Manhattan · Miami · Palm Beach · Naples · Los Angeles · San Francisco · Silicon Valley · Palo Alto · Santa Monica · Dallas · Houston · Austin · Boston · Scottsdale · Nashville

Borrowers: Foreign nationals · US expats · HNWIs · Family offices · Private equity · Developers | Loans from USD 500,000 to USD 50,000,000+

Quick Answer: A US real estate bridge loan is a short-term (6–24 month), asset-secured loan that lets international investors close on US property in 7–21 days — with no US tax returns required. GMG and its affiliate America Mortgages arrange bridge loans from USD 500,000 to USD 50,000,000+ across all 50 states, including Manhattan, Miami, Palm Beach, Los Angeles, San Francisco, Dallas, Austin, Boston, and beyond. Foreign nationals are fully eligible. Rates from 8.99% p.a. in 2026.

Introduction

The best US real estate deals do not wait for bank committees. They wait for no one.

In Manhattan, a pre-war co-op or trophy penthouse can attract five competing offers within days of listing. In Miami's Brickell corridor, a waterfront development site with planning consent can move from listing to accepted offer in under a week. On Palm Beach's North End, oceanfront estates change hands quietly, off-market, between buyers who had their financing arranged before they ever made an offer.

For international investors — HNWIs, family offices, private bank clients, and developers based in Asia, the Middle East, Europe, and Latin America — the structural disadvantage has always been the same: financing speed. A conventional US bank mortgage takes 45 to 90 days and requires US tax returns, domestic income verification, and documentation that overseas investors simply cannot produce.

A US real estate bridge loan closes that gap. With close timelines of 7 to 21 days, no US tax return requirement, and asset-based underwriting that prioritises the property over the borrower's paperwork, bridge financing gives international buyers competitive parity with the fastest domestic buyers in the market.

This guide covers the fifteen US markets where GMG and America Mortgages most frequently arrange bridge financing for international clients — organised by market type, with city-specific intelligence on why bridge loans are used, what deal types they finance, and how local market dynamics interact with short-term lending. It is written for overseas investors, family offices, private bank advisors, and client relationship managers who want a single authoritative reference on US bridge lending by market.

What Is a US Real Estate Bridge Loan?

A US bridge loan — also called a transitional loan or hard money loan — is a short-term, first-lien loan secured against US real property. It bridges the gap between an investor's immediate capital need and a longer-term solution: a conventional mortgage, a DSCR loan, or the sale of the asset.

The underwriting is asset-first. The lender's primary questions are: what is the property worth, and what is the exit strategy? The borrower's nationality, tax jurisdiction, and domestic banking relationships are secondary considerations.

Key parameters for 2026:

— Loan size: USD 500,000 to USD 50,000,000+ — Term: 6 to 24 months — LTV: Up to 70–75% (65–70% for foreign nationals) — Interest rate: From 8.99% p.a. (market range: 8%–14.5%) — Origination fee: 1–2 points — Close timeline: 7–21 days — Foreign nationals: Fully eligible — no US tax returns required

Unlike a conventional mortgage, a bridge loan is not assessed on your income, employment history, or IRS filings. It is assessed on the asset and the exit. This makes it uniquely well-suited to international investors, foreign nationals on US work visas, family offices, and anyone who holds wealth outside the US tax system.

The Financing Continuum: Bridge to Permanent

Bridge loans and permanent financing are not alternatives — they are sequential. The optimal strategy for most international investors: close fast with a bridge loan, stabilise or refurbish the asset, then refinance to permanent financing through America Mortgages — the only US mortgage lender focused exclusively on overseas borrowers.

GMG Bridge Loan Close: 7–21 days | Borrowers: All nationalities, foreign nationals fully eligible | Documentation: Asset/equity-based, no US tax returns | Max LTV: Up to 70–75% | Interest: Rolled up or current pay | Best for: Acquire fast, reposition, time-sensitive deals

America Mortgages (Permanent) Close: 30–45 days | Borrowers: US citizens and foreign nationals | Documentation: Income or DSCR | Max LTV: Up to 80% | Interest: Monthly | Best for: Long-term hold for overseas borrowers

Conventional US Mortgage Close: 45–90 days | Borrowers: US citizens and permanent residents preferred | Documentation: Full income verification | Max LTV: Up to 80% | Interest: Monthly | Best for: Long-term hold for domestic borrowers

Who Is Buying US Real Estate Overseas — and Where

Before going city by city, it helps to understand the scale. Foreign buyers purchased USD 56 billion worth of US existing homes between April 2024 and March 2025 — 78,100 transactions representing some of the most significant cross-border capital flows in global real estate. Florida leads all states with 21% of foreign purchases, California is second at 15%, Texas third at 10%, and New York fourth at 7%.

The buyer base spans every major source of global private wealth: Chinese, Hong Kong, and Taiwanese capital in California and New York; Latin American — particularly Brazilian, Argentine, Colombian, and Mexican — capital in Florida and Texas; Canadian buyers across Florida, Arizona, and the Pacific Northwest; Middle Eastern family offices in New York, Los Angeles, and Miami; European buyers across Florida, New York, and the Pacific Coast; and Indian and South Korean buyers increasingly active in Texas and California.

What unites all of these buyer groups in the premium segments is a common financing challenge: they are wealthy, the asset is strong, the deal is good — but they cannot produce the US tax returns and domestic income documentation that American banks require. Bridge financing solves this structurally, not as a workaround, but as the purpose-built product for exactly this borrower profile.

Tier 1: HNWI and Ultra-Wealth Lifestyle Markets

These are the markets where overseas buyers are paying the most, acquiring trophy and lifestyle assets, and prioritising wealth preservation and capital appreciation alongside quality of life. Bridge financing is most commonly used in these markets for speed, competitive positioning, and documentation flexibility.

Manhattan, New York

Manhattan is the global default for ultra-prime US real estate. Trophy condominiums, pied-à-terres, and full-floor residences in buildings such as 432 Park Avenue, 220 Central Park South, and One57 trade from USD 10 million to over USD 100 million. The co-op and condo market attracts sustained capital from Asian buyers — primarily from China, Hong Kong, South Korea, and India — as well as Latin American and European wealth.

New York attracts 7% of all foreign buyer purchases in the US, with the buyer base concentrated primarily in Asia and Latin America. Vacancy rates in Manhattan and Brooklyn remained constrained into 2026, supporting rental yield and long-term appreciation for investment buyers. Foreign families also frequently purchase near NYU, Columbia, and Cornell Tech for children studying in the city, with properties converting to rentals or resale after graduation.

Why bridge financing: Manhattan's co-op board approval process — typically 60 to 120 days — means bridge financing is used to secure purchase contracts and fund the gap while approval is awaited. Foreign nationals overwhelmingly select condos rather than co-ops (co-ops require US tax returns and are effectively inaccessible to overseas buyers), and bridge loans are used to close on condos while permanent financing is arranged. Time-sensitive off-market transactions — common in the USD 5M–50M range — are the primary bridge loan driver.

Common deal types: Ultra-prime condo and co-op acquisition; pre-development site control; 1031 exchange completions; equity release on unencumbered Manhattan assets; short-term liquidity for HNWI buyers awaiting asset liquidation overseas.

Typical loan range: USD 2,000,000 – USD 50,000,000+

Miami, Florida

Miami has established itself as one of the top five global luxury real estate markets, with sustained capital inflows from Latin America, Europe, the Middle East, and Asia. Brickell, Coconut Grove, Miami Beach, Bal Harbour, and Surfside are the primary HNWI submarkets. No state income tax, a USD-denominated asset, and strong short-term rental yields make Miami a natural family office allocation. The foreign buyer share in South Florida is five times larger than the US national average.

The ultra-luxury segment is experiencing significant growth, with Miami on pace to set records for USD 10 million and above home sales. Cash deals dominate, reflecting the confidence of international buyers — and the fact that many overseas buyers simply cannot access conventional financing, making bridge loans the natural instrument for those who want leverage.

GMG has completed transactions in this market including a USD 24 million waterfront bridge loan at 75% LTV, closed in 13 days for a Hong Kong investor who needed liquidity to fund a business acquisition and did not want to wait 45 days for a private bank process.

Why bridge financing: Miami's velocity — particularly for waterfront, pre-construction, and distressed luxury assets — means deals are won or lost on financing speed. The concentration of foreign national buyers in the USD 3M–50M segment makes bridge financing structurally necessary for any leveraged acquisition.

Common deal types: Waterfront residential acquisition; pre-construction deposit bridging; condo portfolio refinancing; distressed luxury asset acquisition; equity release on Miami Beach properties; 1031 exchange completions.

Typical loan range: USD 1,000,000 – USD 50,000,000+

Palm Beach, Florida

Palm Beach is not Miami. It is a structurally different market — smaller, more private, more deliberate — and it deserves its own entry in any serious guide to international HNWI real estate.

Where Miami is a volume market with a broad international buyer base, Palm Beach is a concentration-of-wealth market. Worth Avenue, the North End oceanfront corridor, and the estates flanking the Intracoastal Waterway attract a specific buyer profile: ultra-HNWIs and family offices from Brazil, Argentina, the UK, Switzerland, the Middle East, and increasingly from Asia, acquiring primary residences, winter compounds, and trophy oceanfront estates in the USD 10M–USD 100M+ range.

The post-COVID migration of significant US domestic wealth to Palm Beach — hedge fund managers, private equity principals, technology founders — has driven median prices to levels that now rival Manhattan on a per-square-foot basis for waterfront stock. This has in turn drawn increased international attention from overseas buyers who recognise Palm Beach as a genuinely scarce asset class: a small island, limited new supply, no state income tax, and a buyer community that values privacy and discretion above all else.

Why bridge financing: Palm Beach's off-market nature means that when properties become available — typically through private networks rather than public listings — they move on compressed timelines. Buyers who cannot demonstrate immediate financing capacity are passed over. Bridge loans provide the certainty of close that sellers in this market require.

Common deal types: Oceanfront estate acquisition; trophy residential compound purchase; equity release on unencumbered Palm Beach property; family office US lifestyle asset allocation; 1031 exchange completions from other Florida markets.

Typical loan range: USD 3,000,000 – USD 75,000,000+

Naples, Florida

Naples is the quieter, older-money Florida alternative — and the preferred destination for a specific international buyer profile that has less overlap with Miami's Latin American and young HNWI concentration. European buyers, particularly from the UK, Germany, and Scandinavia, alongside Canadian retirees and Northeastern US domestic wealth, have made Naples one of the most consistent foreign buyer markets in the state.

Port Royal, Aqualane Shores, and the Gulf-front corridor offer ultra-prime waterfront stock at values that, while significant, remain more accessible than Palm Beach's top end. Golf community properties — particularly in exclusive clubs such as Quail West and Grey Oaks — are a distinct asset class attracting international buyers seeking a managed lifestyle property with strong rental income potential during the winter season.

Why bridge financing: European and Canadian buyers in Naples frequently arrive with wealth held in non-US structures — UK trusts, German GmbHs, Canadian holding companies — that cannot be quickly converted to US-format income documentation. Bridge loans accommodate these structures while permanent DSCR financing is arranged.

Common deal types: Gulf-front residential acquisition; golf community estate purchase; seasonal rental investment property; equity release on existing Naples waterfront assets; Canadian and European lifestyle buyer acquisition.

Typical loan range: USD 750,000 – USD 20,000,000+

Los Angeles, California (Bel Air, Beverly Hills, Malibu)

Los Angeles is one of the world's deepest HNWI residential markets. Ultra-prime stock is concentrated in Bel Air, Beverly Hills, Holmby Hills, Malibu, and the Bird Streets. The USD 10M–USD 100M+ residential segment is among the most internationally active in the US, with buyers from China, South Korea, the UK, the Middle East, and Latin America consistently competing for limited supply.

California ranks second nationally for foreign buyer purchases at 15%, with more than half of California's foreign buyers coming from Asia. Los Angeles has at various points ranked ahead of New York as the top US city for total foreign investment by volume, driven by the combination of ultra-prime residential depth and significant commercial real estate activity.

GMG completed a USD 75 million land acquisition bridge loan in the Bel Air area in 14 days for a developer who needed to close before a competing bid from a public REIT was accepted. Traditional construction lenders would not lend on the site without full planning and permits — a process requiring six months or more.

Why bridge financing: The combination of extreme asset values, international buyer concentration, and competitive bidding on ultra-prime stock makes LA one of the most bridge-loan-intensive markets in the US for foreign national buyers. Documentation flexibility is critical: buyers from China, South Korea, and the Middle East cannot produce US income verification.

Common deal types: Ultra-prime residential acquisition; spec home development financing; entitled land acquisition; celebrity estate and compound financing; equity release on unencumbered LA residential assets.

Typical loan range: USD 2,000,000 – USD 75,000,000+

Santa Monica, California

Santa Monica — and the broader Silicon Beach corridor encompassing Venice, Playa Vista, and Marina del Rey — combines LA's HNWI residential depth with a distinct international corporate and technology orientation. Snap, Google, and numerous European and Asian-headquartered firms have established operations here, creating a base of internationally mobile executives and entrepreneurs who frequently arrive in the US without the domestic tax history required for conventional financing.

Beachfront and ocean-view residential stock is structurally constrained. Buyers relocating from Asia or Europe for technology roles close on coastal property immediately with bridge financing, transitioning to permanent mortgages after 12 to 18 months of US income history.

Why bridge financing: International tech executives and entrepreneurs on US work visas cannot access conventional financing without 2 years of US tax returns. Bridge loans close the gap between arrival and eligibility.

Common deal types: Coastal residential acquisition for international executives; beachfront and ocean-view asset purchase; Silicon Beach corporate relocation financing; equity release on Santa Monica property.

Typical loan range: USD 1,500,000 – USD 20,000,000+

Tier 2: High-Growth Investment and Yield Markets

These are the markets where overseas buyers are deploying capital for rental income, capital appreciation, and portfolio diversification — often at price points that are more accessible than Tier 1 while offering superior yield profiles and stronger demographic tailwinds.

San Francisco, California

San Francisco's residential market is defined by extraordinary supply constraint — the city's geography and zoning make new development exceptionally difficult — combined with intense demand from technology sector wealth. Pacific Heights, Noe Valley, the Marina, and Sea Cliff are the primary HNWI neighbourhoods.

The commercial real estate market has undergone significant repricing since 2022, creating opportunistic entry points for value-add international investors who can move quickly. Commercial bridge financing — for office repositioning, mixed-use conversion, and multifamily acquisition — has been particularly active in this repricing environment.

Why bridge financing: Tech founders and startup executives — a significant proportion of whom are foreign nationals on H-1B or O-1 visas — use bridge loans to acquire property while equity positions in private companies remain illiquid. Commercial investors use bridge financing to move on repriced assets before competition intensifies.

Common deal types: Residential acquisition in constrained prime neighbourhoods; commercial real estate opportunistic purchase at discounted valuation; tech founder property purchase pending liquidity event; 1031 exchange completions.

Typical loan range: USD 1,500,000 – USD 30,000,000+

Palo Alto and Silicon Valley, California

Palo Alto consistently ranks among the most expensive residential markets in the United States on a price-per-square-foot basis, with median home prices exceeding USD 3.5 million. The buyer pool is overwhelmingly technology sector: founders, executives, engineers, and venture capitalists, a significant proportion of whom are foreign nationals on US work visas or recent green card holders with non-traditional income documentation.

The non-traditional income profile of Silicon Valley's buyer pool makes bridge financing structurally necessary for a large segment of would-be buyers. Foreign nationals on H-1B, L-1, and EB-5 pathways frequently cannot produce the W-2 employment history or federal tax return sequence required by conventional lenders. Bridge loans — assessed entirely on asset value and exit — allow these buyers to close competitively while documentation normalises.

Why bridge financing: The visa-constrained buyer profile is the defining dynamic. Bridge financing is not a luxury in this market — for a large proportion of the buyer pool, it is the only viable path to leveraged acquisition.

Common deal types: Tech founder and executive residential acquisition; foreign national on-visa home purchase; equity release pending liquidity events (IPO, secondary sale, RSU vesting); 1031 exchange completions.

Typical loan range: USD 1,500,000 – USD 20,000,000+

Dallas, Texas

Dallas has emerged as one of the most active US real estate markets for institutional and private capital, driven by sustained corporate relocation — Toyota, Goldman Sachs, Charles Schwab, and dozens of others have moved headquarters to the Dallas-Fort Worth area — population growth, and a business-friendly regulatory environment with no state income tax.

Texas accounts for 10% of all foreign buyer purchases nationally, with strong demand from buyers in Mexico, India, and increasingly from Asian institutional capital attracted by higher cap rates versus coastal markets. Highland Park, University Park, Preston Hollow, and Uptown are the primary HNWI residential submarkets. The commercial real estate sector — particularly multifamily, industrial, and office repositioning — is highly active.

Why bridge financing: Dallas's growth velocity and commercial market depth make it a natural bridge lending market. Multifamily value-add acquisitions, commercial repositioning plays, and time-sensitive residential purchases in high-demand suburban corridors all drive bridge loan demand.

Common deal types: Multifamily value-add acquisition; commercial real estate repositioning; corporate relocation residential purchase; Highland Park and Preston Hollow luxury residential acquisition; industrial and logistics bridge financing.

Typical loan range: USD 750,000 – USD 30,000,000+

Houston, Texas

Houston is the commercial and industrial complement to Dallas's corporate relocation story. The energy sector, the Texas Medical Center — the largest medical complex in the world — and the Port of Houston create a diversified economic base that supports sustained real estate demand across residential and commercial sectors.

International buyers in Houston skew toward energy sector professionals and executives — many from the Middle East, Latin America, and Southeast Asia — as well as medical professionals and academics associated with the Medical Center. The River Oaks neighbourhood offers Houston's deepest HNWI residential stock.

Why bridge financing: Energy sector buyers — often on assignment visas or transitioning between international postings — frequently arrive without US tax documentation. Bridge financing accommodates these profiles while permanent financing is structured.

Common deal types: Energy executive residential acquisition; River Oaks luxury home purchase; medical professional property financing; multifamily and commercial investment; industrial asset bridge financing.

Typical loan range: USD 500,000 – USD 20,000,000+

Austin, Texas

Austin has undergone one of the most dramatic urban transformations in recent US real estate history. The relocation of Tesla's global headquarters, the expansion of Apple, Samsung, and dozens of technology firms, and sustained migration from California and the Northeast have created structural residential and commercial demand that outpaces supply. Lake Travis, Westlake, and Tarrytown are the primary HNWI residential submarkets.

International investors — particularly from Asia — are increasingly targeting Austin's multifamily sector for what remain attractive yields relative to coastal markets. GMG has completed bridge transactions on Austin multifamily assets for Asian institutional clients who needed to close before competing bids from domestic REITs arrived.

Why bridge financing: Tech-sector buyers on US work visas, international multifamily investors seeking yield, and domestic buyers from California relocating without immediate Texas banking relationships all drive bridge loan demand.

Common deal types: Tech-sector residential acquisition; multifamily value-add bridge financing; foreign national on-visa home purchase; 1031 exchange completions; commercial acquisition during rapid market growth.

Typical loan range: USD 750,000 – USD 25,000,000+

Boston, Massachusetts

Boston is the US centre of the life sciences, biotechnology, and academic institutional economy, with Harvard, MIT, and a dense cluster of world-leading medical and research institutions anchoring sustained demand for high-quality residential and commercial real estate. Beacon Hill, Back Bay, the South End, and Cambridge are the primary HNWI residential submarkets.

Boston's concentration of international academic and research professionals — many on J-1, F-1 OPT, or H-1B visas — creates structural demand for bridge financing among buyers who cannot access conventional mortgage products due to visa-category documentation restrictions. The life sciences commercial real estate market — Kendall Square and the Seaport District — has attracted significant capital from Asia and Europe and is one of the most internationally active commercial sectors in the country.

Why bridge financing: International academics, researchers, and biotech executives on temporary visas cannot produce US tax return sequences. Bridge loans close on asset value and exit alone, making them the natural financing instrument for this buyer profile.

Common deal types: International academic and researcher residential acquisition; life sciences commercial real estate purchase; Beacon Hill and Back Bay luxury residential acquisition; Cambridge investment property financing; biotech executive home purchase.

Typical loan range: USD 1,000,000 – USD 25,000,000+

Scottsdale and Phoenix, Arizona

Arizona accounts for 5% of foreign buyer purchases nationally, with Canadian buyers historically dominant — Scottsdale and the broader Phoenix metro has long been a primary destination for Canadian snowbirds and lifestyle investors seeking warm winters, golf, and lower cost of living than California. This base is now expanding to include Middle Eastern and European buyers attracted by resort lifestyle assets, and Asian investors targeting the multifamily sector.

Scottsdale's luxury residential market — Old Town, Paradise Valley, and the North Scottsdale resort corridor — offers HNWI buyers a genuine lifestyle proposition at price points that remain materially lower than coastal markets. The short-term rental market in the Phoenix metro is among the most active in the country, driven by year-round tourism and major event traffic.

Why bridge financing: Canadian buyers — who often hold wealth in Canadian-structure accounts and cannot produce US income documentation — are the primary bridge loan user in this market. Resort and vacation rental property acquisitions, where speed and competitive positioning matter, are the most common use case.

Common deal types: Canadian buyer lifestyle property acquisition; resort and vacation rental investment; Paradise Valley luxury residential purchase; multifamily acquisition; short-term rental portfolio financing.

Typical loan range: USD 500,000 – USD 15,000,000+

Nashville, Tennessee

Nashville is the emerging market of the group — an city that has moved from regional growth story to legitimate HNWI and institutional real estate destination. No state income tax, strong rental demand driven by sustained in-migration from higher-cost states, a music and entertainment economy that supports short-term rental yields, and improving institutional infrastructure have combined to attract increasing international attention.

International buyers in Nashville remain a smaller proportion of total transaction volume than in the Tier 1 markets, but the trend is clearly directional — and the price points, which remain significantly more accessible than coastal markets, make Nashville an attractive entry point for overseas investors deploying USD 1M–USD 5M into US real estate for the first time.

Why bridge financing: Nashville's market velocity — particularly for well-located single-family, multifamily, and mixed-use assets — rewards buyers who can close fast. International buyers who cannot access conventional financing use bridge loans to compete with the domestic cash buyers who have historically dominated this market.

Common deal types: Single-family and multifamily investment property; short-term rental investment; emerging luxury residential acquisition; commercial mixed-use bridge financing.

Typical loan range: USD 500,000 – USD 10,000,000+

Foreign National Borrowers: What You Actually Need

The most persistent misconception among overseas investors and their advisors: that US bridge financing requires a US bank account, US tax returns, or a domestic credit score.

None of these are required for a US private market bridge loan arranged through GMG.

The US private lending market — encompassing debt funds, mortgage REITs, and non-bank financial institutions — was built specifically to serve borrowers who do not fit the documentation requirements of US commercial banks. Foreign nationals are a core borrower category, not an exception.

What foreign national borrowers need:

— Passport or equivalent government-issued identification — Proof of residential address — Evidence of down payment and liquid reserves (typically 6–12 months of projected loan payments) — Description of the exit strategy — Property information: address, purchase price or estimated value, and intended use

No US tax returns. No US employer verification. No domestic credit score. In many cases, no personal guarantee is required for transactions at 60–65% LTV.

Exit Strategies: The Variable That Determines Everything

In bridge lending, the exit is the underwriting. Every bridge loan is structured around a specific, credible exit event. The four most common for GMG's international client base:

DSCR loan (most common for international investors): Debt Service Coverage Ratio loans are assessed entirely on the rental income of the property — not on the borrower's personal income, tax history, or nationality. Available to foreign nationals across all fifteen markets above through America Mortgages. This is the most common exit for international investors holding the asset as a rental.

Conventional US mortgage: For US citizens and permanent residents who need time to prepare full documentation, or to establish a post-refurbishment appraised value that supports higher leverage on the permanent loan.

Sale of the asset: The fix-and-flip and condo conversion exit. Bridge lenders underwrite on as-completed value and local market absorption rates. Most relevant in LA, Miami, Palm Beach, and Manhattan.

1031 Exchange completion: Bridge financing used to meet the strict 45-day identification and 180-day closing requirements of a Section 1031 like-kind exchange. Common among investors rotating between US markets.

How GMG Arranges US Bridge Financing

Global Mortgage Group is a Singapore-headquartered international real estate financing and advisory firm operating across 23+ jurisdictions. Through our US operations — anchored by America Mortgages, the only US mortgage lender focused exclusively on overseas borrowers — we source, structure, and place US bridge loan facilities for international clients from initial enquiry to close.

Step 1 — Initial consultation: We assess the borrower profile, target asset, loan size, timeline, and exit strategy. For time-sensitive transactions, this can be completed in a single call.

Step 2 — Lender matching: We identify the most appropriate lender from our network of US private lenders, debt funds, and institutional bridge providers — matched to the specific city, asset type, and borrower profile.

Step 3 — Term sheet: Non-binding term sheet presented within 24–72 hours for qualifying transactions.

Step 4 — Underwriting and close: We prepare and submit the loan package, coordinate the US appraisal, and manage all third-party vendors. Standard close: 14–21 days from term sheet acceptance.

Step 5 — Exit planning in parallel: America Mortgages begins DSCR or permanent mortgage pre-qualification in parallel with the bridge loan close, ensuring a seamless transition before the bridge term expires.

We work with individual HNWIs, family offices, private banks, multi-family offices, independent advisors, developers, and real estate private equity sponsors across all fifteen markets above and all 50 US states.

Frequently Asked Questions

Q1: Can a non-US citizen get a bridge loan in any of these cities? 
A: Yes. All fifteen markets covered in this guide are fully accessible to foreign national borrowers. The underwriting is asset-based — borrower nationality is not a disqualifying factor.

Q2: Which city has the fastest close time? 
A: Close times are driven by lender process, title complexity, and appraisal availability — not city. GMG has closed in 8 to 13 days in Miami, Los Angeles, and Dallas. Manhattan condo and commercial transactions close on standard timelines; co-op transactions take longer due to board requirements.

Q3: What is the minimum loan size? 
A: USD 500,000 across all markets through GMG. For smaller residential financing needs, America Mortgages offers DSCR and foreign national mortgage products from lower thresholds.

Q5: Do rates differ between cities? 
A: Rates are primarily driven by LTV, asset type, borrower profile, and lender appetite — not city. All fifteen markets in this guide are primary or established secondary markets with active lender competition, which supports tighter pricing than rural or tertiary markets.

Q6: Is Palm Beach different from Miami for bridge lending purposes? 
A: Yes, in practice. Palm Beach transactions tend to be larger, more private, and more frequently off-market. The buyer profile is more concentrated in ultra-HNWI and family office capital. Lenders with experience in this market understand the discrete nature of transactions and are comfortable with the asset values involved.

Q7: Does GMG work with private banks on a referral basis? 
A: Yes — co-advisory, white-label support, and dedicated relationship management are available across all markets. Please contact our Global Partnerships team directly.

Q8: What is the difference between a hard money loan and a bridge loan? 
A: The terms are often used interchangeably in the US market. Hard money loans typically refer to shorter-term, higher-rate facilities from asset-based lenders used for fix-and-flip transactions. Bridge loan is the broader term covering both institutional and private lender facilities across residential, commercial, and mixed-use assets. GMG arranges both.

Q9: Can I use a bridge loan for a 1031 exchange? 
A: Yes. Bridge financing is commonly used to meet the strict 45-day identification and 180-day closing requirements of a Section 1031 like-kind exchange — particularly when the replacement property needs to close faster than conventional financing allows.

Key Takeaways

— Fifteen markets, one platform: GMG arranges bridge financing across Manhattan, Miami, Palm Beach, Naples, Los Angeles, Santa Monica, San Francisco, Palo Alto, Dallas, Houston, Austin, Boston, Scottsdale, Nashville, and all 50 US states.

— Speed is the product: 7–21 day close versus 45–90 days for conventional financing. In competitive markets, this is the margin of victory.

— Foreign nationals fully eligible: No US tax returns, no US credit score, no domestic banking relationship required.

— 2026 rates from 8.99% p.a.: Market range is 9-11%. GMG's institutional lender relationships deliver competitive pricing for qualifying transactions.

— Asset-first underwriting: Lenders assess property value and exit credibility. Borrower nationality and income documentation are secondary.

— Bridge to permanent — seamless: America Mortgages provides DSCR and foreign national permanent mortgage solutions to refinance out of every bridge loan GMG arranges.

— Private banks and family offices welcome: Co-advisory, white-label, and referral arrangements available across all markets.

Ready to Discuss a US Bridge Loan?

Global Mortgage Group arranges US bridge loan facilities for HNWIs, family offices, and international investors across all 50 US states. We work directly with private banks and client advisors on a referral and co-advisory basis.

GMG Global Partnerships: [email protected] | +65 9773 0273

Web: www.gmg.asia | www.americamortgages.com

Term sheet within 24–72 hours for qualifying transactions.