwan New Dollar (TND), Thai Baht (TBH), Tongan Pa’anga (TOP), Turkish Lira (TRY), United Arab Emirates Dirham (AED), Vanuatu Vatu (VUV), Vietnamese Dong (VND).

These currencies can be accepted, but as they are considered tier two currencies. Speak with a US mortgage broker to discuss in detail, your options available.

What types of borrowers can get a US mortgage?

  • Visa Holders: F1, II1C, I14, G1-G4, E1-E3, L1, L1A, L1B, L2, P1, R1, TN, O1, B1 and B2.
  • Non Visa Holders
  • US citizens living abroad.
  • Green card holders

How much can I borrow?

  • 50% -70% Loan to Value – Non visa holders
  • 75%-80% Loan to Value – US citizens living abroad, Green card and Visa holders.
  • Every lender that allows residential mortgage financing to US citizens living abroad, Green card and Visa holders has differing guidelines.  The exact amount financed will be determined by each lender after a thorough review of all supporting documentation.

Income Document Requirements

Self-employed borrowers:

  • CPA letter stating position of borrower, % of ownership, when company started, type of business.
  • Certificate of CPA license.
  • If overseas income, CPA letter must be translated by a certified translator.

Salaried Employees:

  • Most recent 2 years income documentation.
  • If overseas income, all documentation must be translated by a certified translator.

Credit Document Requirements

  • US credit report (if applicable).
  • International credit report.
  • Credit reference letters from country of origin.

Asset Document Requirements

  • All liquid assets must be sourced whether from US or overseas institutions.
  • Non visa holders will be required to open a US bank account for down payments funds, post closing reserves or direct debit for mortgage payments


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About Us

At Expat Mortgage Broker

We understand the challenges existing and returning US Expats and foreign citizens face with their US mortgage needs. Contact us to start the conversation about your home loan with a US mortgage broker.

“Professional and timely in their dealings. Went above and beyond to ensure we got the home loan deal. Would highly recommend to anyone

Rebecca Coldrey

A family member was looking to purchase a property in Melbourne and I came across the hfinance team when we were shopping around. They’re very knowledgeable, professional and very easy to deal with. I highly recommend them to anyone looking for mortgage products in Australia.

Sandeep Galketiya

Professional service. The team helped in providing credit advice around my borrowing capacity, what the lenders require as an expat to get a loan, the costs involved and kept me in the loop all the way until settlement. Would recommend!

Tinny Liu

Join Us

We take the time to understand our clients

We understand the challenges that American expats across the globe face. By taking the time to understand their goals and objections, we pride ourselves on providing professional credit advice.

Contact Us

(503) 887-3619

Mortgage Professional

NMLS 1440237

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