1. Find a realtor

How we help:
  • We can connect you with a realtor local to your desired market – plus, you can get a cash reward38Legal Disclaimer (opens in popup) up to $9,500 when you enroll in the RBC U.S. HomePlusTM Rewards program

2. Pre-approval

How we help:
  • We can coordinate a pre-approval for you within 1 to 2 business days when you’re actively shopping for your new home

3. Application

How we help:
  • We'll help you fill out the application and let you know if anything is missing. Just let us know when and where you're closing
  • If you're ready to get started, you can start a new application online now
  • If you’ve already filled out your pre-approval, give us a call at 1-866-283-5928 and we’ll finish your application with you

Closing a U.S. mortgage takes 40-45 days, regardless of lender, so be sure to plan accordingly:

Get The Detailed Timeline

4. Review

How we help:
  • We'll review your documents (see our documentation checklist) and give you a conditional approval letter that will be valid for 60 days
  • We'll arrange for a licensed home appraiser to book an appraisal with you
  • We'll submit the request for title work and flood determination
  • We’ll make sure we have everything we need to make a decision about the mortgage

5. Closing time

How we help:
  • We’ll help you through the final closing and make sure all parties have everything in place
  • We’ll walk you through the final things you need to provide — such as your ID and homeowner’s insurance policy
  • We’ll provide customized and ongoing service, helping you with any of your home financing needs
  • While closing costs on U.S. mortgages vary, they’re usually at least 2.5% of the purchase price of your home
  • We can help save you thousands in closing costs42 because we don’t charge bank fees on U.S. mortgages