Turnkey Solution for U.S. Property Investors Regardless of Their Passport

1. Turnkey Solution for U.S. Property Investors Turnkey Solution for U.S. Property Investors — — Regardless of Their Passport Regardless of Their Passport Buying U.S. property as an overseas investor shouldn’t feel out of reach or overwhelming. With the right guidance and structure, obtaining a U.S. mortgage is not only possible, it’s easier than you think. That’s why we’ve built a completely turnkey solution tailored to foreign national and U.S. expat investors, so you can invest with confidence, ease, transparency and the full support of an experienced and knowledgeable team, every step of the way. A Seamless Mortgage Experience As a direct lender and super broker, we have one focus at America Mortgages — providing market-rate U.S. mortgage loans for non- U.S. residents, both foreign nationals and U.S. expatriates. As a matter of fact, this is all we do, and I firmly believe no one does this better. Whether it’s your first purchase or part of a diversified global portfolio, having viable fixed-rate options is crucial to your success as a global investor. From a no-cost or obligation pre-approval to a successful close, our team handles everything in-house, no third-party delays, no confusion, just clear communication and fast turnaround times. Loan Programs Designed for Global Buyers If you’ve ever tried to go to a large institutional U.S. bank to obtain a U.S. mortgage, you’ll immediately understand why America Mortgages was founded. Our mortgage solutions are designed to work around the limitations of traditional banks. If you’re a non-U.S. passport holder, you don’t need a U.S. credit score or a previous U.S. footprint. If you’re a U.S. expat, you still need to have U.S. credit, however, no W2 is required and foreign earned income is allowed.

2. AM Rental Coverage+ Loan This is our most popular program for investors. It’s based on common sense underwriting. We qualify you based on the rental income of the property, not your personal income. If the rent covers the mortgage, you’re approved. It’s that simple. Does there need to be a renter in place when you buy the property? No, a tenant is not required at the time of purchase or refinance, if the property is vacant we will determine the market rent in the appraisal of the property. Key Loan Program Details: Property Type: 1–4 unit properties Minimum Loan Amount: US$100,000 Loan-to-Value: Up to 80% for purchases and 70% for cash-out refinances Underwriting:Based on the property’s rental income, with no personal income required Credit Requirements: No U.S. credit required (foreign national) Closing Time: Quick, with closings in 30–45 days AM Second Home Loan Program A home that will be used for part-time personal use or full-time use for a family member would be classified as a second home. Second homes are underwritten to the borrower’s personal income. Key Loan Program Details: Property Type: 1–4 unit properties Minimum Loan Amount: US$200,000 Loan-to-Value: Up to 80% for purchases and 75% for cash-out refinances Underwriting: Based on borrowers’ personal income. Foreign income is acceptable Credit Requirements: No U.S. credit required Closing Time: Quick, with closings in 30–45 days How You Qualify for an Investment Property America Mortgages uses a common sense underwriting approach. This mortgage loan structure has been created to help foreign nationals and U.S. expats, focusing on the property’s rental

3. income instead of relying on U.S. income documentation. This makes it easier for U.S. expat and foreign national investors to get qualified. We offer financing across all 50 states, with loan amounts starting from US$100,000 and loan- to-values (LTVs) up to 80%. Trusted Partners to Simplify the Process Investing in U.S. real estate isn’t just about the mortgage; it’s about everything that comes with it. That’s why we’ve partnered with industry experts to ensure your entire investment journey is covered. Finding The RIGHT Property: Our partner, Newzip, connects international buyers with top- rated, investor-friendly real estate agents across the U.S. They’ll match you with experienced local agents who understand the unique needs of foreign buyers and guide you through every step of the process. Plus, you’ll receive 0.5% of the purchase price toward your closing costs when you buy through a Newzip agent. Insurance: Our insurance partner, Steadily, specializes in covering rental properties owned by non-resident investors. They offer comprehensive and affordable coverage options tailored to your needs. LLC Setup:We’ve partnered with Nobility Consulting, experts in LLC formation for international investors. They’ll help you structure your U.S. property purchase for tax efficiency, asset protection, and estate planning. Money Transfer: Halo Financial is our trusted currency transfer partner. They help clients move funds securely and cost-effectively with excellent exchange rates and lower fees than traditional banks.

4. Property Management: We connect you with experienced property management companies across the U.S., including trusted partners Austplan Management and Bridgewater. They manage leasing, maintenance, and tenant relations so your investment stays hassle-free. They handle everything from tenant screening to maintenance and rent collection, ensuring your property is professionally managed while you focus on building your portfolio. U.S. Taxes: Our tax partner, AITAX, works exclusively with foreign nationals and U.S. expats. They ensure you remain fully compliant with U.S. tax requirements and help you structure your investments tax-efficiently. Let’s Make It Happen With America Mortgages, you get more than just a loan; you get a partner who understands the unique aspects overseas investors face when investing in U.S. real estate. Let us help you build wealth in the U.S. with a financing solution that’s truly built around you. Whether you’re purchasing a single-family rental in Florida or a multi-unit investment property in Texas, our team is here to guide you every step of the way. Schedule a call with a loan officer to explore how our financing solutions can support your investment goals Call us directly 24/7 at +1 (845) 583-0830 for immediate assistance Email us at hello@americamortgages.com Visit www.americamortgages.com to learn more about our programs and partners