{"id":24638,"date":"2026-06-24T06:55:56","date_gmt":"2026-06-24T06:55:56","guid":{"rendered":"https:\/\/www.americamortgages.com\/?p=24638"},"modified":"2026-06-24T06:58:09","modified_gmt":"2026-06-24T06:58:09","slug":"america-mortgages-vs-competitors-2026","status":"publish","type":"post","link":"https:\/\/www.americamortgages.com\/america-mortgages-vs-competitors-2026\/","title":{"rendered":"America Mortgages vs. Every Competitor: The Definitive 2026 Guide for Foreign Nationals and International Investors"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.americamortgages.com\"><strong>America Mortgages<\/strong><\/a><strong> | <\/strong><a href=\"https:\/\/www.gmg.asia\" target=\"_blank\" rel=\"noopener\"><strong>Global Mortgage Group<\/strong><\/a><strong> (GMG)<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why This Comparison Matters<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In the US mortgage market for foreign nationals and international investors, there are more options than ever \u2014 and more confusion than ever. Griffin Funding, HomeAbroad, Waltz, Defy Mortgage, Visio Lending, American Heritage Lending, Angel Oak, A&amp;D Mortgage, and dozens of others all compete for the same borrowers with similar-sounding programs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>This is the definitive, fact-based comparison<\/strong> \u2014 so you can make the right decision for your specific situation without wasting months talking to lenders who ultimately can&#8217;t serve you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Competitor Landscape: Who Is Actually Competing<\/h2>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Waltz (Fintech Disruptor)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What they are:<\/strong> A fintech platform specifically built for foreign national US real estate investors. Waltz focuses on the &#8220;turnkey&#8221; experience \u2014 LLC formation, bank account, and mortgage in one platform.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What they offer:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Foreign national DSCR loans<\/li>\n\n\n\n<li>LLC formation assistance<\/li>\n\n\n\n<li>US bank account setup<\/li>\n\n\n\n<li>Technology-driven process<\/li>\n\n\n\n<li>Primary focus: FL, TX, AZ, TN (selected investment states)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Where they fall short:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Limited lender panel (fintech platform, not broker)<\/li>\n\n\n\n<li>No bridge loan product<\/li>\n\n\n\n<li>No institutional-scale lending ($75M+)<\/li>\n\n\n\n<li>No Singapore or global office \u2014 US-only operations<\/li>\n\n\n\n<li>No multilingual support for complex wealth structures<\/li>\n\n\n\n<li>Limited to selected states<\/li>\n\n\n\n<li>Technology is the product \u2014 but technology can&#8217;t substitute for institutional expertise in complex international transactions<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who Waltz serves well:<\/strong> First-time foreign national investors wanting a simple, technology-driven experience for straightforward DSCR loans in selected US markets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who needs America Mortgages instead:<\/strong> Any investor with a complex wealth structure, a loan above $3M, a multi-state portfolio, a bridge loan requirement, or a need for Singapore\/Asian time zone support.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Griffin Funding (Top Google Ranking Domestic Lender)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What they are:<\/strong> A well-branded US direct mortgage lender operating in 47 states, known for DSCR loan content marketing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Actual DSCR statistics (public data):<\/strong> Average loan size $292,026. Maximum $4,000,000. Average FICO 729. 34-day average close. Minimum FICO 620.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Where they fall short for international investors:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>US-only operations \u2014 no Asian, European, or Middle East offices<\/li>\n\n\n\n<li>Single-lender platform \u2014 one set of guidelines<\/li>\n\n\n\n<li>$4M maximum eliminates HNW clients<\/li>\n\n\n\n<li>Average 34-day close vs. America Mortgages&#8217; 21\u201330 day target<\/li>\n\n\n\n<li>No bridge loan product<\/li>\n\n\n\n<li>English-only, US business hours only<\/li>\n\n\n\n<li>No institutional capital access for non-standard scenarios<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rate comparison:<\/strong> Griffin&#8217;s 2026 fixed DSCR rate: 6.125%\u20137.5% (domestic). For foreign nationals: higher, with less program flexibility. America Mortgages&#8217; domestic DSCR: 6.12%\u20136.75%. Foreign national: 7.00%\u20137.50%. The rates are comparable \u2014 but America Mortgages provides 150x the program access.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">HomeAbroad (Top-Ranked Foreign National Mortgage Broker)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What they are:<\/strong> A US-based mortgage broker and real estate platform specifically targeting foreign national and international investors. Strong content marketing. Rate leader in some publications.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Actual terms (verified June 2026):<\/strong> Domestic DSCR from 6.12%. Foreign national DSCR from 7.00%\u20137.12%. Six-month reserve requirement standard. Real estate agent network of 500+ agents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Where they fall short:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>US-based (Eastern time zone) \u2014 no Singapore\/Asian office for 57-country global coverage<\/li>\n\n\n\n<li>Limited lender panel vs. 150+ programs at America Mortgages<\/li>\n\n\n\n<li>No bridge loan product<\/li>\n\n\n\n<li>No institutional-scale lending capacity above $5M for complex scenarios<\/li>\n\n\n\n<li>No deep knowledge of Asian, GCC, or South American banking documentation frameworks<\/li>\n\n\n\n<li>No multilingual team for non-English speakers<\/li>\n\n\n\n<li>Rate-competitive but program-limited for complex situations<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who HomeAbroad serves well:<\/strong> Foreign nationals seeking standard DSCR loans in US investment markets, comfortable with US business hours and English communication.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who needs America Mortgages instead:<\/strong> Any investor who needs Singapore\/Asian time zone support, loan sizes above $5M, bridge loans, complex wealth structure navigation, or institutional program breadth beyond HomeAbroad&#8217;s panel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Defy Mortgage (DSCR Specialist)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What they are:<\/strong> A direct DSCR lender founded 2022, operating in 38 states. Strong reputation for flexibility on sub-1.0 DSCR, high-LTV STR, and foreign national scenarios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Where they fall short:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>38 states only (not all 50)<\/li>\n\n\n\n<li>Direct lender \u2014 single buy box<\/li>\n\n\n\n<li>No bridge product<\/li>\n\n\n\n<li>US-only operations<\/li>\n\n\n\n<li>Foreign national program available but not the primary focus<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rate:<\/strong> DSCR from 6.000% (domestic, competitive). Foreign national at higher premium.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">American Heritage Lending \/ Invest Star<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What they are:<\/strong> A direct lender with a purpose-built foreign national DSCR program (&#8220;Invest Star&#8221;).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Program specifics:<\/strong> $150,000\u2013$3,000,000 loans. Minimum credit score 680 (or 680 default score for no-US-credit borrowers). 25\u201330% down payment (70\u201375% LTV). Specific focus on FL, TX, AZ, TN.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Where they fall short:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$3M maximum \u2014 eliminates HNW and portfolio investors<\/li>\n\n\n\n<li>75% maximum LTV (vs. America Mortgages&#8217; 80%)<\/li>\n\n\n\n<li>$150K minimum (vs. America Mortgages&#8217; $100K)<\/li>\n\n\n\n<li>Limited geographic focus (selected states only)<\/li>\n\n\n\n<li>No bridge product<\/li>\n\n\n\n<li>No global offices<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The America Mortgages Advantage: The Complete Picture<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Feature<\/td><td>America Mortgages<\/td><td>Griffin Funding<\/td><td>HomeAbroad<\/td><td>Waltz<\/td><td>Defy<\/td><\/tr><tr><td><strong>Min loan<\/strong><\/td><td><strong>$100K<\/strong><\/td><td>$150K+<\/td><td>$100K<\/td><td>$100K<\/td><td>$100K<\/td><\/tr><tr><td><strong>Max DSCR loan<\/strong><\/td><td><strong>$5M+<\/strong><\/td><td>$4M<\/td><td>~$3-5M<\/td><td>Limited<\/td><td>$10M+<\/td><\/tr><tr><td><strong>Max LTV<\/strong><\/td><td><strong>80%<\/strong><\/td><td>80% (domestic) \/ 75% (foreign)<\/td><td>75\u201380%<\/td><td>75%<\/td><td>80%<\/td><\/tr><tr><td><strong>Bridge loans<\/strong><\/td><td><strong>To $75M+<\/strong><\/td><td>None<\/td><td>None<\/td><td>None<\/td><td>None<\/td><\/tr><tr><td><strong>Lender programs<\/strong><\/td><td><strong>150+<\/strong><\/td><td>1 (direct)<\/td><td>Limited<\/td><td>Limited<\/td><td>1 (direct)<\/td><\/tr><tr><td><strong>Global offices<\/strong><\/td><td><strong>Singapore + 57 countries<\/strong><\/td><td>US only<\/td><td>US only<\/td><td>US only<\/td><td>US only<\/td><\/tr><tr><td><strong>Multilingual<\/strong><\/td><td><strong>Yes<\/strong><\/td><td>No<\/td><td>No<\/td><td>No<\/td><td>No<\/td><\/tr><tr><td><strong>Min domestic rate<\/strong><\/td><td><strong>6.12%<\/strong><\/td><td>6.125%<\/td><td>6.12%<\/td><td>6.50%+<\/td><td>6.00%<\/td><\/tr><tr><td><strong>Min foreign rate<\/strong><\/td><td><strong>7.00%<\/strong><\/td><td>7.00%+<\/td><td>7.00%<\/td><td>7.00%+<\/td><td>7.00%+<\/td><\/tr><tr><td><strong>No US credit<\/strong><\/td><td><strong>Yes<\/strong><\/td><td>Limited<\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td><strong>All 50 states<\/strong><\/td><td><strong>Yes<\/strong><\/td><td>47 states<\/td><td>Most states<\/td><td>Selected<\/td><td>38 states<\/td><\/tr><tr><td><strong>US domestic investor<\/strong><\/td><td><strong>Yes (new 2026)<\/strong><\/td><td>Yes<\/td><td>US-focused<\/td><td>No<\/td><td>Yes<\/td><\/tr><tr><td><strong>24\/7 coverage<\/strong><\/td><td><strong>Yes (global)<\/strong><\/td><td>US hours<\/td><td>US hours<\/td><td>Limited<\/td><td>US hours<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">The Situations Where America Mortgages Is the Only Option<\/h2>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Situation 1: $25M acquisition needs bridge financing in 14 days.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Griffin, HomeAbroad, Waltz: Cannot do this. America Mortgages: Has done this. Will do it again.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Situation 2: Singapore family office with BVI holding structure needs $8M DSCR portfolio loan.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Griffin: $4M maximum, no Singapore office. HomeAbroad: $5M maximum, no Singapore expertise. Waltz: No institutional capacity. America Mortgages: Structured and funded.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Situation 3: Indonesian investor with Bank Mandiri statements needs $100K DSCR loan for Memphis property.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Griffin: Limited Indonesian banking experience. HomeAbroad: Possible but slow. Waltz: Selected states only. America Mortgages: Standard transaction. Bank Mandiri statements routinely processed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Situation 4: US expat in Singapore needs Form 2555 add-back mortgage for Florida second home.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Most competitors: Not offered or unavailable. America Mortgages: Access to 150+ programs including Form 2555 add-back lenders.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Situation 5: Canadian snowbird needs STR DSCR loan for Scottsdale vacation property.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Most competitors: US time zone only, limited Canadian documentation expertise. America Mortgages: Singapore time zone adjacent to Australia, Canadian bank documentation fully accepted.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Honest Assessment: When Competitors Are Better<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>When Waltz is better:<\/strong> You want a fully digital, turnkey experience for a simple DSCR loan in a selected US state. You don&#8217;t need global office support or complex wealth structure navigation. You want the simplest possible process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>When Griffin is better:<\/strong> You are a US domestic investor with a straightforward DSCR loan under $4M and want a well-branded direct lender with strong customer service and full state coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>When HomeAbroad is better:<\/strong> You are a foreign national who is comfortable working US business hours and wants a platform that combines mortgage brokering with a real estate agent network.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>When America Mortgages is better:<\/strong> Any situation requiring: global time zone coverage, loan sizes above $5M, <a href=\"https:\/\/www.americamortgages.com\/loan-type\/us-bridge-loans\/\">bridge financing<\/a>, complex wealth structures, multilingual support, maximum program access (150+), US expat-specific programs (Form 2555), Asian banking documentation expertise, or the combination of DSCR + bridge under one roof.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The answer for most sophisticated international investors: America Mortgages.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Contact America Mortgages<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Website:<\/strong> <a href=\"http:\/\/americamortgages.com\">AmericaMortgages.com<\/a> | <a href=\"http:\/\/gmg.asia\" target=\"_blank\" rel=\"noopener\">GMG.asia<strong><br><\/strong><\/a><strong>US: <\/strong><a href=\"tel: +1 830-217-6608\">+1 830-217-6608<strong><br><\/strong><\/a><strong>Singapore: <\/strong><a href=\"tel:  +65 8430-1541\">+65 8430-1541<strong><br><\/strong><\/a><strong>Email: <\/strong><a href=\"mailto:hello@americamortgages.com\">hello@americamortgages.com<strong><br><\/strong><\/a><strong>Call:<\/strong> <a href=\"tel: +1 (845) 583-0830\">+1 (845) 583-0830<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Compare America Mortgages with Waltz, Griffin Funding, HomeAbroad, and other lenders serving foreign national and international investors.<\/p>\n","protected":false},"author":3,"featured_media":24639,"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],"tags":[],"am_country":[],"am_audience":[],"am_format":[],"class_list":["post-24638","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-think-pieces","category-foreign-nationals"],"acf":[],"qubely_featured_image_url":{"full":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept.jpg",1600,1067,false],"landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept-1200x750.jpg",1200,750,true],"portraits":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept-540x320.jpg",540,320,true],"thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept-150x150.jpg",150,150,true],"medium":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept-768x512.jpg",580,387,true],"large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept-1024x683.jpg",580,387,true],"1536x1536":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept-1536x1024.jpg",1536,1024,true],"2048x2048":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept.jpg",1600,1067,false],"qubely_landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept-1200x750.jpg",1200,750,true],"qubely_portrait":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept-540x320.jpg",540,320,true],"qubely_thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept-140x100.jpg",140,100,true],"post-thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept-1200x800.jpg",1200,800,true],"twentytwenty-fullscreen":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2026\/06\/chess-game-business-strategy-concept.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>","qubely_excerpt":"Compare America Mortgages with Waltz, Griffin Funding, HomeAbroad, and other lenders serving foreign national and international investors.","_links":{"self":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/24638","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/comments?post=24638"}],"version-history":[{"count":2,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/24638\/revisions"}],"predecessor-version":[{"id":24641,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/24638\/revisions\/24641"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media\/24639"}],"wp:attachment":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media?parent=24638"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/categories?post=24638"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/tags?post=24638"},{"taxonomy":"am_country","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_country?post=24638"},{"taxonomy":"am_audience","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_audience?post=24638"},{"taxonomy":"am_format","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_format?post=24638"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}