Expat Mortgage Broker

American Expat Mortgage Broker

With an in-depth understanding of US financial requirements, we help American Expats and foreign nationals access mortgage solutions tailored to their needs.

Review Existing Loans

Evaluate your current U.S. mortgage and explore refinancing options for better rates and terms.

Access Competitive Lending Solutions

Gain access to U.S.-based lenders offering specialized mortgage products designed for expats and foreign investors.

Purchase Your Forever Home

Secure your dream home in the U.S. for future living or retirement.

Start or Build Your Portfolio

Begin or continue building your U.S. property investment portfolio with expert guidance.

Can I Get a U.S. Mortgage While Living Overseas?

Borrow Up to 80% Loan-to-Value (LTV)

U.S. expats can access home loans with up to 80% LTV, meaning you can borrow up to 80% of the property’s value. Your U.S. mortgage broker will provide more detailed guidance based on your circumstances.

Overseas Income Conversion

Foreign income will be converted to U.S. dollars (USD) using a foreign exchange (FX) conversion. Depending on the lender, a portion of your converted USD income will be considered for borrowing purposes. Your broker will advise on how much of your income qualifies.

Use of Self-Employed Income

Running your own business abroad? Self-employed income is eligible for consideration. You’ll need to provide full financial statements and an accountant’s letter. If your documents are in a language other than English, certified translations will be required.

Eligible Loan Purposes

American expats can secure a mortgage for various purposes:

  • Purchasing a new or existing investment property
  • Refinancing existing U.S. mortgages
  • Accessing built-up equity
  • Financing new construction

What Currencies Are Acceptable for a U.S. Mortgage?

Many U.S. lenders accept foreign income in a range of global currencies. However, the type of currency you earn in may affect your eligibility and borrowing capacity. Currencies are generally classified into two tiers:

Tier One Currencies

These are the most commonly accepted currencies by U.S. banks and may increase your chances of loan approval:

  • Chinese Renminbi (CNY)
  • United States Dollar (USD)
  • Australian Dollar (AUD)
  • British Pound Sterling (GBP)
  • Euro (EUR)
  • Singapore Dollar (SGD)
  • Canadian Dollar (CAD)
  • Hong Kong Dollar (HKD)
  • Japanese Yen (JPY)
  • Swiss Franc (CHF)
  • New Zealand Dollar (NZD)

Tier Two Currencies

These currencies may still be accepted by select lenders but could require additional documentation or review:

  • Vietnamese Dong (VND)
  • Bahraini Dinar (BHD)
  • Brunei 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)
  • Omani Rial (OMR)
  • Papua New Guinean Kina (PGK)
  • Philippine Peso (PHP)
  • Qatari Riyal (QAR)
  • Samoan Tala (WST)
  • Saudi Riyal (SAR)
  • Solomon Islands Dollar (SBD)
  • South African Rand (ZAR)
  • South Korean Won (KRW)
  • Sri Lankan Rupee (LKR)
  • Taiwan Dollar (TWD)
  • Thai Baht (THB)
  • Tongan Paʻanga (TOP)
  • Turkish Lira (TRY)
  • UAE Dirham (AED)
  • Vanuatu Vatu (VUV)

Note: While Tier Two currencies are accepted by some lenders, they may carry additional restrictions or lending conditions.

What Types of Borrowers Can Get a U.S. Mortgage?

U.S. mortgages are available to a wide range of borrowers, including:

Visa Holders

Eligible visa categories include:
F1, I-1C, I-14, G1–G4, E1–E3, L1, L1A, L1B, L2, P1, R1, TN, O1, B1, and B2.

Non-Visa Holders

  • U.S. citizens living abroad
  • Green card holders

How Much Can I Borrow?

  • Non-Visa Holders: 50%–70% Loan-to-Value (LTV)
  • U.S. Citizens Abroad, Green Card Holders, and Visa Holders: 75%–80% LTV

Every lender has unique criteria. The final approved loan amount depends on a full review of your financial documentation and profile.

Income Documentation Requirements

For Self-Employed Borrowers:

  • If income is from overseas, the CPA letter must be translated by a certified translator
  • CPA letter stating your position, ownership percentage, company start date, and type of business
  • Copy of the CPA’s license

For Salaried Employees:

  • If income is earned overseas, all documents must be translated by a certified translator
  • The most recent 2 years of income documentation

Credit Documentation Requirements

  • U.S. credit report (if available)
  • International credit report
  • Credit reference letters from your country of origin

Asset Documentation Requirements

  • All liquid assets must be properly sourced, whether from U.S. or foreign institutions
  • Non-visa holders must open a U.S. bank account to:
    Transfer down payment funds
    Hold post-closing reserves
    Enable direct debit for mortgage payments

Secure a U.S. Mortgage No Matter Where You Live

Whether you’re a U.S. citizen abroad, a green card holder, or on a visa, our expert brokers make financing your American property simple.

SPEAK TO A U.S MORTGAGE BROKER