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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 InLet 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. HomeU.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 EquityShop 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 
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 OffersGet 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 November 30th, 2021 and save up to $825 USD with no underwriting fees.28
Call 1-866-283-5928
See what documentation you'll need to apply