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U.S. Mortgage Options and Advice for Canadians

Guide to Owning a U.S. Home

Home buying support at every step of the process

Dreaming Finding a U.S. Home Buying a U.S. Home Moving & Settling In

Let us help you make the most of your U.S. home

Using Your U.S. Equity Earning Rental Income Buying Another Home Selling 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 serious buyer.

  • Your pre-approval is good for 120 days
Get Pre-Approved

Owning Your U.S. Dream Home - Virtual Advice Events

Do you dream about buying a home in the U.S.? Do you already own U.S. property and want to make your equity work for you? No matter where you are on your journey, we’re with you.

Join us for our virtual advice events.

Register Now

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 Rates

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

Find Your Rate
Mortgage Payment Calculator

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

Get Calculation
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

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!

Get Pre-Approved Check Mortgage Rates

It only takes 5 minutes to start your pre-approval online. Apply by June 30th, 2021 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

Learn More

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

Learn More

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

Learn More