Getting a mortgage is different in the U.S. We’re here to guide you every step of the way

We specialize in helping Canadians purchase homes in the U.S.

We’ll help you choose the best mortgage for your personal situation, then guide you through the process. Put our decade of cross-border experience to work for you today!

The RBC Bank mortgage process

The process of buying a home in the U.S. is quite different from the one you may be used to in Canada. Our dedicated team of Cross-Border Mortgage Specialists provides expert advice and works hand-in-hand with you through every step of the process.1

Pre-qualifying

Before you start looking for your U.S. home, you’ll want to get pre-qualified so you’ll know how much you may be qualified to borrow. Pre-qualification also provides you with a clear picture of what your monthly mortgage payments may be, so that you can search for your new home with confidence. Your U.S. real estate agent will most likely ask if you are pre-qualified, so it helps to be prepared. We can easily help you pre-qualify for a mortgage by simply having you provide us with some basic information about your income, assets, and credit. We’ll pull your credit report and provide you with a pre-qualification letter so you can get shopping! 

Considering purchasing property in the U.S.? We recommend contacting an RBC Bank Cross-Border Mortgage Specialist to pre-qualify even before you begin house hunting – say around 60 to 90 days before you plan to close. 

Be mindful that in the U.S., it can take about 45 days or more (depending on your personal situation) for loan processing after you’ve found your property and have a sales contract. Here are the steps. 

Apply for your mortgage online. It’s easy!

You can apply for your mortgage online in as few as 30 minutes. Click here to visit our Online Mortgage Center.

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Mortgage documentation List

Your RBC Bank Cross-Border Mortgage Specialist will walk you through the documents you’ll need to complete your application.

  • Identification such as your passport or driver license
  • Income confirmation documentation
  • Bank statements
  • Credit payment history documentation


Note: Depending on your situation, other documentation – for example, a copy of your investment/brokerage statements if you are using those funds for your home purchase – may be requested to complete the application.

View the complete Mortgage Documentation Checklist.

1 All loans are subject to approval, including verification of acceptable income, creditworthiness, and property valuations. Minimum and maximum property values and maximum loan-to-value ratios apply. Homeowner’s insurance is required for all loans and lines, and flood insurance is required if property is located in a Special Flood Hazard Area. Escrows may be required. There are closing costs associated with these products.