U.S. Expat Loans

U.S. Expats home loans offer a unique opportunity for American expatriates to secure financing for their housing needs. With the ability to borrow up to 80% of the property value, U.S. expats can obtain a home loan with a Loan To Value (LTV) ratio of up to 80%. This means that expats can access a significant portion of the property’s value to fund their home purchase.

One of the key features of U.S. Expats home loans is the flexibility in income sources. Expats can use their foreign income to qualify for the loan, which will be converted from foreign currency to USD using an FX conversion. A portion of the USD income can be used for borrowing purposes, making it easier for expats to meet the income requirements.

  • Borrow up to 80% value
  • Borrow using foreign income
  • Use self-employed income
  • Home loan purpose

Additionally, self-employed expats who run businesses overseas can also use their business income for borrowing purposes. To support their loan application, expats will need to provide full financial statements and an accountant’s letter as supporting documents. If any of the documentation is presented in a language other than English, translation will be required to ensure clear communication between the borrower and the lender.

U.S. Expats home loans can be used for a variety of purposes, including purchasing a new investment property, refinancing existing mortgages, accessing existing equity, or constructing a new property. This flexibility allows expats to meet their housing needs, whether they are looking to invest in real estate or secure a home for themselves and their families. With U.S. Expats home loans, American expatriates can navigate the complexities of the housing market with confidence and ease.

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