{"id":17298,"date":"2024-09-13T05:40:01","date_gmt":"2024-09-13T05:40:01","guid":{"rendered":"https:\/\/www.americamortgages.com\/?p=17298"},"modified":"2025-11-06T11:45:43","modified_gmt":"2025-11-06T11:45:43","slug":"save-10000-on-your-u-s-mortgage-with-america-mortgages","status":"publish","type":"post","link":"https:\/\/www.americamortgages.com\/save-10000-on-your-u-s-mortgage-with-america-mortgages\/","title":{"rendered":"Save $10,000 on Your U.S. Mortgage with America Mortgages!"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Recent research from Polygon, supported by Willow Canyon Advisors and United Wholesale Mortgage (UWM), found that working with an independent mortgage broker\u00a0saves borrowers an average of $10,662\u00a0over 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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why Borrowers Save More with Independent Brokers<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the study, in 2023, when interest rates were &#8220;historically high&#8221;, 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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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&nbsp;<a href=\"https:\/\/www.americamortgages.com\/top-faqs-answered-simplify-your-u-s-mortgage-journey-with-america-mortgages\/\">mortgage process<\/a>&nbsp;to secure the best terms and an enjoyable client experience.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What Makes America Mortgages Stand Out?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">America Mortgages isn&#8217;t just the leading U.S. mortgage provider outside the U.S.; it&#8217;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&#8217;s constantly changing, having a flexible, experienced mortgage partner is essential.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Benefits of Working with America Mortgages:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>$10,662 in Savings:<\/strong>\u00a0On average, independent brokers save clients more than $10,000 over the life of a loan.<br><\/li>\n\n\n\n<li><strong>Higher Approval Rates:<\/strong>\u00a0The broker channel has a proven track record of securing higher loan approvals for international borrowers, and America Mortgages has a 97% approval rate!<br><\/li>\n\n\n\n<li><strong>Personalized Service:<\/strong>\u00a0America Mortgages offers tailored mortgage solutions designed to meet the unique needs of U.S. expats and foreign nationals.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">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&#8217;t miss out:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AM Rental Coverage +<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Property Type: 1-4 units (one property)<\/li>\n\n\n\n<li>Minimum Loan Amount: US$100,000<\/li>\n\n\n\n<li>Loan-to-Value: Up to 80% for purchase &amp; 70% for cash-out<\/li>\n\n\n\n<li>Underwriting: Based on the property&#8217;s rental income (personal income not required)<\/li>\n\n\n\n<li>Credit Requirements: No U.S. credit required<\/li>\n\n\n\n<li>Closing Time: 30-45 days<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re looking to&nbsp;<a href=\"https:\/\/www.americamortgages.com\/golden-opportunity-to-invest-in-the-u-s-housing-market\/\">invest in U.S. real estate<\/a>, whether you&#8217;re a U.S. expat or foreign national, America Mortgages is the expert partner you need to make homeownership more accessible and affordable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can schedule a time to&nbsp;<a href=\"https:\/\/calendly.com\/u-s-mortgages\" rel=\"nofollow noopener\" target=\"_blank\">chat with a loan officer 24\/7<\/a>, or if you&#8217;d prefer to speak with someone right away, call us at&nbsp;<a href=\"tel:+18455830830\">+1 (845) 583-0830<\/a>. We&#8217;re ready to assist!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recent research from Polygon, supported by Willow Canyon Advisors and United Wholesale Mortgage (UWM), found that working with an independent mortgage broker\u00a0saves borrowers an average of $10,662\u00a0over 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 [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":17299,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/template-single-post.php","format":"standard","meta":{"_acf_changed":false,"qubely_global_settings":"","qubely_interactions":"","inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[14,23,15,24,31,13],"tags":[],"am_country":[],"am_audience":[],"am_format":[],"class_list":["post-17298","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-foreign-nationals","category-purchase","category-refinance","category-residential","category-think-pieces","category-u-s-expats"],"acf":[],"qubely_featured_image_url":{"full":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06.jpg",2501,1309,false],"landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06-1200x750.jpg",1200,750,true],"portraits":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06-540x320.jpg",540,320,true],"thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06-150x150.jpg",150,150,true],"medium":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06-300x157.jpg",300,157,true],"medium_large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06-768x402.jpg",580,304,true],"large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06-1024x536.jpg",580,304,true],"1536x1536":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06-1536x804.jpg",1536,804,true],"2048x2048":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06-2048x1072.jpg",2048,1072,true],"qubely_landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06-1200x750.jpg",1200,750,true],"qubely_portrait":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06-540x320.jpg",540,320,true],"qubely_thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06-140x100.jpg",140,100,true],"post-thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06-1200x628.jpg",1200,628,true],"twentytwenty-fullscreen":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/AM-Article_13-sept-06-1980x1036.jpg",1980,1036,true]},"qubely_author":{"display_name":"Premela R.","author_link":"https:\/\/www.americamortgages.com\/author\/premela-r\/"},"qubely_comment":0,"qubely_category":"<a href=\"https:\/\/www.americamortgages.com\/foreign-nationals\/\" rel=\"category tag\">Foreign Nationals<\/a> <a href=\"https:\/\/www.americamortgages.com\/purchase\/\" rel=\"category tag\">Purchase<\/a> <a href=\"https:\/\/www.americamortgages.com\/refinance\/\" rel=\"category tag\">Refinance<\/a> <a href=\"https:\/\/www.americamortgages.com\/residential\/\" rel=\"category tag\">Residential<\/a> <a href=\"https:\/\/www.americamortgages.com\/think-pieces\/\" rel=\"category tag\">Think Pieces<\/a> <a href=\"https:\/\/www.americamortgages.com\/u-s-expats\/\" rel=\"category tag\">U.S. Expats<\/a>","qubely_excerpt":"Recent research from Polygon, supported by Willow Canyon Advisors and United Wholesale Mortgage (UWM), found that working with an independent mortgage broker\u00a0saves borrowers an average of $10,662\u00a0over 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&hellip;","_links":{"self":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/17298","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/comments?post=17298"}],"version-history":[{"count":9,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/17298\/revisions"}],"predecessor-version":[{"id":22601,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/17298\/revisions\/22601"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media\/17299"}],"wp:attachment":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media?parent=17298"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/categories?post=17298"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/tags?post=17298"},{"taxonomy":"am_country","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_country?post=17298"},{"taxonomy":"am_audience","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_audience?post=17298"},{"taxonomy":"am_format","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_format?post=17298"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}