{"id":21243,"date":"2025-08-01T01:42:20","date_gmt":"2025-08-01T01:42:20","guid":{"rendered":"https:\/\/www.americamortgages.com\/?p=21243"},"modified":"2026-08-08T03:41:42","modified_gmt":"2026-08-08T03:41:42","slug":"u-s-mortgage-from-latin-america","status":"publish","type":"post","link":"https:\/\/www.americamortgages.com\/u-s-mortgage-from-latin-america\/","title":{"rendered":"How to Get a U.S. Mortgage from Latin America: A Complete Guide for Foreign Buyers"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">U.S. Property Ownership Is Within Reach<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Buying real estate in the United States is <a title=\"not just for U.S. citizens or residents\" href=\"https:\/\/www.americamortgages.com\/why-foreign-investors-are-pouring-billions-into-u-s-real-estate-and-why-you-should-too\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/why-foreign-investors-are-pouring-billions-into-u-s-real-estate-and-why-you-should-too\">not just for U.S. citizens or residents<\/a>. Today, investors from Latin America, including but not limited to Mexico, Brazil, Argentina, Colombia, and Chile, can qualify for U.S. mortgages without needing a green card, Social Security Number, or U.S. credit history.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether your goal is to purchase an investment property in Miami, a luxury investment in New York City or a vacation home in Orlando, U.S. mortgage programs designed by the industry leader America Mortgages, for foreign nationals make it possible to own U.S. real estate while living <a title=\"abroad\" href=\"https:\/\/www.americamortgages.com\/qa-managing-u-s-property-from-abroad\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/qa-managing-u-s-property-from-abroad\">abroad<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why Latin American Investors Are Buying U.S. Real Estate<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Stability and Legal Protection<\/strong><strong><br><\/strong>The U.S. offers stronger property rights and economic stability compared to many Latin American countries.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>USD-Denominated Wealth<\/strong><strong><br><\/strong>Investing in U.S. real estate allows you to preserve capital in U.S. dollars, which is particularly important during periods of currency depreciation in Latin America.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rental Income Potential<br><\/strong>Many <a title=\"U.S. markets provide high rental yields\" href=\"https:\/\/www.americamortgages.com\/best-u-s-cities-for-foreign-mortgage-borrowers-market-comparison\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/best-u-s-cities-for-foreign-mortgage-borrowers-market-comparison\">U.S. markets provide high rental yields<\/a>, especially in cities like Orlando, Tampa, Houston, and Dallas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Open to Non-Residents<\/strong><strong><br><\/strong>There are no residency or citizenship requirements to purchase or finance property in the U.S.<\/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\">Step-by-Step: How to Get a U.S. Mortgage from Latin America<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">1. Speak to an experienced and knowledgeable U.S. loan specialist&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Traditional U.S. banks often require U.S. tax returns, W-2 income, and a domestic credit history. These are not practical for most international buyers. Instead, work with a lender that not only offers foreign national mortgage programs, but understand the details and intricacies of foreign clients. America Mortgages accepts:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Foreign income in local or USD accounts<\/li>\n\n\n\n<li>International bank statements<\/li>\n\n\n\n<li>No U.S. credit report<\/li>\n\n\n\n<li>Loan-to-value ratios up to 75 or 80%<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">America Mortgages also offers multilingual support and understands local financial documentation from Latin America.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2. Prepare the Right Documents<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">To qualify for a mortgage as a Latin American buyer, you will need:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Required Document<\/strong><\/td><td><strong>Accepted Forms<\/strong><\/td><\/tr><tr><td>Identification<\/td><td>Valid passport and second form of ID (license or national ID)<\/td><\/tr><tr><td>Proof of income<\/td><td>Holiday home: Bank statements for the last 3 to 6 months, pay slips, or a certified letter from an accountantInvestment property: No personal income required. Only proof of down payment and closings cost with 2 months of bank statements<\/td><\/tr><tr><td>Proof of funds for down payment<\/td><td>International or U.S. bank statements<\/td><\/tr><tr><td>Property details (if selected)<\/td><td>Sales contract, listing information, or brochure (if applicable)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Some lenders may request a credit report from your home country, but this is not required with America Mortgages.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3. Select the Type of Property You Want to Buy<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Foreign national mortgages can be used to finance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Single-family homes and condominiums<\/li>\n\n\n\n<li>Vacation homes or second residences<\/li>\n\n\n\n<li>Rental investment properties<\/li>\n\n\n\n<li>Small multi-family units (up to four units)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Popular destinations for Latin American buyers include Florida (Miami, Orlando, Tampa), Texas (Houston, Dallas), and Arizona (Phoenix).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">4. Understand the Mortgage Terms<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Foreign national mortgages are designed specifically for international buyers. You can expect:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Loan Feature<\/strong><\/td><td><strong>Typical Terms<\/strong><\/td><\/tr><tr><td>Loan-to-Value (LTV)<\/td><td>65 to 80%, depending on credit profile and country<\/td><\/tr><tr><td>Down Payment<\/td><td>Minimum of 20%<\/td><\/tr><tr><td>Interest Rate<\/td><td>Fixed or adjustable<\/td><\/tr><tr><td>Loan Term<\/td><td>30 years, with interest-only options available<\/td><\/tr><tr><td>Currency<\/td><td>All payments must be made in U.S. dollars<\/td><\/tr><tr><td>Prepayment Penalty<\/td><td>May apply in the first 1 to 5 years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">5. Close the Transaction from Abroad<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Many Latin American buyers complete the entire purchase process without traveling to the U.S. Title companies and lenders often support remote closings through. This is where the expertise and knowledge of the lender comes into play. Knowing, understanding and execution of the process is key to a successful closing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Digital signatures<\/li>\n\n\n\n<li>Remote online notarization<\/li>\n\n\n\n<li>Power of attorney arrangements<\/li>\n\n\n\n<li>Secure international wire transfers<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This allows you to invest in U.S. property from your home country with minimal disruption.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Common Mistakes to Avoid<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applying with a U.S. bank that does not understand foreign national loans<\/li>\n\n\n\n<li>Transferring down payment funds too late in the process (no funds are ever transferred to America Mortgages. All funds are held in escrow or attorney depending on the state)<\/li>\n\n\n\n<li>Failing to account for closing costs, which typically range from 3 to 5% of the loan amount.<\/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\">Building a U.S. Property Portfolio from Latin America<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike many lenders offering <a title=\"U.S. mortgage loans to non US residents\" href=\"https:\/\/www.americamortgages.com\/us-mortgage-for-non-residents\/\">U.S. mortgage loans to non US residents<\/a>, there is no limitation on the amount of US mortgage loans on borrower can have with America Mortgages. This allows you to purchase, refinance cash-out the equity after 6 months and then use that cash along with another mortgage to buy again. This process is common in investor circles. Many investors start with one property and expand into multi-property portfolios over time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A consistent financing strategy, proper documentation, and working with the right partners will allow you to grow your U.S. real estate holdings while living anywhere in Latin America.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Work with a Specialized Lender for Latin American Buyers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>America Mortgages<\/strong> specializes in foreign national financing for non-U.S. residents and has extensive experience working with Latin American investors. Their team provides:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan approvals without U.S. credit or residency<\/li>\n\n\n\n<li>Support in Spanish and Portuguese<\/li>\n\n\n\n<li>Guidance through every step of the process<\/li>\n\n\n\n<li>Remote closing capabilities<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Want to learn more?<\/strong><br><br><strong>Contact<\/strong>: <a href=\"mailto:hello@americamortgages.com\">hello@americamortgages.com<\/a><br><strong>Website<\/strong>:<a href=\"https:\/\/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<h3 class=\"wp-block-heading\">Summary Table: Getting a U.S. Mortgage from Latin America<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Step<\/strong><\/td><td><strong>Key Details<\/strong><\/td><\/tr><tr><td>Choose the Right Lender<\/td><td>Select a foreign national mortgage provider that accepts Latin American documentation<\/td><\/tr><tr><td>Gather Documents<\/td><td>Passport, income proof, bank statements, and property details<\/td><\/tr><tr><td>Property Selection<\/td><td>Focus on high-demand markets like Florida, Texas, and Arizona<\/td><\/tr><tr><td>Loan Terms<\/td><td>20% down, 30-year term, fixed or ARM, paid in USD<\/td><\/tr><tr><td>Closing Process<\/td><td>Fully remote options available, including notarization and wire transfers<\/td><\/tr><tr><td>Avoid Mistakes<\/td><td>Plan ahead for taxes, currency conversion, and documentation requirements<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Frequently Asked Questions<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1786160329649\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Q1: Can Latin American citizens get a U.S. mortgage?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p><strong>A: <\/strong>Yes, Latin American nationals can obtain U.S. mortgages without needing U.S. residency, a Social Security Number, or a U.S. credit history.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1786160338874\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Q2: What documents are required for a U.S. mortgage application?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p><strong>A: <\/strong>Applicants need a valid passport, proof of income (like bank statements or pay slips), and evidence of funds for the down payment.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1786160346472\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Q3: Is a U.S. credit history necessary for approval?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p><strong>A: <\/strong>No, U.S. credit history is not required. Lenders accept international financial documents and bank statements.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1786160358031\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Q4: What is the typical down payment for foreign buyers?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p><strong>A: <\/strong>Foreign buyers usually need to provide a down payment of 25-30% of the property&#8217;s value.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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 Latin American citizens get a U.S. mortgage?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes, Latin American nationals can obtain U.S. mortgages without needing U.S. residency, a Social Security Number, or a U.S. credit history.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"What documents are required for a U.S. mortgage application?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Applicants need a valid passport, proof of income (like bank statements or pay slips), and evidence of funds for the down payment.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Is a U.S. credit history necessary for approval?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"No, U.S. credit history is not required. 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Get a U.S. mortgage without SSN or residency. Step-by-step guidance for seamless property purchase in America.\",\n  \"image\": \"https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1.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\": \"2025-08-01\"\n}\n<\/script>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">?? C\u00f3mo Obtener una Hipoteca en EE.UU. desde Am\u00e9rica Latina: Gu\u00eda Paso a Paso para Compradores Extranjeros<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Ser Propietario en EE.UU. Est\u00e1 a Tu Alcance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Comprar bienes ra\u00edces en Estados Unidos no es solo para ciudadanos o residentes. Hoy en d\u00eda, inversionistas de Am\u00e9rica Latina \u2014incluyendo M\u00e9xico, Brasil, Argentina, Colombia y Chile\u2014 pueden calificar para hipotecas en EE.UU. sin necesidad de tener una green card, n\u00famero de Seguro Social o historial crediticio en EE.UU.<br>Ya sea que desees comprar una propiedad de inversi\u00f3n en Miami, una inversi\u00f3n de lujo en Nueva York o una casa vacacional en Orlando, los programas hipotecarios de <strong>America Mortgages<\/strong> est\u00e1n dise\u00f1ados para hacer posible la compra de propiedades en EE.UU. viviendo en el extranjero.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Por Qu\u00e9 los Inversionistas Latinoamericanos Compran Bienes Ra\u00edces en EE.UU.<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Estabilidad y Protecci\u00f3n Legal<\/strong>: EE.UU. ofrece mayor estabilidad econ\u00f3mica y derechos de propiedad m\u00e1s fuertes.<\/li>\n\n\n\n<li><strong>Riqueza en D\u00f3lares<\/strong>: Invertir en bienes ra\u00edces en EE.UU. te permite preservar tu capital en d\u00f3lares, especialmente \u00fatil ante la devaluaci\u00f3n de monedas locales.<\/li>\n\n\n\n<li><strong>Potencial de Renta<\/strong>: Ciudades como Orlando, Tampa, Houston y Dallas ofrecen altos rendimientos por alquiler.<\/li>\n\n\n\n<li><strong>Abierto a No Residentes<\/strong>: No hay requisitos de residencia o ciudadan\u00eda para comprar o financiar propiedades.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Paso a Paso: C\u00f3mo Obtener una Hipoteca en EE.UU. desde Am\u00e9rica Latina<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">1. Habla con un especialista en pr\u00e9stamos hipotecarios para extranjeros<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Los bancos tradicionales de EE.UU. exigen historial crediticio, W-2 y declaraciones fiscales. America Mortgages acepta:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ingresos extranjeros en moneda local o USD<\/li>\n\n\n\n<li>Estados de cuenta internacionales<\/li>\n\n\n\n<li>Sin historial crediticio en EE.UU.<\/li>\n\n\n\n<li>Financiamiento hasta 75\u201380% del valor<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">2. Prepara los Documentos Necesarios<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Documento<\/strong><\/td><td><strong>Formato Aceptado<\/strong><\/td><\/tr><tr><td>Identificaci\u00f3n<\/td><td>Pasaporte + ID secundaria (licencia o DNI)<\/td><\/tr><tr><td>Prueba de ingresos<\/td><td>Vivienda vacacional: estados de cuenta de 3\u20136 meses, recibos de salario o carta del contadorPropiedad de inversi\u00f3n: solo prueba de fondos para inicial y cierre<\/td><\/tr><tr><td>Fondos para el pago inicial<\/td><td>Estados de cuenta bancarios locales o de EE.UU.<\/td><\/tr><tr><td>Detalles de la propiedad (si aplica)<\/td><td>Contrato de venta, listado o folleto<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">3. Selecciona el Tipo de Propiedad<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Puedes financiar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Casas unifamiliares o condominios<\/li>\n\n\n\n<li>Casas vacacionales o segundas residencias<\/li>\n\n\n\n<li>Propiedades de renta<\/li>\n\n\n\n<li>Multifamiliares peque\u00f1as (hasta 4 unidades)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Destinos populares: Florida, Texas, Arizona.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">4. Entiende los T\u00e9rminos de la Hipoteca<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Caracter\u00edstica<\/strong><\/td><td><strong>T\u00e9rmino T\u00edpico<\/strong><\/td><\/tr><tr><td>LTV (relaci\u00f3n pr\u00e9stamo\/valor)<\/td><td>65\u201380%<\/td><\/tr><tr><td>Pago inicial<\/td><td>M\u00ednimo 20%<\/td><\/tr><tr><td>Tasa de inter\u00e9s<\/td><td>Fija o ajustable<\/td><\/tr><tr><td>Plazo del pr\u00e9stamo<\/td><td>Hasta 30 a\u00f1os (opci\u00f3n solo intereses)<\/td><\/tr><tr><td>Moneda<\/td><td>USD<\/td><\/tr><tr><td>Penalizaci\u00f3n por prepago<\/td><td>Puede aplicar de 1\u20135 a\u00f1os<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. Cierra la Transacci\u00f3n Desde el Extranjero<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El proceso puede completarse 100% a distancia mediante:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Firmas digitales<\/li>\n\n\n\n<li>Notarizaci\u00f3n remota en l\u00ednea<\/li>\n\n\n\n<li>Poder legal<\/li>\n\n\n\n<li>Transferencias bancarias internacionales seguras<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Errores Comunes a Evitar<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aplicar con bancos que no comprenden pr\u00e9stamos para extranjeros<\/li>\n\n\n\n<li>Transferir fondos demasiado tarde<\/li>\n\n\n\n<li>No calcular costos de cierre (3\u20135% del pr\u00e9stamo)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Construyendo un Portafolio Inmobiliario desde Am\u00e9rica Latina<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A diferencia de otros prestamistas, <strong>America Mortgages<\/strong> no limita el n\u00famero de hipotecas por persona. Puedes refinanciar, liberar capital y volver a comprar. Esta estrategia es com\u00fan entre inversionistas experimentados.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Trabaja con un Prestamista Especializado<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">America Mortgages ofrece:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aprobaciones sin historial o residencia en EE.UU.<\/li>\n\n\n\n<li>Soporte en espa\u00f1ol y portugu\u00e9s<\/li>\n\n\n\n<li>Acompa\u00f1amiento total en cada paso<\/li>\n\n\n\n<li>Cierres remotos seguros<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfQuieres saber m\u00e1s?<\/strong><strong><br><\/strong>? Contacto: hello@americamortgages.com<br>? Web: <a href=\"http:\/\/www.americamortgages.com\/\">www.americamortgages.com<br><\/a>? L\u00ednea 24\/7: +1 845-583-0830<br>? Agenda online: <a href=\"https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/\">Consulta gratuita<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Resumen: C\u00f3mo Obtener una Hipoteca desde Am\u00e9rica Latina<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Paso<\/strong><\/td><td><strong>Detalles Clave<\/strong><\/td><\/tr><tr><td>Escoge el prestamista adecuado<\/td><td>Que acepte documentos latinoamericanos<\/td><\/tr><tr><td>Re\u00fane los documentos<\/td><td>Pasaporte, ingresos, fondos y propiedad<\/td><\/tr><tr><td>Elige el inmueble<\/td><td>Mercados de alta demanda como FL, TX y AZ<\/td><\/tr><tr><td>Condiciones<\/td><td>20% inicial, plazo 30 a\u00f1os, en USD<\/td><\/tr><tr><td>Cierre remoto<\/td><td>Legal, seguro y sin viajar<\/td><\/tr><tr><td>Errores a evitar<\/td><td>Planifica impuestos, fondos y documentos<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">?? Como Obter um Financiamento Imobili\u00e1rio nos EUA a Partir da Am\u00e9rica Latina: Guia Passo a Passo para Compradores Estrangeiros<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Ser Propriet\u00e1rio nos EUA Est\u00e1 ao Seu Alcance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Comprar im\u00f3veis nos Estados Unidos n\u00e3o \u00e9 apenas para cidad\u00e3os ou residentes americanos. Hoje, investidores da Am\u00e9rica Latina \u2014 incluindo M\u00e9xico, Brasil, Argentina, Col\u00f4mbia e Chile \u2014 podem obter financiamento nos EUA sem green card, n\u00famero do Seguro Social ou hist\u00f3rico de cr\u00e9dito nos EUA.<br>Seja para comprar um im\u00f3vel de investimento em Miami, uma propriedade de luxo em Nova York ou uma casa de f\u00e9rias em Orlando, os programas da <strong>America Mortgages<\/strong> s\u00e3o feitos para estrangeiros e tornam a aquisi\u00e7\u00e3o de im\u00f3veis nos EUA poss\u00edvel mesmo vivendo no exterior.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Por Que os Investidores Latinos Est\u00e3o Comprando Im\u00f3veis nos EUA<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Estabilidade e Seguran\u00e7a Jur\u00eddica<\/strong>: O sistema legal dos EUA oferece prote\u00e7\u00e3o robusta e estabilidade econ\u00f4mica.<\/li>\n\n\n\n<li><strong>Riqueza em D\u00f3lares<\/strong>: Proteger capital em USD \u00e9 crucial durante per\u00edodos de desvaloriza\u00e7\u00e3o de moedas locais.<\/li>\n\n\n\n<li><strong>Renda de Aluguel<\/strong>: Cidades como Orlando, Tampa, Houston e Dallas oferecem altos retornos.<\/li>\n\n\n\n<li><strong>Aberto a N\u00e3o Residentes<\/strong>: N\u00e3o h\u00e1 exig\u00eancia de resid\u00eancia ou cidadania para comprar ou financiar im\u00f3veis.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Passo a Passo: Como Obter um Financiamento Imobili\u00e1rio nos EUA<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">1. Fale com um Especialista em Empr\u00e9stimos para Estrangeiros<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Bancos tradicionais exigem impostos, W-2 e cr\u00e9dito americano. America Mortgages aceita:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Renda estrangeira em moeda local ou USD<\/li>\n\n\n\n<li>Extratos banc\u00e1rios internacionais<\/li>\n\n\n\n<li>Sem hist\u00f3rico de cr\u00e9dito americano<\/li>\n\n\n\n<li>At\u00e9 75\u201380% de financiamento (LTV)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">2. Re\u00fana os Documentos Necess\u00e1rios<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Documento<\/strong><\/td><td><strong>Formato Aceito<\/strong><\/td><\/tr><tr><td>Identifica\u00e7\u00e3o<\/td><td>Passaporte + outro documento (CNH ou RG)<\/td><\/tr><tr><td>Comprova\u00e7\u00e3o de renda<\/td><td>Casa de f\u00e9rias: extratos de 3 a 6 meses, contracheques ou carta de contadorInvestimento: s\u00f3 prova de entrada e custos com 2 meses de extratos<\/td><\/tr><tr><td>Fundos para entrada<\/td><td>Extratos banc\u00e1rios locais ou dos EUA<\/td><\/tr><tr><td>Detalhes da propriedade (se aplic\u00e1vel)<\/td><td>Contrato de compra, an\u00fancio ou brochura<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">3. Escolha o Tipo de Im\u00f3vel<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Pode financiar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Casas e apartamentos<\/li>\n\n\n\n<li>Resid\u00eancias de f\u00e9rias ou segundas resid\u00eancias<\/li>\n\n\n\n<li>Im\u00f3veis de aluguel<\/li>\n\n\n\n<li>Im\u00f3veis multifamiliares pequenos (at\u00e9 4 unidades)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Locais populares: Fl\u00f3rida, Texas, Arizona.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">4. Compreenda os Termos do Financiamento<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Termo<\/strong><\/td><td><strong>Condi\u00e7\u00f5es T\u00edpicas<\/strong><\/td><\/tr><tr><td>LTV<\/td><td>65\u201380%<\/td><\/tr><tr><td>Entrada<\/td><td>M\u00ednimo de 20%<\/td><\/tr><tr><td>Juros<\/td><td>Fixo ou vari\u00e1vel<\/td><\/tr><tr><td>Prazo<\/td><td>At\u00e9 30 anos, op\u00e7\u00e3o apenas juros dispon\u00edvel<\/td><\/tr><tr><td>Moeda<\/td><td>Todos os pagamentos em USD<\/td><\/tr><tr><td>Multa por antecipa\u00e7\u00e3o<\/td><td>Pode aplicar entre 1 a 5 anos<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">5. Finalize a Compra Sem Sair do Pa\u00eds<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9 poss\u00edvel concluir tudo remotamente com:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Assinaturas digitais<\/li>\n\n\n\n<li>Reconhecimento de firma online<\/li>\n\n\n\n<li>Procura\u00e7\u00e3o<\/li>\n\n\n\n<li>Transfer\u00eancias internacionais seguras<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Erros Comuns<\/strong> <strong>a Evitar<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tentar com bancos que n\u00e3o lidam com estrangeiros<\/li>\n\n\n\n<li>Transferir fundos muito tarde (a America Mortgages n\u00e3o recebe fundos diretamente)<\/li>\n\n\n\n<li>Esquecer os custos de fechamento (3 a 5% do valor do empr\u00e9stimo)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Construindo um Portf\u00f3lio Imobili\u00e1rio dos EUA desde a Am\u00e9rica Latina<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Com a <strong>America Mortgages<\/strong>, n\u00e3o h\u00e1 limite de quantos financiamentos voc\u00ea pode ter. \u00c9 poss\u00edvel refinanciar ap\u00f3s 6 meses, liberar capital e comprar novamente. Estrat\u00e9gia comum entre investidores.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Trabalhe com um Financiador Especializado<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">America Mortgages oferece:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aprova\u00e7\u00e3o sem cr\u00e9dito ou resid\u00eancia nos EUA<\/li>\n\n\n\n<li>Suporte em portugu\u00eas e espanhol<\/li>\n\n\n\n<li>Acompanhamento completo<\/li>\n\n\n\n<li>Fechamentos remotos seguros<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quer saber mais?<br><\/strong>? Contato: hello@americamortgages.com<br>? Site: <a href=\"http:\/\/www.americamortgages.com\/\">www.americamortgages.com<br><\/a>? Atendimento 24h: <a href=\"tel:+18455830830\" data-type=\"tel\" data-id=\"tel:+18455830830\">+1 845-583-0830<\/a><br>? Agende agora: <a href=\"https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/\">Consulta gratuita<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Resumo: Financiamento nos EUA para Latinos<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Etapa<\/strong><\/td><td><strong>Detalhes<\/strong><\/td><\/tr><tr><td>Escolha o financiador certo<\/td><td>Aceita documentos latino-americanos<\/td><\/tr><tr><td>Re\u00fana os documentos<\/td><td>Passaporte, renda, fundos e im\u00f3vel<\/td><\/tr><tr><td>Selecione o im\u00f3vel<\/td><td>Mercados em alta: FL, TX e AZ<\/td><\/tr><tr><td>Condi\u00e7\u00f5es<\/td><td>20% de entrada, prazo de 30 anos, pagamento em USD<\/td><\/tr><tr><td>Fechamento remoto<\/td><td>Totalmente online e legal<\/td><\/tr><tr><td>Evite erros<\/td><td>Planeje impostos, c\u00e2mbio e documentos<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>U.S. Property Ownership Is Within Reach Buying real estate in the United States is not just for U.S. citizens or residents. Today, investors from Latin America, including but not limited to Mexico, Brazil, Argentina, Colombia, and Chile, can qualify for U.S. mortgages without needing a green card, Social Security Number, or U.S. credit history. Whether [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":21312,"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":[31,14,13],"tags":[],"am_country":[],"am_audience":[],"am_format":[],"class_list":["post-21243","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-think-pieces","category-foreign-nationals","category-u-s-expats"],"acf":[],"qubely_featured_image_url":{"full":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1.jpg",1200,628,false],"landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1.jpg",1200,628,false],"portraits":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1-540x320.jpg",540,320,true],"thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1-150x150.jpg",150,150,true],"medium":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1-300x157.jpg",300,157,true],"medium_large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1-768x402.jpg",580,304,true],"large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1-1024x536.jpg",580,304,true],"1536x1536":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1.jpg",1200,628,false],"2048x2048":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1.jpg",1200,628,false],"qubely_landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1.jpg",1200,628,false],"qubely_portrait":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1-540x320.jpg",540,320,true],"qubely_thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1-140x100.jpg",140,100,true],"post-thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1.jpg",1200,628,false],"twentytwenty-fullscreen":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-57-1.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\/think-pieces\/\" rel=\"category tag\">Think Pieces<\/a> <a href=\"https:\/\/www.americamortgages.com\/foreign-nationals\/\" rel=\"category tag\">Foreign Nationals<\/a> <a href=\"https:\/\/www.americamortgages.com\/u-s-expats\/\" rel=\"category tag\">U.S. Expats<\/a>","qubely_excerpt":"U.S. Property Ownership Is Within Reach Buying real estate in the United States is not just for U.S. citizens or residents. Today, investors from Latin America, including but not limited to Mexico, Brazil, Argentina, Colombia, and Chile, can qualify for U.S. mortgages without needing a green card, Social Security Number, or U.S. credit history. Whether&hellip;","_links":{"self":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21243","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=21243"}],"version-history":[{"count":16,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21243\/revisions"}],"predecessor-version":[{"id":25328,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21243\/revisions\/25328"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media\/21312"}],"wp:attachment":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media?parent=21243"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/categories?post=21243"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/tags?post=21243"},{"taxonomy":"am_country","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_country?post=21243"},{"taxonomy":"am_audience","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_audience?post=21243"},{"taxonomy":"am_format","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_format?post=21243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}