{"id":595,"date":"2021-01-15T01:04:40","date_gmt":"2021-01-15T01:04:40","guid":{"rendered":"https:\/\/www.americamortgages.com\/?page_id=595"},"modified":"2026-04-27T08:04:20","modified_gmt":"2026-04-27T08:04:20","slug":"us-citizen-overseas","status":"publish","type":"page","link":"https:\/\/www.americamortgages.com\/us-citizen-overseas\/","title":{"rendered":"U.S. Citizen Living Overseas? How to Get a U.S. Mortgage"},"content":{"rendered":"\n<div class=\"expat single-page\">\n    <div class=\"jet-banner\">\n        <div class=\"banner-image\">\n            <img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/01\/expats-banner-scaled.jpg\" alt=\"International Mortgage Loans - Foreign Mortgage Loan\">\n        <\/div>\n        <div class=\"jet-container\">\n            <div class=\"banner-box\">\n                <h2>U.S. Expat Mortgage Loans for Americans Living Abroad<\/h2>\n                <p>Discover how U.S. expats can qualify for an expat mortgage in the U.S. while living abroad using overseas income. Learn how America Mortgages supports Americans abroad with flexible financing options and real client examples.<\/p>\n                <div class=\"buttons\">\n                    <a class=\"button common-button\" href=\"\/mortgage-for-expat-form\" onclick=\"window.dataLayer.push({ 'event': 'Click Get Started - U.S. Expat - Top Banner' });\">Get Started<\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"landing-info gray-back\">\n        <div class=\"jet-container\">\n            <div class=\"info\">&#8220;We are the world\u2019s only U.S. International Mortgage Lender Specialist based overseas. We are expats ourselves so know exactly how to best serve you.&#8221;<\/div>\n            <label><\/label>\n            <p class=\"info-name\">Robert Chadwick<\/p>\n            <p class=\"info-sub\">CEO<\/p>\n        <\/div>\n    <\/div>\n\n    <div class=\"jet-container\">\n        <div class=\"center-module\">\n            <div class=\"center-module-list layer-one\">\n                <div class=\"list-content\">\n                    <h2 class=\"common-title h2-title\">Why Expats Face Challenges With U.S. Mortgages<\/h2>\n                    <p class=\"h2-description\">After more than 5 years advising U.S. expats and <a href=\"https:\/\/www.americamortgages.com\/foreign-national-overseas\/\">foreign nationals<\/a>, one thing has become clear: the U.S. banking system isn\u2019t built with expats in mind. For most traditional lenders, if your income isn\u2019t in U.S. dollars and backed by a W-2 form, you\u2019re out of luck.<\/p>\n\n<p class=\"h2-description\">This is one of the most common challenges when applying for a U.S. expat mortgage through traditional lenders.<\/p>\n\n                    <p class=\"h2-description\">That\u2019s where <a title=\"America Mortgages\u2019 U.S. Expat Mortgage Loans\" href=\"https:\/\/www.americamortgages.com\/us-expats-program-sheet\/\">America Mortgages\u2019 U.S. Expat Mortgage Loans<\/a> come in, designed specifically for Americans living abroad.<\/p>\n                    <p class=\"h2-description\">We offer expat mortgage loans specifically designed for Americans living abroad. These loans mirror what you\u2019d find at a U.S. bank: fixed and adjustable-rate mortgages, 30-year amortization, interest-only payment options, but are built for borrowers who earn income overseas.<\/p>\n                <\/div>\n                <div class=\"list-image\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/08\/expat-img-03.png\" class=\"web-image\" alt=\"US Expat Mortgage | International Mortgage USA\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/08\/expat-mobile-image3.jpg\" class=\"mobile-image\" alt=\"International Mortgage Loans | Mortgage For US Expats\">\n                <\/div>\n            <\/div>\n\n            <div class=\"center-module-line\">\n                <img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/centerline.png\" class=\"web\" alt=\"Expat Home Loans - Centerline\">\n                <img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/03\/mobile-line.png\" class=\"mobile\" alt=\"Expat Home Loans - Mobile Line\">\n            <\/div>\n\n            <div class=\"center-module-list layer-two\">\n                <div class=\"list-image\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/foreign-img-02.png\" class=\"web-image\" alt=\"International Mortgage USA | Overseas Mortgage Lenders\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/08\/expat-mobile-image4.jpg\" class=\"mobile-image\" alt=\"International Mortgage | Overseas Mortgage Lenders\">\n                <\/div>\n                <div class=\"list-content\">\n                    <h2 class=\"common-title h2-title\">What Makes Our Expat Mortgage Loans Different for U.S. Expats?<\/h2>\n                    <p class=\"h2-description\">When applying for a mortgage for expats, traditional lenders often struggle with:<\/p>\n                    <ul class=\"list-list\">\n                        <li>Verifying foreign currency income<\/li>\n                        <li>Evaluating non-U.S. credit histories<\/li>\n                        <li>Accepting <a href=\"https:\/\/www.americamortgages.com\/qa-tax-smart-strategies-for-u-s-real-estate-investors-non-resident\/\">international tax<\/a> documentation<\/li>\n                    <\/ul>\n                    <p class=\"h2-description\">Here&#8217;s how:<\/p>\n                    <ul class=\"list-list check-list\">\n                        <li><strong>Overseas income and credit accepted<\/strong> \u2013 Salaries in <a href=\"https:\/\/www.americamortgages.com\/how-non-u-s-citizens-and-expats-can-easily-secure-a-u-s-mortgage-with-america-mortgages\/\">foreign currencies<\/a> are no problem.<\/li>\n                        <li><strong>Up to 80% loan-to-value (LTV)<\/strong> \u2013 For purchases, refinancing, and equity release.<\/li>\n                        <li><strong>Flexible loan programs<\/strong> \u2013 Choose from 15- or 30-year fixed rates, or 5- and 7-year ARMs.<\/li>\n                        <li><strong>Loan sizes $150,000\u2013$5 million<\/strong> \u2013 Designed for both starting and luxury investors.<\/li>\n                        <li><strong>30-year amortization regardless of age<\/strong> \u2013 Makes long-term planning simple.<\/li>\n                        <li><strong>Interest-only options<\/strong> \u2013 Fixed 10-year interest only loans that convert to a principal and interest 30-year fixed without a rate change. Helps manage cash flow and maintain peace of mind with a fixed rate while living overseas.<\/li>\n                    <\/ul>\n                <\/div>\n            <\/div>\n\n            <div class=\"center-module-line\">\n                <img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/centerline.png\" class=\"web\" alt=\"Expat Home Loans - Centerline\">\n                <img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/03\/mobile-line.png\" class=\"mobile\" alt=\"Expat Home Loans - Mobile Line\">\n            <\/div>\n\n            <div class=\"center-module-list layer-one\">\n                <div class=\"list-content\">\n                    <h2 class=\"common-title h2-title\">Real-Life Example: From Singapore to California<\/h2>\n                    <p class=\"h2-description\">Take John and Sarah, U.S. expats working in Singapore. John earns his salary in Singapore dollars at a multinational tech firm, while Sarah runs her own consulting business.<\/p>\n                    <p class=\"h2-description\">When they applied for a traditional U.S. expat mortgage at their bank, they were told: <em>\u201cWe can\u2019t use your income unless it\u2019s on a W-2.\u201d<\/em><\/p>\n                    <p class=\"h2-description\">Through <strong>America Mortgages\u2019 Foreign Income Mortgage Program<\/strong>, we qualified them based on their actual earnings. The result:<\/p>\n                    <ul class=\"list-list\">\n                        <li>A <strong>30-year fixed loan<\/strong> at 80% LTV<\/li>\n                        <li>An <strong>interest-only period<\/strong> for 10 years, giving them flexibility<\/li>\n                        <li>Financing secured at competitive rates without a penalty for living abroad<\/li>\n                    <\/ul>\n                    <p class=\"h2-description\">Today, John and Sarah own the California home they\u2019ll eventually retire in. <a href=\"https:\/\/www.americamortgages.com\/heres-the-mortgage-loan-youve-been-waiting-for\/\">Proof that U.S. expat mortgages can be both straightforward<\/a>, transparent, and affordable.<\/p>\n                <\/div>\n                <div class=\"list-image\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/expat-img-01.png\" class=\"web-image\" alt=\"US Expat Mortgage | International Mortgage USA\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/01\/expat-mobile-mage1.jpg\" class=\"mobile-image\" alt=\"International Mortgage Loans | Mortgage For US Expats\">\n                <\/div>\n            <\/div>\n\n            <div class=\"center-module-line\">\n                <img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/centerline.png\" class=\"web\" alt=\"Expat Home Loans - Centerline\">\n                <img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/03\/mobile-line.png\" class=\"mobile\" alt=\"Expat Home Loans - Mobile Line\">\n            <\/div>\n\n            <div class=\"center-module-list layer-two\">\n                <div class=\"list-image\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/expat-img-02.png\" class=\"web-image\" alt=\"International Mortgage USA | Overseas Mortgage Lenders\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/01\/expat-mobile-image2.jpg\" class=\"mobile-image\" alt=\"International Mortgage | Overseas Mortgage Lenders\">\n                <\/div>\n                <div class=\"list-content\">\n                    <h2 class=\"common-title h2-title\">Why Act Now?<\/h2>\n                    <p class=\"h2-description\">With interest rates declining, U.S. expats have a rare opportunity to secure an expat mortgage with favorable terms. Whether you\u2019re buying a <a href=\"https:\/\/www.americamortgages.com\/vacation-home-mortgages-buying-u-s-holiday-property-from-abroad\/\">vacation home<\/a>, <a href=\"https:\/\/www.americamortgages.com\/u-s-luxury-property-investments\/\">investment property<\/a>, <a href=\"https:\/\/www.americamortgages.com\/refinance-us-property\/\">refinancing<\/a>, or <a href=\"https:\/\/www.americamortgages.com\/home-equity-on-demand-asset-backed-mortgages-by-america-mortgages\/\">pulling equity from your property<\/a>, now is the time to <a href=\"https:\/\/www.americamortgages.com\/contact\/\">explore your options.<\/a><\/p>\n                    <p class=\"h2-description\">Your income source shouldn\u2019t prevent you from accessing the U.S. housing market. With the right <a href=\"https:\/\/www.americamortgages.com\">expat mortgage lender<\/a>, it won\u2019t.<\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"consectetur gray-back\">\n        <div class=\"jet-container\">\n            <p>Schedule a call with our U.S. Mortgage Specialist.<\/p>\n            <div class=\"buttons\">\n                <a class=\"button common-button\" href=\"\/mortgage-for-expat-form\" onclick=\"window.dataLayer.push({ 'event': 'Click Get Started - U.S. Expat - Bottom Banner' });\">Get Started<\/a>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<style>\n.center-module-list .list-content .check-list li:before {\n    content: \"\u2705\";\n    background: none;\n    left: -1px;\n    top: 0px;\n    font-size: 12px;\n}\n@scope(.expat){\na{\ncolor:#003DA5;\ntext-decoration:underline!important;\n}\n}\n<\/style>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>U.S. Expat Mortgage Loans for Americans Living Abroad Discover how U.S. expats can qualify for an expat mortgage in the U.S. while living abroad using overseas income. Learn how America Mortgages supports Americans abroad with flexible financing options and real client examples. Get Started &#8220;We are the world\u2019s only U.S. International Mortgage Lender Specialist based [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/template-service.php","meta":{"_acf_changed":false,"qubely_global_settings":"","qubely_interactions":"","inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-595","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/pages\/595","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/comments?post=595"}],"version-history":[{"count":97,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/pages\/595\/revisions"}],"predecessor-version":[{"id":23828,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/pages\/595\/revisions\/23828"}],"wp:attachment":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media?parent=595"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}