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Financing US property
Let Your Dreams Come True!
ADVANTAGES
PROFIT
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US loans are available to everyone (!)
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Variety of loans available
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Conditions are fair and transparent
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Application and complete processing possible from foreign countries
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Interest rates vary from around 3.5%
to 9%, depending on the structure of the loan agreement
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SECURITY
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More property for your money:
healthy price-performance ratio -
Appraisals safeguard the purchase price
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4x higher rate of return: lower acquisition costs, lower maintenance costs
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(Still) attractive currency exchange rate
MORE PLUSES
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Turbo for asset accumulation by repayment of loans by US tenants
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When renting: no utilities statement (gross rent = net rent)
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Favorable tax declaration without receipts (duration: as less as 1 day)
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Only 10-15% taxation on profits
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OBTAIN MORTGAGES
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WITHOUT a FICO credit score
WITHOUT age restriction: loans for borrowers aged 70+ are not a problem
WITHOUT having an life insurance
WITHOUT permanent employment
Freelancers and self-employed - ok, pensioners - ok
WITHOUT any hustle - relax and M&A Unlimited will support you
REQUIREMENTS
Valid passport / Your Driver's License
Minimum equity required - depending on the purchase price and financing model
Supporting documents (bank statements, pay stubs et al., depending on the lender)
At least 1 bank account
Which loan is right for you?
CONVENTIONAL LOAN
Max. 80% LTV, no pledged assets required.
SENIOR LOAN
For borrowers aged 65+: loans & more.
LONG-TERM LOAN
10, 15, 20, 25 or 30 year fix term loans.
INTEREST ONLY LOAN
Interest only with installment payment at the end of the term.
QUESTIONS?!
REFINANCING
Lower the rates, shorten the terms - or make a cash-out.
JUMBO LOAN
Large loans from $510,000 -
$10 Mio. for large projects.
HARD MONEY LOAN
No documentation. Fast, short-term financing.
BUSINESS LOAN
Loans for commercial properties.
These 5 Factors
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Contributed equity: we recommend at least 30% of the purchase price
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Fixed interest rate for optionally 3-10 years and a loan duration of up to 30 years
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Cash reserves (assets) as collaterals
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With or without prepayment penalty upon early loan repayment
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Option to additionally „buy down“ the interest rate
... have a significant impact on the loan conditions!
THE US LOAN PROCESS
Applying for your loan
Select the loan & property
Closing & hand-over the keys
Set your goals
What-Why-Where-How much?
Prepare yourself
Fill out loan application
Submit documents
Receive offers
Check & evaluate conditions
With the loan pre-approval
Choose your US property
Sign the sales contract
Deposit & inspection
Insurance & appraisal
Final loan approval
Loan disbursement
Title transfer
