Guide to Owning a U.S. Home

U.S. Mortgage & Refinancing

Whether you’re buying your first U.S. home8, upgrading, investing or renewing your mortgage, we can walk you through your options and help you find the solution that best fits your needs.

Mortgage Refinance and Home Equity

Shop with Confidence. Get Pre-Approved.

Get pre-approved for a mortgage to know how big you can dream - and show sellers you’re a serious buyer.

  • Your pre-approval is good for 120 days

Why Canadians love Our U.S. Mortgages

  • Buy wherever it feels like home -we help Canadians buy in all 50 states
  • Get approved with your Canadian credit history
  • Choose a 3,5,7 or 10-year term25 with a 30-year amortization
  • Reduce the one-time upfront impact of foreign exchange costs with just a 20% down payment25 plus closing costs
  • Enjoy the convenience of no payment restrictions - make penalty-free, lump-sum payments anytime

U.S. Mortgage Tools for Canadians

View our mortgage rates
View our Rates

Get a customized mortgage rate based on the details of your home purchase

Find Your Rate
Mortgage Payment Calculator
Mortgage Payment Calculator

Play with the numbers and see what your monthly payment will be

Get Calculation
Search U.S. Homes
Search U.S. Homes

Check out what's on the market right now - listings are updated every 15 minutes

Search U.S. Homes
Special Offers from RBC Bank
Special Offers

View the offers and perks available to you as an RBC Bank U.S. mortgage client

View Offers

Get Pre-Approved or Apply Online Using Your Canadian Credit History

You can get financing in all 50 states and pay off your mortgage anytime, without penalty!

It only takes 5 minutes to start your pre-approval online. Apply by February 28th, 2022 and save up to $825 USD with no underwriting fees.28

Apply Online

Call 1-866-283-5928

See what documentation you'll need to apply

Discover and Learn

Using a HELOC to Access Your U.S. Credit

Buying a Vacation Property with your Family: Tips for Multi-Generational Harmony

5 Questions to Ask Yourself Before You Refinance Your U.S. Mortgage