How to access mortgage loans in dollars and at a fixed rate in the United States?

(Foto: Pixabay)

The United States is one of the destinations chosen by Argentines to do business, spend the summer, and even to settle in search of new opportunities. Its economic stability, added to the legal and regulatory security, makes more and more Argentines take an interest in the American country to invest their savings in the real estate market.

In line with this trend, the demand for mortgage loans is growing. Whether for residential or commercial use, it is advisable that foreigners who wish to access a mortgage loan have the advice of specialists on the subject to guide them throughout the process.

Although it is not impossible to access them, it is convenient that those who need it seek advice to know all the characteristics of each financing plan, the approximate rate, repayment terms for foreigners, and all the characteristics of each plan offered. Given the many banks only grant credits to US citizens qualifying them through documentation other than that which a foreign client can know and presentTherefore, the intervention of a third party may be necessary to find the capital that is needed in dollars and with the most appropriate plan for your investment.

“The interested party must be able to demonstrate their liquidity in bank accounts outside Argentina and their ability to pay”

In this sense, there are companies that have the same license as traditional financial institutions and facilitate access to mortgage loans for foreigners seeking to invest in the United States. The role of these companies is to advise those interested to obtain the best credit according to their characteristics and needs; and act as intermediaries with the banks, which are the ones who ultimately grant the loans. With the figure of an intermediary, the operation becomes simpler, since it acts as a support for banks when accepting credits.

In this way, it is possible to access loans that average between USD 500 thousand and USD 700 thousand, although they can be from USD100 thousand, in installments with a fixed or variable rate. For this, there are various financing programs from 50% to 80% of the amount of the property with an annual interest rate in dollars of between 3% and 3.5%.

All this makes access to credit very attractive either to buy a home to reside in it, or for those who are looking for a property with the intention of renting it, who achieve an average return of 7% in dollars with a variation according to the area in that the property is located.

“Many banks only grant loans to US citizens qualifying them through documentation other than that which a foreign client can know and present”

To access credits in the United States, the interested party must be able to demonstrate their liquidity in bank accounts outside of Argentina and their ability to pay to ensure that you will be able to take care of the fees. Due to economic stability and the exchange rate difference, Argentines who choose these loans in Miami to invest in real estate seek to ensure controlled inflation that allows them to have a more concrete idea of ​​what their profit will be. Argentines prefer to protect their capital in a safe and conservative investment; and this is a very good way to do it.

The United States needs foreign investment and banks are willing to disburse millions of dollars in mortgages to help grow and strengthen the country. In Florida alone, last year USD 8 billion was generated to international clients.

Between August 2020 and September 2021, Canadians, Colombians and Argentines in that order were the ones that invested the most, a trend that was modified, with Argentines now occupying first place in investments there, especially in Miami. According to estimates, Argentines invest approximately $ 3 billion annually in real estate purchases throughout Florida. One of the main reasons this is the most sought after destination: lower tax rates close to 2% per year.


The rise of the free dollar puts in check the strategy of the Central Bank to devalue in a smooth and controlled manner
Personal Assets: “A claim can be made in court that the law is void,” warn tax experts
Why inflation dynamics was the main problem in 2021, according to Guzmán, and will be repeated in 2022

Leave a Reply

Your email address will not be published. Required fields are marked *