Let Us Help You Buy Your U.S. Dream Home
Get pre-approved for a mortgage1 to know how big you can dream. From dreaming to doorstep - our U.S. home buying process is built exclusively for Canadians to provide full-service support through every step.
Your pre-approval is good for 120 days
Special Offer
Save with a $0 underwriting fee on new mortgages2. Apply by April 30, 2025
Why Canadians 
Our U.S. Mortgages
- Get approved with your Canadian credit history
- Finance in all 50 states
- Choose a 3-, 5- ,7- or 10-year term3 with free renewals - amortized over 30 years to keep your payments low
- Reduce the one-time upfront impact of foreign exchange costs with just a 20% down payment plus closing costs
- Enjoy the convenience of no payment restrictions - make penalty free, lump-sum payments any time
Tools & Calculators
U.S. mortgage rates are still relatively low, making it a great time to buy
View Rates
RBC U.S. HomePlusTM Advantage
A Team of Experts to Guide You Every Step of the Way
RBC U.S. HomePlus Advantage provide access to:
- A team of cross-border real estate, tax, legal, insurance and financing experts4
- A free guide to buying a U.S. home
- Six U.S. home buying webinars from our experts, including the latest U.S. economic update from our chief economist
Shop With Confidence. Get Pre-Approved1.
Apply online in less than 5 minutes:
- Use your Canadian credit history to apply
- Your pre-approval is good for 120 days
- Start shopping in all 50 states!
Special Offer
Save with a $0 underwriting fee on new mortgages2. Apply by April 30, 2025
Equal Housing Lender. Member FDIC.
®/TM
Trademark(s) of Royal Bank of Canada. Used under license. RBC Bank means RBC Bank (Georgia), N.A., a subsidiary of Royal Bank of Canada.
©
RBC Bank (Georgia), N.A. 2021
1
Mortgages are subject to approval, including verification of acceptable income, credit worthiness 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 of credit and flood insurance is required if the property is located in a Special Flood Hazard area. Escrows may be required on mortgages. There are closing costs associated with mortgage products.
2
To qualify for the $0 underwriting fee, a full and complete mortgage application must be submitted by April 30, 2025. Mortgages must fund within 120 days of the application date. Offer may be withdrawn or changed at any time without notice. Offer is only available to the following clients; new RBC Bank mortgage/Home Equity Line of Credit (1st or 2nd homes), Investment Properties, and Refinance on a property that is owned free and clear. Additional bank fees and third party fees apply and are paid separately. Mortgage and HELOC offer may be combined: if a client closes on an eligible mortgage and also opens a second lien HELOC with RBC Bank, both products will have a $0 underwriting fee. That’s a savings of $924 USD (or over $1,200 CAD). May not be combined with any other special offers.
3
3, 5, 7, or 10-year term refers to the period of time the interest rate is set at the beginning of the loan period which is 30 years (360 months); after the initial fixed rate term, the interest rate will adjust annually. Example: 3-Year Adjustable Rate Mortgage (ARM) calculation assumes a $250,000 loan amount, 4.000% interest rate, 4.764% APR, with 20% down payment, amortized over 360 months = $1,193.54 monthly payment. Example: 5-Year ARM calculation assumes a $250,000 loan amount, 4.125% interest rate, 4.679% APR, with 20% down payment, amortized over 360 months = $1,211.62 monthly payment. Example: 7-Year ARM calculation assumes a $250,000 loan amount, 4.375% interest rate, 4.699% APR, with 20% down payment, amortized over 360 months = $1,248.21 monthly payment. Example: 10-Year ARM calculation assumes a $250,000 loan amount, 4.500% interest rate, 4.455% APR, with 20% down payment, amortized over 360 months = $1,266.71 monthly payment. Rates and payments are subject to increase after initial fixed period of loan. If the down payment is less than 20%, mortgage insurance may be needed on the loan. This could increase the monthly payment and the interest rate. Rates subject to increase after consummation.
4
Consult your financial, tax, legal, and other professional advisors prior to applying for a U.S. mortgage.