The USA offers full foreign ownership, deep liquidity and the famous 30-year fixed mortgage. Markets vary wildly — from high-tax, high-price coasts to high-yield Sun Belt metros like Austin and Miami.
Rates in 2026 sit around 6.75–6.90%. Property tax is the highest in our database (avg ~1.6%/year) and varies by county, so always check the local rate before committing.
Market overview
The escrow/title system protects both sides: earnest money sits in escrow while inspection, appraisal and underwriting complete. Closing costs run 2–5%. Foreign buyers can purchase freely; financing without US credit history is possible via foreign-national loan programs at lower LTV and higher rates.
Popular locations:
Mortgage rates in USA (June 2026)
| Bank | Rate | Max LTV | Website |
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True cost of buying & owning
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