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Market Fundamentals Driving Growth
Despite higher interest rates, several strong fundamentals indicate a robust market ahead. The U.S. continues to face a persistent housing shortage estimated at 5 to 7 million homes, which is fueling price appreciation. According to the National Association of Realtors (NAR), home prices are expected to rise by around 4% in 2026 amid tight inventory and steady job creation. Foreign investment surged by 44% last year, with international buyers spending $56 billion, particularly in top markets such as Florida, California, Texas, New York, and Arizona.
More than 65% of U.S. homeowners currently have mortgages with rates under 5%, which keeps available housing supply restricted and prices stable. Analysts expect further gains as the Federal Reserve eases quantitative tightening and liquidity returns to the market.
Technology and Economic Growth Boost Demand
The U.S. economy is benefiting from the ongoing AI and technology boom, projected to create between 800,000 and 2.3 million new jobs over the next decade. This growth is expected to stimulate housing demand in key metropolitan areas including California, Texas, New York, and Florida. A PwC report highlights that AI could add over $15 trillion to the global economy by 2030, further supporting employment and real estate markets in the U.S.
Why Timing Is Critical
Waiting for interest rates to fall may result in missing an advantageous buying window. As rates eventually drop, competition and prices are likely to surge. Acting now allows investors to secure properties at current prices, refinance later at potentially lower rates, and benefit from both price appreciation and growing rental yields. With about 97% of loan applications from qualified buyers approved in 24 to 48 hours, speed and certainty provide a real advantage for investors.
Financing Solutions Tailored for Overseas Buyers
America Mortgages stands out as the only U.S. lender exclusively focused on foreign nationals and expatriates. They offer unique loan products unavailable through traditional U.S. banks, including:
- Rental Coverage Loans qualifying with rental income, up to 75%-80% loan-to-value (LTV).
- Expat Loans using foreign-earned income without requiring U.S. tax returns.
- Asset-Based Loans qualifying through liquid assets, ideal for high-net-worth individuals.
- Global Bridging Loans providing fast liquidity access worldwide with funding in 5 to 10 days.
All applications are handled online with multilingual loan officers working in your timezone. No U.S. residency, travel, or Social Security Number is necessary.
Smart Investment Approach: The Cash ATM Model
Many foreign investors use a proven strategy involving:
- Purchasing property with a 75% LTV loan at around 7% interest.
- Earning approximately 10% rental yield to cover mortgage costs.
- Refinancing after 3 years to pull out equity post-appreciation while retaining ownership.
This creates a self-funding, cash-flow-positive portfolio that can scale across the U.S.
Full Support for International Investors
America Mortgages supports clients throughout the investment process with real-estate agent and property manager referrals, guidance on tax and LLC setup (often in Wyoming), an online loan tracking portal, and 24/7 global assistance, helping investors build transparent, sustainable U.S. real estate portfolios.
Act Now to Capture Growth
With historically low housing inventory, rising foreign demand, and anticipated interest rate cuts in 2026, the market currently favors proactive buyers. Market confidence and momentum are returning swiftly, supported by policies that traditionally encourage economic growth and real estate investment.
Foreign investors seeking to benefit from these conditions should consider starting with a quick pre-approval to position themselves ahead of the next wave of buyers.