US Mortgage Loans for Chinese Citizens

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US Mortgage Loans for
Chinese Citizens

Low % Foreign Loans

No US Visa Required

Minimal Documentation

Our alternative mortgage solution

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Embark on your journey to homeownership or investment in the US with tailored solutions designed specifically for Chinese individuals. Our suite of offerings caters to diverse needs, whether you’re self-employed, managing high debt, or seeking low-documentation options.

Discover innovative pathways such as our Asset Depletion Programs, which consider assets rather than just income, enabling qualification even with significant debt burdens. Additionally, our Hard Money Loans and Bridge Loans offer flexible financing solutions, perfect for those seeking quick investment opportunities…

Herman Li

Lead Consultant

Comparing Mortgage Loans

Traditional Bank Mortgage Loan

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Our featured loan programs for chinese citizen

Effortless Homeownership

Invest in US Property

Ditch the Banking Hassle. Invest Smarter

Unlock prime property in California, Florida, New York, San Francisco, or Boston hassle-free with Alternative Mortgage’s Limited Doc and Quick TAT solutions

Bank Denied Your Foreign National Mortgage?

Ditch the Banking Hassle. Invest Smarter

Unlock your path to homeownership as a foreign national with our specialized mortgage solutions. Say goodbye to obstacles and hello to your new front door

Our strategic way to get you the best loan

Lite Doc

Ideal for investors needing minimal documentation, suitable for first-time investors or those prioritizing simplicity.

Loan on Bank Statement

Tailored for self-employed borrowers, it exclusively serves self-employed individuals, assessing income through 12 or 24 months of bank statements

Rental Portfolio Program

Tailored for seasoned investors, enables them to acquire or refinance multiple residential properties with a single loan

Cross Collateralization

Leveraging multiple assets to mitigate lender risk and potentially secure more favorable terms for property acquisition.

Full Documentation

Mortgages with comprehensive documentation including foreign tax returns and W-2 equivalents

Asset Depletion

Tailored for borrowers with high debt-income ratios, it calculates monthly income based on assets, enabling qualification for mortgages.

Bridge Loan

Short-term financial solutions primarily designed to overcome temporary funding shortfalls when purchasing or refinancing real estate

Debt Service Coverage Ratio (DSCR)

Compares a property’s Net Operating Income (NOI) to its total debt service payment

Fix-and-Flip Bridge Loan

Bridge loans for 1- to 4-unit properties, facilitating purchase or rehabilitation for resale, leveraging real estate for profit.

Why invest in us property?

The US real estate market offers stability, potential for appreciation, and diverse investment opportunities. With a strong legal framework, transparent transactions, and a history of steady growth, investing in US property provides a secure and profitable avenue for wealth creation.

Additionally, Chinese citizens have collectively invested over $13.6 billion in US real estate between April 2022 and March 2023, reflecting its attractiveness as a global investment destination. Let us help you unlock the potential of the US real estate market and turn your investment dreams into reality.

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