{"id":23930,"date":"2026-04-15T07:39:59","date_gmt":"2026-04-15T07:39:59","guid":{"rendered":"https:\/\/www.americamortgages.com\/?p=23930"},"modified":"2026-04-15T09:56:45","modified_gmt":"2026-04-15T09:56:45","slug":"us-mortgage-for-expats","status":"publish","type":"post","link":"https:\/\/www.americamortgages.com\/us-mortgage-for-expats\/","title":{"rendered":"How to Get a US Mortgage as an Expat: The Complete 2025 Guide"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Key Takeaways<\/h2>\n\n\n\n<p class=\"box-bgText wp-block-paragraph\"><strong>At a Glance<\/strong><br>US expats can absolutely get US mortgages \u2014 but the process has critical differences from domestic lending. Whether you&#8217;re buying a home to return to, a rental investment, or helping a family member, this guide covers every scenario. The biggest unlock: specialist lenders who understand foreign income, tax treaties, and expat-specific documentation requirements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Introduction: The Expat Mortgage Gap \u2014 Why This Topic Is Poorly Covered<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;ve spent years building a career abroad. You pay US taxes as required (US citizens are taxed on worldwide income regardless of where they live). You have a US Social Security Number and possibly a US credit history. You might own property in your host country. And now you want to buy \u2014 or keep owning \u2014 property in the United States.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s the problem: most US mortgage lenders have no idea what to do with you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your income is in Singapore dollars. Your employer is a German GmbH. Your tax returns show Form 2555 (Foreign Earned Income Exclusion) \u2014 which artificially zeroes out your US-reportable income, making you look broke on paper even if you earn $300,000 per year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is the expat mortgage trap. And it catches thousands of American expats every year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide explains exactly why it happens, what the solutions are, and how to get a US mortgage even when you live and earn income entirely outside the United States.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Part 1: The Expat Borrower Matrix \u2014 Which Category Are You?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The expat mortgage experience varies dramatically based on your specific situation. Identify your profile:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Expat Profile<\/strong><\/td><td><strong>Main Challenge<\/strong><\/td><td><strong>Best Loan Solution<\/strong><\/td><td><strong>Difficulty Level<\/strong><\/td><\/tr><tr><td>US Citizen, Foreign Employer, Plans to Return<\/td><td>Foreign income documentation, employer letter in foreign language<\/td><td>Conventional + expat income docs<\/td><td>Moderate<\/td><\/tr><tr><td>US Citizen, Foreign Income, Buying Investment Property<\/td><td>Form 2555 exclusion makes income look $0<\/td><td>DSCR loan (property income only)<\/td><td>Easy \u2014 with right lender<\/td><\/tr><tr><td>US Citizen, No US Credit History (long-term expat)<\/td><td>Credit score gone dormant or expired<\/td><td>Rebuild credit or use non-traditional verification<\/td><td>Moderate<\/td><\/tr><tr><td>US Citizen, Spouse is Foreign National<\/td><td>Co-borrower has no US SSN\/credit<\/td><td>One-borrower approach or foreign national co-borrower program<\/td><td>Moderate-Hard<\/td><\/tr><tr><td>Green Card Holder Living Abroad<\/td><td>Residency requirements for Green Card complicate things<\/td><td>Case-by-case portfolio lending<\/td><td>Hard<\/td><\/tr><tr><td>US Citizen, Self-Employed Abroad<\/td><td>No W-2s, complex foreign business structure<\/td><td>Bank statement loan or asset depletion<\/td><td>Hard \u2014 specialist required<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Part 2: The Form 2555 Problem \u2014 The Trap Nobody Explains<\/h2>\n\n\n\n<p class=\"box-bgText wp-block-paragraph\"><strong>The Form 2555 Trap<\/strong><br>Form 2555 (Foreign Earned Income Exclusion) allows US expats to exclude up to $126,500 (2024) of foreign earned income from US taxable income. This is a major tax benefit \u2014 but it creates a catastrophic mortgage problem: your US tax returns show $0 or near-$0 in income, making you appear unqualified for any mortgage that uses US tax returns for income verification.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is why so many expats get flat rejections from mainstream US lenders. The lender&#8217;s underwriting system looks at your 1040, sees your income as $0 (or negative, after exclusions and deductions), and declines instantly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Solutions to the Form 2555 Problem<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use a Lender That Accepts Foreign Income Documentation: Specialist lenders and portfolio lenders understand Form 2555. They &#8216;add back&#8217; the excluded income and qualify you on your actual earnings. This requires employer letters, foreign pay stubs, and sometimes translated foreign income documentation.<\/li>\n\n\n\n<li>DSCR Loan (Investment Properties): If you&#8217;re buying investment property, the rental income qualifies you \u2014 your personal income is irrelevant. This completely sidesteps the Form 2555 problem.<\/li>\n\n\n\n<li>Bank Statement Loans: 12-24 months of bank statements showing deposits can substitute for tax returns with certain lenders. Your actual cash flow tells the real story.<\/li>\n\n\n\n<li>Asset Depletion: If you have substantial assets (retirement accounts, brokerage accounts, foreign investments), some lenders will calculate a &#8216;depletion income&#8217; based on those assets divided over a number of years.<\/li>\n\n\n\n<li>Revoke the 2555 Election: For some expats close to repatriation, revoking the Foreign Earned Income Exclusion for the qualifying year(s) makes income visible on tax returns \u2014 but creates a significant tax liability. This is a last resort and requires CPA guidance.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Part 3: Foreign Income Verification \u2014 What Lenders Accept<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re using foreign income to qualify, here&#8217;s what specialist lenders typically require:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Two years of US tax returns (1040), even with Form 2555 \u2014 the lender needs the full picture<\/li>\n\n\n\n<li>Two years of foreign tax returns or local government income certificates<\/li>\n\n\n\n<li>Last 2-3 months of foreign pay stubs or salary statements<\/li>\n\n\n\n<li>Employer verification letter on company letterhead \u2014 must include: job title, employment start date, salary, confirmation of continued employment<\/li>\n\n\n\n<li>Last 3-6 months of foreign bank statements showing salary deposits<\/li>\n\n\n\n<li>If self-employed: CPA-prepared profit and loss statements and business bank statements<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Translation Requirement<\/strong>If your income documents are not in English, most lenders require certified English translations. Use a professional translation service \u2014 not Google Translate. The cost is typically $50-150 per document and is absolutely worth it to avoid underwriting delays.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"box-bgText wp-block-paragraph\"><strong>Translation Requirement<\/strong><br>If your income documents are not in English, most lenders require certified English translations. Use a professional translation service \u2014 not Google Translate. The cost is typically $50-150 per document and is absolutely worth it to avoid underwriting delays.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Part 4: The US Credit Score Problem for Long-Term Expats<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">US credit scores \u2014 <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-fico-score-en-1883\/\" target=\"_blank\" rel=\"noopener\">FICO scores<\/a> \u2014 are based on US credit accounts that show active use. If you&#8217;ve been abroad for 5-10+ years and have stopped using US credit cards or loans, your credit score may have:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gone dormant (score disappears if no activity for 6+ months)<\/li>\n\n\n\n<li>Declined due to account closures<\/li>\n\n\n\n<li>Aged without new positive data<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The good news: unlike a foreign national with zero US credit history, a long-term US expat usually has the foundation to rebuild quickly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Expat Credit Rebuild Strategy<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reactivate existing US credit cards: If you still have US credit card accounts open, use them for small purchases regularly \u2014 even auto-paying a streaming subscription. This reactivates the account and starts rebuilding your FICO score.<\/li>\n\n\n\n<li>Keep existing US accounts open: Don&#8217;t close US credit accounts when you move abroad. Even unused accounts with $0 balance contribute to your credit length and available credit.<\/li>\n\n\n\n<li>Request a secured card if needed: US banks like Capital One and Discover offer secured cards to people with thin credit files. A $500 deposit gets you a $500 credit line. Use it for 6-12 months and your score begins climbing.<\/li>\n\n\n\n<li>Add yourself to a family member&#8217;s account: If a parent or sibling has a US credit card with a strong history, being added as an authorized user can boost your score significantly.<\/li>\n\n\n\n<li>Plan ahead: Credit rebuilding takes 12-24 months to show meaningful results. If you know you want a US mortgage in 2 years, start rebuilding credit now.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Part 5: The Four Most Common Expat Mortgage Scenarios \u2014 Solved<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Scenario 1: Buying a Future Home to Return To<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;re a US expat living in Singapore planning to return to the US in 3-5 years. You want to buy a home in Austin, Texas now so you have a place to return to (and potentially rent out in the meantime).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Solution: This is actually one of the more straightforward expat scenarios if structured correctly. You can buy as a primary residence with the intention to occupy, even if you&#8217;ll rent it first. Lenders generally accept this with a letter of intent explaining your relocation plans. If the property generates rental income while you&#8217;re abroad, a DSCR loan may actually be the cleanest solution.<\/p>\n\n\n\n<p class=\"box-bgText wp-block-paragraph\"><strong>America Mortgages Client Example<\/strong><br>A US expat couple in Hong Kong bought a 4-bedroom home in Dallas for $650,000. They documented foreign income through pay stubs, employer letters, and bank statements. The lender added back their Form 2555 exclusion, qualifying them on full gross income. Rate: 7.25%, 30-year fixed. The property is currently rented and will become their primary residence when they return to the US.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Scenario 2: Pure Investment \u2014 Buying a Rental Property from Abroad<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You have no plans to return to the US soon, but you want to invest in US real estate for diversification, rental income, or appreciation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Solution: <a href=\"https:\/\/www.americamortgages.com\/guide-to-dscr-loans\/\">DSCR loans<\/a> are the gold standard here. Your personal income is irrelevant. The property qualifies itself based on rental income. Many DSCR lenders specifically accommodate US expats as borrowers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Scenario 3: Expat with Foreign National Spouse<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;re a US citizen living abroad married to a non-US-citizen spouse. You want to buy US property together.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Solution: Two approaches. First, qualify as a sole borrower on your income only (if it&#8217;s strong enough). Second, some lenders offer programs that accommodate non-citizen co-borrowers with foreign income and foreign credit. <a href=\"https:\/\/www.americamortgages.com\">America Mortgages<\/a> specializes in exactly this scenario, having access to lenders who accept mixed-citizenship borrower pairs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Scenario 4: Self-Employed Expat Business Owner<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You run a business abroad and are paid through distributions, dividends, or a complex foreign corporate structure. You have no W-2s and your US tax returns are complex.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Solution: Bank statement loans (using 12-24 months of business or personal bank statements to document income) and asset depletion loans are the primary tools. Working with an experienced mortgage specialist who can present your full financial picture to underwriting is essential.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Part 6: Expat Mortgage Rates \u2014 What to Expect<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Loan Scenario<\/strong><\/td><td><strong>Approximate Rate Premium<\/strong><\/td><td><strong>How to Minimize<\/strong><\/td><\/tr><tr><td>US Expat, Strong Foreign Income Docs<\/td><td>+0.25% to +0.75%<\/td><td>Strong credit score, 20%+ down, documented reserves<\/td><\/tr><tr><td>Bank Statement Loan<\/td><td>+0.75% to +1.5%<\/td><td>2 years statements, consistent deposits, strong DSCR<\/td><\/tr><tr><td>DSCR Investment Property<\/td><td>+0.75% to +1.5%<\/td><td>DSCR 1.25+, 25%+ down, good property location<\/td><\/tr><tr><td>Asset Depletion<\/td><td>+0.5% to +1.25%<\/td><td>Very strong asset base (10x+ loan amount)<\/td><\/tr><tr><td>Portfolio Loan (complex scenarios)<\/td><td>+1.0% to +2.5%<\/td><td>Compensating factors: assets, LTV, property quality<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Part 7: US Tax Implications for Expat Homeowners<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As a US citizen, you&#8217;re taxed on worldwide income, which means your US property has tax implications whether you live there or not.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rental Income: If you rent your US property, that rental income is reportable on your US tax return (Schedule E). You can deduct mortgage interest, property taxes, insurance, depreciation, and maintenance costs \u2014 often resulting in a paper loss that can offset other income.<\/li>\n\n\n\n<li>Primary Residence Gain Exclusion: If\/when you sell the property after living in it for 2 of the past 5 years, you can exclude up to $250,000 (single) or $500,000 (married) of capital gain. This exclusion is NOT available if you&#8217;ve rented the property continuously.<\/li>\n\n\n\n<li>Mortgage Interest Deduction: US citizens can deduct mortgage interest on their US taxes even while living abroad (subject to standard limitations).<\/li>\n\n\n\n<li>FBAR \/ PFIC Considerations: Your foreign bank accounts used to fund your US mortgage may have their own reporting requirements.<\/li>\n<\/ul>\n\n\n\n<p class=\"box-bgText wp-block-paragraph\"><strong>Key Recommendation<\/strong><br>Work with a CPA who specializes in expat taxation BEFORE you buy. The difference between an optimal structure and an inefficient one can amount to thousands of dollars annually.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Part 8: The Step-by-Step Expat Mortgage Process<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Start with a specialist mortgage broker (America Mortgages): Don&#8217;t waste time with retail banks. <a href=\"https:\/\/www.americamortgages.com\/contact\/\">Get an expat-specialist consultation first<\/a>.<\/li>\n\n\n\n<li>Get a preliminary document checklist: Know exactly what income, credit, and asset documentation you&#8217;ll need \u2014 before you start gathering.<\/li>\n\n\n\n<li>Credit check and strategy: Run your US credit report early. If your score needs work, start the rebuild process.<\/li>\n\n\n\n<li>Income documentation preparation: Gather 2 years US tax returns, foreign pay stubs, employer letters, bank statements.<\/li>\n\n\n\n<li>US bank account and fund transfer planning: Ensure your down payment funds are in a US account with a clear paper trail.<\/li>\n\n\n\n<li>Pre-approval: Get a pre-approval letter before making offers \u2014 essential in competitive markets.<\/li>\n\n\n\n<li>Property selection: Work with a US real estate agent experienced in remote\/expat purchases. Virtual tours and remote closings are now standard.<\/li>\n\n\n\n<li>Appraisal and underwriting: Allow extra time (60-90 days) for the complexity of expat documentation.<\/li>\n\n\n\n<li>Remote closing: Many title companies and attorneys now support fully remote closings using notarized documents or RON (Remote Online Notarization). Some states still require in-person \u2014 plan accordingly.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Common Mistakes Expat Borrowers Make<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applying to a retail bank without expat experience. The loan officer&#8217;s automated underwriting system will reject you instantly when it sees Form 2555 income.<\/li>\n\n\n\n<li>Letting US credit go dormant. Proactively maintain US credit card activity even while abroad.<\/li>\n\n\n\n<li>Not planning for <a href=\"https:\/\/www.ssa.gov\/people\/materials\/pdfs\/EN-05-10297.pdf\" target=\"_blank\" rel=\"noopener\">FICA<\/a> and <a href=\"https:\/\/brighttax.com\/blog\/how-to-file-fbar-online-guide-expats\/\" target=\"_blank\" rel=\"noopener\">FBAR<\/a> reporting. Funding your US mortgage from foreign accounts requires careful documentation of the source of funds.<\/li>\n\n\n\n<li>Buying remotely without a trusted local team. You need a real estate agent, title company, attorney, and home inspector you trust, even if you can&#8217;t be there in person.<\/li>\n\n\n\n<li>Expecting a standard timeline. Expat mortgages take longer. Build in extra time when making purchase offers.<\/li>\n\n\n\n<li>Not considering the rental income option. If you&#8217;re buying a property you won&#8217;t live in immediately, structuring it as a rental from day one (DSCR loan) is often cleaner and faster than trying to qualify on foreign income.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Future Trends for Expat Mortgages<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.docusign.com\/blog\/remote-online-notarization-guide\" target=\"_blank\" rel=\"noopener\">Remote Online Notarization<\/a> (RON) is becoming standard: More states are enabling fully remote closings, eliminating the need for expats to fly back to the US just to sign documents.<\/li>\n\n\n\n<li>Digital foreign income verification: New platforms are enabling real-time digital verification of foreign payroll records, reducing underwriting timelines.<\/li>\n\n\n\n<li>Expanding lender appetite: The expat market is growing, and more lenders are building dedicated expat mortgage programs.<\/li>\n\n\n\n<li>Tax treaty optimization: As more tax treaties clarify treatment of foreign income, some expat borrowers may find qualifying on foreign income becomes more straightforward.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions \u2014 Expat Mortgages<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q1: Can a US citizen living abroad get a US mortgage?<\/strong><strong><br><\/strong><strong>A: <\/strong>Yes, absolutely. US citizens living abroad can get US mortgages, though the process requires working with lenders who understand foreign income documentation and the Form 2555 exclusion issue. America Mortgages specializes in exactly this scenario.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q2: Does using the Foreign Earned Income Exclusion (Form 2555) hurt my mortgage application?<\/strong><strong><br><\/strong><strong>A: <\/strong>Yes \u2014 if you apply with the wrong lender. Form 2555 makes your US tax return show $0 or very low income, which standard lenders reject. Specialist lenders &#8216;add back&#8217; excluded income and qualify you on actual earnings. Alternatively, DSCR loans bypass personal income entirely.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q3: Can I get a US mortgage with foreign income?<\/strong><strong><br><\/strong><strong>A: <\/strong>Yes. Specialist lenders accept foreign income documentation including employer letters, foreign pay stubs, foreign tax returns, and bank statements. The income must be converted to USD for underwriting purposes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q4: Do I need to be in the US to close on a US mortgage?<\/strong><strong><br><\/strong><strong>A: <\/strong>Not necessarily. Remote Online Notarization (RON) and international notarization options allow many expats to close without traveling to the US. Some states still require in-person closings \u2014 check with your title company early.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q5: How long does an expat mortgage take to close?<\/strong><strong><br><\/strong><strong>A: <\/strong>Plan for 60-90 days from application to closing. International document verification, foreign income analysis, and potential ITIN processing add time. America Mortgages&#8217; experienced team minimizes delays by knowing exactly what each lender requires upfront.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why America Mortgages for Expats<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.americamortgages.com\">America Mortgages<\/a> was built specifically for the global American people who live, work, and invest across borders. Our mortgage specialists have helped clients in 50+ countries obtain US mortgages when domestic banks said it couldn&#8217;t be done.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Direct access to lenders who accept <a href=\"https:\/\/www.irs.gov\/pub\/irs-pdf\/f2555.pdf\" target=\"_blank\" rel=\"noopener\">Form 2555<\/a> add-back income<\/li>\n\n\n\n<li>DSCR loan programs requiring zero US income verification<\/li>\n\n\n\n<li>Remote closing capability in all 50 states<\/li>\n\n\n\n<li>Expat-experienced loan officers in your time zone<\/li>\n\n\n\n<li>No US office visit required in most cases<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Visit <a href=\"http:\/\/americamortgages.com\">americamortgages.com<\/a> or <a href=\"https:\/\/calendly.com\/u-s-mortgages\" target=\"_blank\" rel=\"noopener\">contact us<\/a> directly to speak with an expat mortgage specialist today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Discover how US expats can qualify for mortgages in 2026, including foreign income rules, Form 2555 solutions, and DSCR loan options.<\/p>\n","protected":false},"author":3,"featured_media":23931,"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-23930","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\/2026\/04\/top-view-permanent-resident-cards-flag.jpg",1600,1067,false],"landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/04\/top-view-permanent-resident-cards-flag-1200x750.jpg",1200,750,true],"portraits":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/04\/top-view-permanent-resident-cards-flag-540x320.jpg",540,320,true],"thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/04\/top-view-permanent-resident-cards-flag-150x150.jpg",150,150,true],"medium":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/04\/top-view-permanent-resident-cards-flag-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/04\/top-view-permanent-resident-cards-flag-768x512.jpg",580,387,true],"large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/04\/top-view-permanent-resident-cards-flag-1024x683.jpg",580,387,true],"1536x1536":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/04\/top-view-permanent-resident-cards-flag-1536x1024.jpg",1536,1024,true],"2048x2048":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/04\/top-view-permanent-resident-cards-flag.jpg",1600,1067,false],"qubely_landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/04\/top-view-permanent-resident-cards-flag-1200x750.jpg",1200,750,true],"qubely_portrait":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/04\/top-view-permanent-resident-cards-flag-540x320.jpg",540,320,true],"qubely_thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/04\/top-view-permanent-resident-cards-flag-140x100.jpg",140,100,true],"post-thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/04\/top-view-permanent-resident-cards-flag-1200x800.jpg",1200,800,true],"twentytwenty-fullscreen":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/04\/top-view-permanent-resident-cards-flag.jpg",1600,1067,false]},"qubely_author":{"display_name":"Robert Chadwick","author_link":"https:\/\/www.americamortgages.com\/author\/robert-chadwick\/"},"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":"Discover how US expats can qualify for mortgages in 2026, including foreign income rules, Form 2555 solutions, and DSCR loan 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