Welcome to
International mortgages.net
With over 25 years experience in Foreign National and Investment Mortgages, we can assist you in finding the best possible mortgage.
About Us
We specialize in Foreign National, Investment and Commercial Mortgages, for property in USA, for both purchase and refinance. With over 25 years’ experience in this market, we can assist in finding the most suitable mortgage or loan, tailored to your needs.
When considering the purchase of a property, preparation is key. We can assist in establishing your budget, deposit requirements, cost of finance, legal fees, insurances, and tax obligations.
For an initial discussion, please contact us, where one of our representatives will contact you within 24 hours.
Many sellers will not accept an offer, unless it can be proven funding is in place or has been Pre-Approved. For the purchase of a re-sale property, the closing date will typically be set at 30-45 days after the signing of the sales contract, and some contracts may impose financial penalties for late closing/completion. Appointing a lawyer, who is qualified in local law, may pay dividends at this stage.
Mortgages on property abroad are normally available to a maximum of 70% loan to value and for up to 30 years, although there are exceptions to this. There are not normally age restrictions on mortgages on US property, however for some other countries the term may be to age 70 or 75. Mortgages are normally based on affordability and suitable proof of income will be required. As a rule, the debt to income ratio should not exceed 36%, although there are exceptions to this. For some loans, limited documentation is required. To see current lending criteria, please contact us.
The mortgage secured against the property, can be in local currency, or in some cases multi-currency mortgages are available. The currency in which the mortgage is arranged would normally be determined by the currency of the income being used to fund it. A qualified representative will go through the options and advise on which is the most suitable mortgage program.
A local bank account will normally need to be opened, to enable the payment of local taxes, utility bills etc. Some lenders also require six months mortgage payments to be held in your account. You may also be required to have your deposit and closing costs seasoned. This means that you will need to show where the funds have come from, usually covering the last 60 day period.
Services
Mortgages so simple, you see what you get.
For the Purchase and Refinance of Property in USA by Foreign Nationals or Investors
- Using Foreign Income and Assets to qualify
- No SSN Required
- No Visa Required
- No Proof Income Required on Investment Property
- Up to 80% loan to value for Foreign Nationals with qualifying visa
We offer a range of Commercial and Bridge Loans designed to empower investors with tailored solutions for:
- Fix & Flip, Fix to Rent, Ground Up Construction
- Office, Retail, Multi Family, Self-Storage
- Mixed Use, Restaurants, Mobile Home Parks
- Industrial, Warehouse
- Senior Housing, Assisted Living
We offer a range of Loans designed to empower investors with tailored solutions for:
- Foreign National and Investor
- Cash-Out
- Jumbo Loans up to $10 million
- Bank Statement 12 or 24 months
- Self-Prepared Profit and Loss / No Tax Returns
- Interest Only
How it Works
Mortgage Loan Process in 4 Steps
Initial Consultation- This would be the first introduction of our company, and to then guide you through the process of purchasing a property in the USA, this would include calculating your budget, and receiving a Pre-Approval Certificate. The Certificate will allow you to shop the market and put forward an offer once you find your perfect home.
Document Collation- At this stage, we require proof of I.D, income, assets, and credit. It is now also a good time to open a US bank account and register with a Currency Exchange Company.
Evaluation & Approval- The loan will be submitted to underwriting for a formal approval. The appraisal/valuation ordered, and Title/Closing Agent instructed. Home Insurance put into place and funds converted into US Dollars.
Disbursement Process- The loan documents are prepared. At closing, you can sign in person, in the USA, in your home country with a Notary and Hague Apostille, a US Embassy or Consulate or in some cases a remote online Notary.
Currency Exchange
If you are buying a property in USA, it is very likely that at some stage you will need to convert funds into US Dollars for the deposit and closing costs.
We have partnered with OFX who have over 25 years’ experience in Currency Exchange and offer over 50 currencies.
To register please click here for further information. That sets you up with an account to transfer money. Once you register a dealer will give you a call and walk you through how to make a payment and finalise the opening of the facility.
To make a trade you:
- Get a quote and accept (if you like the rate)
- Enter the details of where you want the funds paid to (online or email details)
- Transfer your funds to OFX
- They pay the US Dollars to the nominated account from their US accounts the same day they receive the funds from you.
Once your registered you can trade, get rate alerts, or book forward contracts (fix the rate today for transfer up to one year later) to protect you against further falls during the completion process. The essence of the service is to offer you much better rates than the bank or other providers – they can do this because they pass the rates they get (due to the volume of payments we send – $17bln per year) on to our customers for a fraction of the margin a bank would. You can register and speak with someone anytime; they are available 24 hours.
Meet The Team
Andy Scott, co-founder of International Mortgages.Net. Over 25 years’ experience in financial services, in both UK and USA. We are ideally located in Central Florida, with a great handle on the market, providing high quality mortgage advice and great customer service.
Lisa Scott, co-founder of International Mortgages.Net. Over 25 years’ experience in customer relations, in both UK and USA. You will find Lisa working diligently behind the scenes providing our clients with a seamless experience during the mortgage process.
Get in Touch
International Mortgages.Net, 9011 Mossy Oak Lane, Clermont, FL 34711, United States of America
Telephone: USA +1 352 708 4084
WhatsApp USA: +1 407 668 6736
Quick Contact
Testimonial
Client Feedback
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"I had an exceptional experience working with MortgaVista for my home loan. Their team guided me through the entire process, answering all my questions and ensuring a smooth and hassle-free application. Thanks to their expertise, I secured a great mortgage rate and now I'm living in my dream home. Highly recommended!"
"MortgaVista made the mortgage process simple and stress-free. Their knowledgeable team provided me with personalized guidance, helping me understand my options and choose the right loan for my needs. They were responsive and professional throughout, and I couldn't be happier with the results. Thank you, MortgaVista!"
"I am extremely grateful to MortgaVista for their exceptional service. They went above and beyond to ensure I received the best mortgage terms possible. The team was attentive, detail-oriented, and provided timely updates at every stage. I highly appreciate their expertise and dedication. MortgaVista is the go-to solution for anyone seeking reliable mortgage services."