Please allow us to show you how our knowledge of UK and US mortgages can help guide you to the most suitable loan for your needs.


	Open a US bank account upon your arrival in the US. It takes 15 minutes, a copy of your passport and a minimum of $100 deposit.
	Keep a copy of all wire transfers to the US.
	We will require 2 months bank statements on your UK account. We will also require proof of origin of any large deposits (Patriot Act).
	Don't wait until the last minute to transfer funds to the US bank account.
	You are not required to complete the purchase in Florida. You can have a solicitor witness your signatures in the UK and then courier the papers back to the US.
	Ask questions and make sure that you understand your mortgage arrangement and the process. We are here to assist you and welcome all of your questions!

Florida Properties
Multicurrency Mortgages

Fixed or Variable rates

As a non US resident, you can qualify for up to 80% financing on the first "Holiday" home that you purchase. All subsequent purchases will be considered investment or "buy to let" homes and may be subject to higher interest rates and increased deposits.

	Variable rates
	3 year fixed rate
	5 year fixed rate
	7 year fixed rate
	15 year fixed rate
	30 year fixed rate
	Interest only or capital repayment
	Self certified income to 80% LTV

Please note that interest rates and loan to value offered will be subject to borrower qualification and project approval.

Do you have equity in US property?
Please contact us to see if this can be used to help you mortgage 100% of a new Florida purchase.

Condotel Financing

ACM Home Loans is a leading Florida correspondent lender of Condo hotel (condotel) financing. Condotels, also known as hotel-condominiums, feature privately owned condominium units for short-term rentals.

Some condotels are converted hotels. Others are part of a network of standard condominiums that are offered for short-term rentals. Some new condotels are high-rise condo developments built exclusively for short-term rentals.

	75% loan to value for holiday homes - 65% buy to let
	Self certified income available
	Variable and fixed rates
	Interest only or capital repayment

Condo-Hotel mortgages often have higher up front closing costs and interest rates than a standard condominium mortgage.

	Please allow us to show you how our knowledge of UK and US mortgages can help guide you to the most suitable loan for your needs.
	Contact ACM Home Loans More about ACM Home Loans

Construction to Permanent (for custom home builds)

	75% loan to value
	If the plot has been purchased over 12 months prior to construction, the new valuation price will reflect the increased value.

Plot Loans

	75% loan to value
	18 month term
	Residential plots only