New England
Massachusetts
Property tax set town by town, attorney-led closings, and state rules on septic systems, lead paint and estate tax that surprise second-home buyers.
Explore this destinationUS mortgages for Europeans
Moving from the EU or the UK, or buying a second home in the United States? See which loans fit your status and what it costs where you want to live, then get matched with a US specialist without obligation.
English-speaking
15+ affiliated partners
25+ years' experience
Where in the United States do you want to live?
Pick a destination to see what homes cost there, what you pay on top and which loans fit your status. Every guide leads to the same mortgage scan.
New England
Boston, Cambridge and the suburbs
A median price near $860,000, property tax that changes at every town line, and an exemption that only owner-occupiers receive.
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New England
Cape Cod, Martha's Vineyard and Nantucket
Holiday-home country with low tax rates and high prices, a 2% land bank fee on the islands, septic rules and coastal insurance to plan for.
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New England
Rhode Island and Providence
Lower prices than Boston, a property tax system that favours owner-occupiers, and new state taxes aimed at second homes and short lets.
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Florida
Florida
The top state for foreign buyers. No income tax, but property tax that resets when you buy, insurance to arrange early and rental rules set street by street.
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Florida
Miami, Fort Lauderdale and Palm Beach
The top US market for foreign buyers. Houses around $650,000 to $680,000, a year of unsold condos in Miami-Dade, and lenders that scrutinise every building.
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Florida
Orlando and Central Florida
Median prices around $439,000, direct flights to Europe, and short-term rental zoning that differs between the city, Orange County and Osceola County.
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Florida
Tampa, St. Petersburg and Clearwater
Median houses at $410,000, four European routes from Tampa airport, monthly minimum lets in Clearwater and real flood exposure after the 2024 hurricanes.
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Florida
Sarasota, Bradenton and Anna Maria Island
Gulf Coast homes around $470,000 to $495,000, minimum-stay rules that differ between city, county and island, and district fees in planned communities.
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Florida
Naples, Fort Myers and Cape Coral
Florida's most German market. Cape Coral houses at $380,000, Naples at $760,000, a utility charge of over $33,000 on some plots, and flood rules after Hurricane Ian.
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Florida
The Florida Keys
A housing stock limited by hurricane evacuation law, wind insurance through Citizens, flood elevation rules and a 28-day threshold for holiday lets.
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Mid-Atlantic
Northern Virginia and Washington DC
Median prices of $680,000 to $770,000, tax rates that differ on each side of the Potomac, a yearly car tax in Virginia and strict limits on short-term letting.
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New York
New York City
Co-op or condo, a mansion tax from $1 million, mortgage recording tax of about 2%, and a new yearly surcharge on apartments that are not a primary residence.
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Mid-Atlantic
Philadelphia
A metro median of $425,000, a 4.578% transfer tax usually split with the seller, a wage tax on city earnings and a tax abatement on new homes.
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California
Los Angeles and Orange County
A county median near $947,000, a property tax set by the year you buy, and earthquake and fire insurance to settle before you offer.
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California
San Francisco and Silicon Valley
Median houses from $1.3 million to $2.3 million across four counties, jumbo loans, property tax that resets at your purchase price, and earthquake cover with large deductibles.
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Arizona
Phoenix and Scottsdale
A median asking price near $475,000, property tax around 0.44% of value, and water, heat and holiday letting rules that vary by community.
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Washington State
Seattle and the Eastside
A King County median near $845,000, no state income tax today, an estate tax that reaches non-residents, and earthquake cover that is bought separately.
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Texas
Houston and the Gulf Coast suburbs
A median house near $330,000, property tax of about 1.5% of value, MUD districts in new suburbs, and flood risk that every buyer should check.
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Texas
Dallas-Fort Worth
Corporate relocations, a Dallas median near $449,000, Texas property tax that varies by school district, hail insurance and the 2025 foreign-buyer law.
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Georgia
Atlanta and the suburbs
A median sale price near $400,000, an attorney at every closing, property tax assessed at 40% of value and a flat 4.99% state income tax.
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North Carolina
Charlotte, Raleigh and the Triangle
A median near $428,000 in the Charlotte region, county revaluations in 2027, closings run by an attorney and a flat state income tax of 3.99%.
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Illinois
Chicago and the suburbs
A city median near $426,000, property tax that is reassessed in three-year cycles, attorneys at closing and short-let rules that depend on the building.
Explore this destinationWho is Europe America Mortgage for?
Most questions come from one of three situations. If you recognise yours, you are in the right place.
Relocating for work or family
You are moving on an employer-sponsored visa, with a green card, or through family immigration. Your status decides which US loans are open to you, so the finance plan follows the immigration plan rather than the other way round.
Discuss my move →Investors and business owners
You are building a business in the United States, for example as an E-2 treaty investor, and want a home near it. Worth knowing early: buying a home itself grants no visa, so the property and the immigration route each need their own plan.
Talk through my plans →Buyers with savings or equity in Europe
You have savings or equity in a European home set aside for this. Now you want to know how to transfer the down payment, handle the currency and show a US lender exactly where the funds come from.
Explore how far my funds go →How it works
Three steps, and you decide at every one whether to continue.
Tell us what you plan
Share the outline of your move: where, when, and the home you have in mind.
We map your situation
Your immigration status decides which US loans are open to you. We work out the realistic routes, the cash you need and the paperwork to prepare.
A US specialist takes it from there
We introduce you to a licensed US lender or adviser who works in your destination. A first conversation carries no obligation.
Tijmen
Box
Box
Bas
Terpstra
Terpstra
Selma
Khudeir
Khudeir
Howdy!
Meet an approachable team that listens first, explains the move from European to US home finance in clear English and brings in the right American expertise for your circumstances.
- 100+people choose us every month
- 5permanent team members
- 10+specialists in our network
- 15+collaborating partners
And we are still growing. More about us
Our network and collaborating partners:
Guidance through the whole purchase
Need more than a mortgage?
We help you with the finance. Are you also looking for help with searching, viewing and completing a purchase? Property Guidance Network is our network of PGN-certified specialists for purchase guidance. The PGN website shows the countries where the network is active.
US mortgage scan
Understand which loans fit your status, how much cash you need and what to arrange first, before you sign a purchase contract.
Start my mortgage scanClient experiences
What people value most when moving countries is a clear order of steps, an honest view of what is affordable and someone who explains it in a language they understand.
US mortgage questions from European buyers
Visa categories, credit scores and closing costs can feel unfamiliar. These answers are a starting point, not a lending decision or personal legal, tax or immigration advice.
What people moving from Europe usually ask
Yes. Non-US citizens can legally buy property in the United States. What changes without a green card is the financing: your immigration status decides which loan types a lender can offer you, so it is the first thing to establish.
No. Buying a home does not grant a visa, residency or a green card. Your right to live in the United States comes from a separate immigration route, and an immigration attorney is the right person to advise on it.
Not any more. Since HUD Mortgagee Letter 2025-09 took effect on 25 May 2025, non-permanent residents are no longer eligible for FHA-insured mortgages. Conventional loans remain possible: Fannie Mae buys mortgages made to lawful non-permanent residents on the same terms as US citizens, provided the borrower is legally present. Every application is still subject to lender assessment.
Not automatically. US credit scores are built from what US lenders report, so years of good credit in Europe do not carry over. Some lenders accept an international credit report or alternative documentation, which is one reason the choice of lender matters for newcomers.
Closing costs typically come to between 2 and 5 per cent of the purchase price, not including the down payment. The down payment itself depends on the loan type; foreign national loans for buyers without US residency usually require a larger one. Property taxes and homeowners insurance then recur every year, often collected monthly through an escrow account.
If you are a foreign person for US tax purposes when you sell, the buyer generally has to withhold 15 per cent of the amount realised under FIRPTA. Reduced or no withholding can apply when the price is up to 1 million dollars and the buyer will live in the home. How this interacts with your own tax position is a question for a cross-border tax adviser.
All figures shown are general orientation for 2026 and are expressly not an offer. All lending is subject to your immigration status, credit, income, appraisal and lender criteria. We do not give legal, tax or immigration advice; please consult a licensed US lender, an immigration attorney and a cross-border tax adviser. Any property securing a loan may be at risk if payments are not made.
Could this be your future view?
Start with financial clarity
Before you book house-hunting trips or sign a purchase contract, establish which loans fit your status, how much cash you need and which route deserves a closer look.
Share the outline of your plans. Your initial review can identify likely constraints, useful documents and the specialist you need next. It is not a mortgage offer, but it gives your search a sounder basis, and a first conversation with a specialist carries no obligation.