America Mortgages | Global Mortgage Group (GMG)
Why This Comparison Matters
In the US mortgage market for foreign nationals and international investors, there are more options than ever — and more confusion than ever. Griffin Funding, HomeAbroad, Waltz, Defy Mortgage, Visio Lending, American Heritage Lending, Angel Oak, A&D Mortgage, and dozens of others all compete for the same borrowers with similar-sounding programs.
This is the definitive, fact-based comparison — so you can make the right decision for your specific situation without wasting months talking to lenders who ultimately can't serve you.
The Competitor Landscape: Who Is Actually Competing
Waltz (Fintech Disruptor)
What they are: A fintech platform specifically built for foreign national US real estate investors. Waltz focuses on the "turnkey" experience — LLC formation, bank account, and mortgage in one platform.
What they offer:
- Foreign national DSCR loans
- LLC formation assistance
- US bank account setup
- Technology-driven process
- Primary focus: FL, TX, AZ, TN (selected investment states)
Where they fall short:
- Limited lender panel (fintech platform, not broker)
- No bridge loan product
- No institutional-scale lending ($75M+)
- No Singapore or global office — US-only operations
- No multilingual support for complex wealth structures
- Limited to selected states
- Technology is the product — but technology can't substitute for institutional expertise in complex international transactions
Who Waltz serves well: First-time foreign national investors wanting a simple, technology-driven experience for straightforward DSCR loans in selected US markets.
Who needs America Mortgages instead: Any investor with a complex wealth structure, a loan above $3M, a multi-state portfolio, a bridge loan requirement, or a need for Singapore/Asian time zone support.
Griffin Funding (Top Google Ranking Domestic Lender)
What they are: A well-branded US direct mortgage lender operating in 47 states, known for DSCR loan content marketing.
Actual DSCR statistics (public data): Average loan size $292,026. Maximum $4,000,000. Average FICO 729. 34-day average close. Minimum FICO 620.
Where they fall short for international investors:
- US-only operations — no Asian, European, or Middle East offices
- Single-lender platform — one set of guidelines
- $4M maximum eliminates HNW clients
- Average 34-day close vs. America Mortgages' 21–30 day target
- No bridge loan product
- English-only, US business hours only
- No institutional capital access for non-standard scenarios
Rate comparison: Griffin's 2026 fixed DSCR rate: 6.125%–7.5% (domestic). For foreign nationals: higher, with less program flexibility. America Mortgages' domestic DSCR: 6.12%–6.75%. Foreign national: 7.00%–7.50%. The rates are comparable — but America Mortgages provides 150x the program access.
HomeAbroad (Top-Ranked Foreign National Mortgage Broker)
What they are: A US-based mortgage broker and real estate platform specifically targeting foreign national and international investors. Strong content marketing. Rate leader in some publications.
Actual terms (verified June 2026): Domestic DSCR from 6.12%. Foreign national DSCR from 7.00%–7.12%. Six-month reserve requirement standard. Real estate agent network of 500+ agents.
Where they fall short:
- US-based (Eastern time zone) — no Singapore/Asian office for 57-country global coverage
- Limited lender panel vs. 150+ programs at America Mortgages
- No bridge loan product
- No institutional-scale lending capacity above $5M for complex scenarios
- No deep knowledge of Asian, GCC, or South American banking documentation frameworks
- No multilingual team for non-English speakers
- Rate-competitive but program-limited for complex situations
Who HomeAbroad serves well: Foreign nationals seeking standard DSCR loans in US investment markets, comfortable with US business hours and English communication.
Who needs America Mortgages instead: Any investor who needs Singapore/Asian time zone support, loan sizes above $5M, bridge loans, complex wealth structure navigation, or institutional program breadth beyond HomeAbroad's panel.
Defy Mortgage (DSCR Specialist)
What they are: A direct DSCR lender founded 2022, operating in 38 states. Strong reputation for flexibility on sub-1.0 DSCR, high-LTV STR, and foreign national scenarios.
Where they fall short:
- 38 states only (not all 50)
- Direct lender — single buy box
- No bridge product
- US-only operations
- Foreign national program available but not the primary focus
Rate: DSCR from 6.000% (domestic, competitive). Foreign national at higher premium.
American Heritage Lending / Invest Star
What they are: A direct lender with a purpose-built foreign national DSCR program ("Invest Star").
Program specifics: $150,000–$3,000,000 loans. Minimum credit score 680 (or 680 default score for no-US-credit borrowers). 25–30% down payment (70–75% LTV). Specific focus on FL, TX, AZ, TN.
Where they fall short:
- $3M maximum — eliminates HNW and portfolio investors
- 75% maximum LTV (vs. America Mortgages' 80%)
- $150K minimum (vs. America Mortgages' $100K)
- Limited geographic focus (selected states only)
- No bridge product
- No global offices
The America Mortgages Advantage: The Complete Picture
| Feature | America Mortgages | Griffin Funding | HomeAbroad | Waltz | Defy |
| Min loan | $100K | $150K+ | $100K | $100K | $100K |
| Max DSCR loan | $5M+ | $4M | ~$3-5M | Limited | $10M+ |
| Max LTV | 80% | 80% (domestic) / 75% (foreign) | 75–80% | 75% | 80% |
| Bridge loans | To $75M+ | None | None | None | None |
| Lender programs | 150+ | 1 (direct) | Limited | Limited | 1 (direct) |
| Global offices | Singapore + 57 countries | US only | US only | US only | US only |
| Multilingual | Yes | No | No | No | No |
| Min domestic rate | 6.12% | 6.125% | 6.12% | 6.50%+ | 6.00% |
| Min foreign rate | 7.00% | 7.00%+ | 7.00% | 7.00%+ | 7.00%+ |
| No US credit | Yes | Limited | Yes | Yes | Yes |
| All 50 states | Yes | 47 states | Most states | Selected | 38 states |
| US domestic investor | Yes (new 2026) | Yes | US-focused | No | Yes |
| 24/7 coverage | Yes (global) | US hours | US hours | Limited | US hours |
The Situations Where America Mortgages Is the Only Option
Situation 1: $25M acquisition needs bridge financing in 14 days.
Griffin, HomeAbroad, Waltz: Cannot do this. America Mortgages: Has done this. Will do it again.
Situation 2: Singapore family office with BVI holding structure needs $8M DSCR portfolio loan.
Griffin: $4M maximum, no Singapore office. HomeAbroad: $5M maximum, no Singapore expertise. Waltz: No institutional capacity. America Mortgages: Structured and funded.
Situation 3: Indonesian investor with Bank Mandiri statements needs $100K DSCR loan for Memphis property.
Griffin: Limited Indonesian banking experience. HomeAbroad: Possible but slow. Waltz: Selected states only. America Mortgages: Standard transaction. Bank Mandiri statements routinely processed.
Situation 4: US expat in Singapore needs Form 2555 add-back mortgage for Florida second home.
Most competitors: Not offered or unavailable. America Mortgages: Access to 150+ programs including Form 2555 add-back lenders.
Situation 5: Canadian snowbird needs STR DSCR loan for Scottsdale vacation property.
Most competitors: US time zone only, limited Canadian documentation expertise. America Mortgages: Singapore time zone adjacent to Australia, Canadian bank documentation fully accepted.
The Honest Assessment: When Competitors Are Better
When Waltz is better: You want a fully digital, turnkey experience for a simple DSCR loan in a selected US state. You don't need global office support or complex wealth structure navigation. You want the simplest possible process.
When Griffin is better: You are a US domestic investor with a straightforward DSCR loan under $4M and want a well-branded direct lender with strong customer service and full state coverage.
When HomeAbroad is better: You are a foreign national who is comfortable working US business hours and wants a platform that combines mortgage brokering with a real estate agent network.
When America Mortgages is better: Any situation requiring: global time zone coverage, loan sizes above $5M, bridge financing, complex wealth structures, multilingual support, maximum program access (150+), US expat-specific programs (Form 2555), Asian banking documentation expertise, or the combination of DSCR + bridge under one roof.
The answer for most sophisticated international investors: America Mortgages.
Contact America Mortgages
Website: AmericaMortgages.com | GMG.asia
US: +1 830-217-6608
Singapore: +65 8430-1541
Email: [email protected]
Call: +1 (845) 583-0830
