{"id":21151,"date":"2025-07-31T05:32:58","date_gmt":"2025-07-31T05:32:58","guid":{"rendered":"https:\/\/www.americamortgages.com\/?p=21151"},"modified":"2026-01-06T05:45:09","modified_gmt":"2026-01-06T05:45:09","slug":"u-s-mortgage-from-the-philippines","status":"publish","type":"post","link":"https:\/\/www.americamortgages.com\/u-s-mortgage-from-the-philippines\/","title":{"rendered":"How Can You Obtain Mortgages in the USA from the Philippines in 2025?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Are You a Filipino Investor Looking to Buy Property in the U.S.?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;re not alone. U.S. real estate is one of the most sought-after global investment assets, and many <strong>Filipino investors are entering the market<\/strong> to diversify their wealth, earn <a title=\"passive rental income\" href=\"https:\/\/www.americamortgages.com\/best-tips-for-passive-income\/\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/best-tips-for-passive-income\/\">passive rental income<\/a>, and benefit from long-term appreciation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The good news? <strong>You don\u2019t need to be a U.S. resident, visa holder, or have U.S. credit<\/strong> to qualify for a mortgage. Specialized U.S. lenders offer mortgage options tailored for international buyers\u2014including those living in the Philippines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide outlines how you can obtain a <strong>U.S. mortgage from the Philippines<\/strong>, which loan types are most suitable for investors, and what documents you\u2019ll need to apply.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can Filipino Citizens Buy Property in the United States?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Yes.<\/strong> N<strong>o legal restrictions are<\/strong> preventing Filipino citizens from owning property in the United States. Whether you&#8217;re purchasing a rental home, vacation condo, or multifamily investment, you can do so <strong>as a non-resident<\/strong>, and you can finance your purchase through a <strong>foreign national mortgage<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These loans are based on <strong>global financials<\/strong>, not your U.S. credit or residency status.<\/p>\n\n\n\n<div class=\"buttons\" style=\"margin-top:20px;\">\r\n<a id =\"inline-article-btn\" class=\"button common-button\" href=\"\/contact\">Contact Us<\/a>\r\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">U.S. vs. Philippines: Mortgage System Comparison<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding the differences between mortgage processes in the U.S. and the Philippines will help set realistic expectations:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>United States (Foreign National)<\/strong><\/td><td><strong>Philippines<\/strong><\/td><\/tr><tr><td>Residency Required<\/td><td>No<\/td><td>Yes (for loans)<\/td><\/tr><tr><td>Credit Score Requirement<\/td><td>Not required<\/td><td>Required for domestic loans<\/td><\/tr><tr><td>Down Payment<\/td><td>25%<\/td><td>20\u201330%<\/td><\/tr><tr><td>Loan Currency<\/td><td>USD<\/td><td>PHP<\/td><\/tr><tr><td>Interest Type<\/td><td>Fixed or adjustable<\/td><td>Mostly variable<\/td><\/tr><tr><td>Loan Term<\/td><td>15\u201330 years (regardless of age)<\/td><td>Up to 20 years<\/td><\/tr><tr><td>Approval Based On<\/td><td>Global income or property cash flow<\/td><td>Local income and job stability<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Required Documents for Filipino Buyers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">To apply for a U.S. mortgage from the Philippines, you\u2019ll typically need the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valid Philippine passport<\/li>\n\n\n\n<li>Bank statements (local or international accounts)<\/li>\n\n\n\n<li>Proof of funds for the down payment and reserves<\/li>\n\n\n\n<li>Property details or executed purchase contract<\/li>\n\n\n\n<li>Rental income projections (for investment properties)<\/li>\n\n\n\n<li>U.S. credit score is <strong>not required<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re buying an <strong>income-generating property<\/strong>, you can apply through a <strong>DSCR loan<\/strong>, which qualifies you based on <strong><a title=\"projected rental income\" href=\"https:\/\/www.americamortgages.com\/u-s-real-estate-investing-made-easy-qualify-only-on-the-rental-income\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/u-s-real-estate-investing-made-easy-qualify-only-on-the-rental-income\/\">projected rental income<\/a><\/strong>\u2014no personal income or employment verification needed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Best Mortgage Options for Filipino Citizens<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">1. Foreign National Investment Loan<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">This loan is ideal for Filipino nationals who do not have U.S. income, credit, or residency status. It is based on your <strong>international financials<\/strong>, including assets and bank statements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best For<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-resident buyers purchasing U.S. investment property<\/li>\n\n\n\n<li>Filipino investors without ties to the U.S. banking system<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>25\u201330% down payment<\/li>\n\n\n\n<li>No U.S. credit or Social Security Number required<\/li>\n\n\n\n<li>Fixed or adjustable rates<\/li>\n\n\n\n<li>Terms up to 30 years<br><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">2. DSCR Loan (Debt Service Coverage Ratio)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">This loan is designed for investors and qualifies borrowers based on the <strong>cash flow of the property itself<\/strong>, not personal income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best For<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rental property buyers<\/li>\n\n\n\n<li>Investors seeking streamlined approvals<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No personal income or employment verification<\/li>\n\n\n\n<li>Approval based on rental income projections<\/li>\n\n\n\n<li>Suitable for single-family or <a href=\"https:\/\/www.americamortgages.com\/u-s-multifamily-real-estate-mortgage-loans-are-now-available-to-non-u-s-residents\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/u-s-multifamily-real-estate-mortgage-loans-are-now-available-to-non-u-s-residents\">multifamily properties<\/a><\/li>\n<\/ul>\n\n\n\n<div class=\"buttons\" style=\"margin-top:20px;\">\r\n<a id =\"inline-article-btn\" class=\"button common-button\" href=\"\/contact\">Contact Us<\/a>\r\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Why Work with a Specialized U.S. Lender?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Buying property overseas is a major financial move, and working with a lender who understands the complexities of <strong>cross-border financing<\/strong> is essential. That\u2019s where <strong>America Mortgages<\/strong> comes in.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With deep experience helping clients from the <strong>Philippines and across Southeast Asia<\/strong>, America Mortgages offers programs tailored to non-residents and supports buyers every step of the way\u2014from pre-approval to closing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Contact<\/strong>: <a href=\"mailto:hello@americamortgages.com\">hello@americamortgages.com<\/a><br><strong>Website<\/strong>:<a href=\"https:\/\/www.americamortgages.com\/\"> <\/a><a href=\"http:\/\/www.americamortgages.com\">www.americamortgages.com<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Speak to a U.S. Loan Expert 24 hours a day \/ 7 days a week: <\/strong><a href=\"tel:+18455830830\"><strong>+1 845-583-0830&nbsp;<\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Need help getting started? Use their <a href=\"https:\/\/calendly.com\/u-s-mortgages\" target=\"_blank\" rel=\"noopener\"><strong>24\/7 online booking tool<\/strong><\/a> to schedule a <strong>free, no-obligation consultation<\/strong> with a licensed U.S. mortgage advisor. <a href=\"https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/\">https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q1: Can Filipino citizens buy property in the U.S.?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>Yes, there are no legal restrictions preventing Filipino citizens from owning property in the United States. You can purchase a rental home, vacation condo, or multifamily investment as a non-resident and finance it through a foreign national mortgage. These loans are based on global financials, not your U.S. credit or residency status<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q2: What documents are required to apply for a U.S. mortgage from the Philippines?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>Typically, you&#8217;ll need:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Valid Philippine passport<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank statements (local or international accounts)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Proof of funds for the down payment and reserves<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Property details or executed purchase contract<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rental income projections (for investment properties)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A U.S. credit score is not required.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q3: What mortgage options are best for Filipino citizens?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>The Foreign National Investment Loan is ideal for Filipino nationals who do not have U.S. income, credit, or residency status. It is based on your international financials, including assets and bank statements. This loan is suitable for non-resident buyers purchasing U.S. investment property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q4: Do I need a U.S. credit score to qualify?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A:<\/strong> No, a U.S. credit score is not required when applying for a mortgage through specialized lenders like America Mortgages. They assess your global financial profile instead.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q5: How can I apply for a U.S. mortgage from the Philippines?<\/strong><strong>A: <\/strong>You can apply by contacting America Mortgages, which specializes in U.S. mortgages for foreign nationals and U.S. expats living overseas. Their loan officers will guide you through the process, including selecting the appropriate loan program, completing the application, and obtaining approval<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"Can Filipino citizens buy property in the U.S.?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes, there are no legal restrictions preventing Filipino citizens from owning property in the United States. You can purchase a rental home, vacation condo, or multifamily investment as a non-resident and finance it through a foreign national mortgage. 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Their loan officers will guide you through the process, including selecting the appropriate loan program, completing the application, and obtaining approval\"\n    }\n  }]\n}\n<\/script>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BlogPosting\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.americamortgages.com\/how-can-you-obtain-mortgages-in-the-usa-from-the-philippines-in-2025\/\"\n  },\n  \"headline\": \"How Can You Obtain Mortgages in the USA from the Philippines in 2025?\",\n  \"description\": \"The good news? You don\u2019t need to be a U.S. resident, visa holder, or have U.S. credit to qualify for a mortgage. Specialized U.S. lenders offer mortgage options tailored for international buyers\u2014including those living in the Philippines.\",\n  \"image\": \"https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines.jpg\",  \n  \"author\": {\n    \"@type\": \"Organization\",\n    \"name\": \"America Mortgages\",\n    \"url\": \"https:\/\/www.americamortgages.com\/\"\n  },  \n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"America Mortgages\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.americamortgages.com\/wp-admin\/images\/gmg-logo.svg\"\n    }\n  },\n  \"datePublished\": \"2025-07-31\"\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Are You a Filipino Investor Looking to Buy Property in the U.S.? You&#8217;re not alone. U.S. real estate is one of the most sought-after global investment assets, and many Filipino investors are entering the market to diversify their wealth, earn passive rental income, and benefit from long-term appreciation. The good news? You don\u2019t need to [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":21152,"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":[14,31,13],"tags":[],"am_country":[],"am_audience":[],"am_format":[],"class_list":["post-21151","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-foreign-nationals","category-think-pieces","category-u-s-expats"],"acf":[],"qubely_featured_image_url":{"full":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines.jpg",1200,628,false],"landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines.jpg",1200,628,false],"portraits":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines-540x320.jpg",540,320,true],"thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines-150x150.jpg",150,150,true],"medium":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines-300x157.jpg",300,157,true],"medium_large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines-768x402.jpg",580,304,true],"large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines-1024x536.jpg",580,304,true],"1536x1536":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines.jpg",1200,628,false],"2048x2048":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines.jpg",1200,628,false],"qubely_landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines.jpg",1200,628,false],"qubely_portrait":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines-540x320.jpg",540,320,true],"qubely_thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines-140x100.jpg",140,100,true],"post-thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines.jpg",1200,628,false],"twentytwenty-fullscreen":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Philippines.jpg",1200,628,false]},"qubely_author":{"display_name":"America Mortgages","author_link":"https:\/\/www.americamortgages.com\/author\/america-mortgages\/"},"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\/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":"Are You a Filipino Investor Looking to Buy Property in the U.S.? You&#8217;re not alone. U.S. real estate is one of the most sought-after global investment assets, and many Filipino investors are entering the market to diversify their wealth, earn passive rental income, and benefit from long-term appreciation. The good news? You don\u2019t need to&hellip;","_links":{"self":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21151","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\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/comments?post=21151"}],"version-history":[{"count":9,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21151\/revisions"}],"predecessor-version":[{"id":23325,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21151\/revisions\/23325"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media\/21152"}],"wp:attachment":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media?parent=21151"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/categories?post=21151"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/tags?post=21151"},{"taxonomy":"am_country","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_country?post=21151"},{"taxonomy":"am_audience","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_audience?post=21151"},{"taxonomy":"am_format","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_format?post=21151"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}