{"id":21279,"date":"2025-08-03T14:03:31","date_gmt":"2025-08-03T14:03:31","guid":{"rendered":"https:\/\/www.americamortgages.com\/?p=21279"},"modified":"2025-12-03T06:49:10","modified_gmt":"2025-12-03T06:49:10","slug":"mortgages-for-temporary-u-s-assignments-for-intra-company-transfers","status":"publish","type":"post","link":"https:\/\/www.americamortgages.com\/mortgages-for-temporary-u-s-assignments-for-intra-company-transfers\/","title":{"rendered":"Mortgages for Temporary U.S. Assignments: For Intra-Company Transfers"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Relocating to the U.S. for Work? You Can Still Own a Home<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Being transferred to the United States through your employer\u2014whether on an <strong>L1, H1B, O1, or E2 visa<\/strong>\u2014often brings a whirlwind of logistics, decisions, and financial considerations. One of the biggest: <a 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\">where to live<\/a>. Many relocating professionals assume that <strong>renting is the only option<\/strong> during a temporary assignment. But that\u2019s no longer the case.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In fact, <strong>non-U.S. citizens on temporary work assignments can qualify for a U.S. mortgage<\/strong> and buy a home to live in for the duration of their assignment. This approach offers stability, equity growth, and in many cases, financial savings compared to long-term renting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s what you need to know.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who Qualifies for a U.S. Mortgage on Assignment?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A <strong>foreign national<\/strong> working in the U.S. on a valid temporary visa (L1, H1B, E2, O1, etc.)<br><\/li>\n\n\n\n<li>Employed by a <strong>multinational company<\/strong> with operations in the U.S.<br><\/li>\n\n\n\n<li>Planning to stay in the country for at least <strong>2 to 5 years<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>Earning income in USD or can verify your global salary<br><\/li>\n\n\n\n<li>Interested in <strong>personal-use housing<\/strong>, not investment property<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Then you likely qualify for a <strong>specialized mortgage program<\/strong> that caters to expatriates and transferred employees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why Buy Instead of Rent During a Temporary Assignment?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Stability<\/strong>: Avoid annual rent hikes and insecure lease renewals<br><\/li>\n\n\n\n<li><strong>Equity Growth<\/strong>: Build financial value instead of spending on rent<br><\/li>\n\n\n\n<li><strong>Tax Efficiency<\/strong>: Potential deductions on mortgage interest and property taxes<br><\/li>\n\n\n\n<li><strong>Comfort and Control<\/strong>: Customize your living space without landlord restrictions<br><\/li>\n\n\n\n<li><strong>Long-Term Value<\/strong>: Keep the property as a rental or second home after your assignment ends<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>In high-cost cities like New York, San Francisco, or Seattle, owning may be more affordable over 3\u20135 years than renting comparable homes.<\/em><\/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<p class=\"wp-block-paragraph\"><strong>What Mortgage Options Are Available?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Temporary Visa Home Loans<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many lenders now offer mortgage programs specifically designed for foreign nationals on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>L1 and H1B visas<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>E1\/E2 treaty visas<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>O1\/O2 specialty visas<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>Other long-stay employment-based visa types<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These loans generally offer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>20 to 30% down payment<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>Flexible documentation requirements<br><\/li>\n\n\n\n<li>Acceptance of both <strong>U.S. and international income<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>Loan terms up to 30 years<br><\/li>\n\n\n\n<li>Eligibility based on visa duration and employer support<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Foreign National Mortgages<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re not drawing a U.S. salary but still relocating for work, you may qualify for a <strong>foreign national mortgage<\/strong>, which uses:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proof of foreign income (bank statements, employer letters, contracts)<br><\/li>\n\n\n\n<li>No U.S. credit score requirement<br><\/li>\n\n\n\n<li>Down payments starting at <strong>25%<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>No need for U.S. tax returns<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This option is common for executives or senior managers who continue to be paid in their home country during an international assignment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Required Documents<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although documentation requirements vary by lender, you\u2019ll typically need:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valid <strong>passport and visa documents<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>Employment contract or <strong>assignment letter from your company<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>Bank statements showing assets for <a href=\"https:\/\/www.americamortgages.com\/down-payment-help-for-first-time-expats-buying-u-s-homes\/\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/down-payment-help-for-first-time-expats-buying-u-s-homes\">down payment<\/a> and reserves<br><\/li>\n\n\n\n<li>Recent pay stubs or foreign salary verification<br><\/li>\n\n\n\n<li>U.S. credit score (if applicable), or <strong>foreign credit reference<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>U.S. address or intended property location<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Many lenders accept documents in foreign currencies and languages, provided they are translated and verified.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Locations Popular With Relocating Professionals<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Industry Presence<\/strong><\/td><\/tr><tr><td>New York, NY<\/td><td>Finance, law, consulting, tech<\/td><\/tr><tr><td>San Francisco, CA<\/td><td>Technology, venture capital, life sciences<\/td><\/tr><tr><td>Austin, TX<\/td><td>Startups, tech, semiconductors<\/td><\/tr><tr><td>Seattle, WA<\/td><td>E-commerce, cloud computing, aviation<\/td><\/tr><tr><td>Miami, FL<\/td><td>Latin American HQs, finance, global trade<\/td><\/tr><tr><td>Boston, MA<\/td><td>Education, pharma, healthcare<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><a 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\">These cities<\/a> offer strong job markets, global corporate offices, and vibrant communities for expat families.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Can You Keep the Property After the Assignment Ends?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Many homeowners choose to convert their U.S. property into a <strong>long-term rental<\/strong>, vacation home, or even second residence after they return to their home country.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some investors even use <strong>DSCR loans<\/strong> to refinance and repurpose the property as an income-generating asset later on.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Work With a Lender Who Understands Global Mobility<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Traditional U.S. banks are often unfamiliar with international employment structures and non-resident underwriting. That\u2019s why it&#8217;s essential to work with a specialist like <strong>America Mortgages<\/strong>, who provides:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mortgages to foreign nationals and visa holders<br><\/li>\n\n\n\n<li>Cross-border document processing<br><\/li>\n\n\n\n<li>Remote application and closing capabilities<br><\/li>\n\n\n\n<li>Personalized advice from experts in global mobility lending<\/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<p class=\"wp-block-paragraph\"><strong>Final Thoughts<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your company is relocating you to the United States, you don\u2019t have to settle for rental housing. With the right mortgage solution, you can own a home, grow your wealth, and create a more stable living experience during your assignment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">? Questions about your mortgage options while on assignment?<\/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\/\"> 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: <a href=\"tel:+18455830830\" data-type=\"tel\" data-id=\"tel:+18455830830\">+1 845-583-0830&nbsp;<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Need help getting started? Use their <strong><a href=\"https:\/\/calendly.com\/u-s-mortgages\" target=\"_blank\" rel=\"noopener\">24\/7 online booking tool<\/a><\/strong> 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","protected":false},"excerpt":{"rendered":"<p>Relocating to the U.S. for Work? You Can Still Own a Home Being transferred to the United States through your employer\u2014whether on an L1, H1B, O1, or E2 visa\u2014often brings a whirlwind of logistics, decisions, and financial considerations. One of the biggest: where to live. Many relocating professionals assume that renting is the only option [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":21285,"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":[1],"tags":[],"am_country":[],"am_audience":[],"am_format":[],"class_list":["post-21279","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-types"],"acf":[],"qubely_featured_image_url":{"full":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51.jpg",1200,628,false],"landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51.jpg",1200,628,false],"portraits":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51-540x320.jpg",540,320,true],"thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51-150x150.jpg",150,150,true],"medium":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51-300x157.jpg",300,157,true],"medium_large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51-768x402.jpg",580,304,true],"large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51-1024x536.jpg",580,304,true],"1536x1536":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51.jpg",1200,628,false],"2048x2048":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51.jpg",1200,628,false],"qubely_landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51.jpg",1200,628,false],"qubely_portrait":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51-540x320.jpg",540,320,true],"qubely_thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51-140x100.jpg",140,100,true],"post-thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51.jpg",1200,628,false],"twentytwenty-fullscreen":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-51.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\/loan-types\/\" rel=\"category tag\">Loan Types<\/a>","qubely_excerpt":"Relocating to the U.S. for Work? You Can Still Own a Home Being transferred to the United States through your employer\u2014whether on an L1, H1B, O1, or E2 visa\u2014often brings a whirlwind of logistics, decisions, and financial considerations. One of the biggest: where to live. Many relocating professionals assume that renting is the only option&hellip;","_links":{"self":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21279","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=21279"}],"version-history":[{"count":10,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21279\/revisions"}],"predecessor-version":[{"id":22883,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21279\/revisions\/22883"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media\/21285"}],"wp:attachment":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media?parent=21279"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/categories?post=21279"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/tags?post=21279"},{"taxonomy":"am_country","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_country?post=21279"},{"taxonomy":"am_audience","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_audience?post=21279"},{"taxonomy":"am_format","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_format?post=21279"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}