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Think the only way to buy a home in the U.S. is to pay cash?
Think again.

You don’t have to depend on your Canadian equity. By borrowing and purchasing in U.S. dollars, you can buy more than you think and hold on to your equity.

RBC Bank U.S. Mortgage Deal is On

Save with a $0 underwriting fee on new mortgage2. That's a savings of up to $825 USD (or over $1,000 CAD). Apply by June 30th, 2020.

Know what you can afford before you start shopping.

Get Pre-Approved

Feels Like Home

There are no limits to where you can buy

We’ll finance property in all 50 states.

Unlike other U.S. banks, we won’t treat you like you’re invisible

We use your Canadian credit history to help you qualify.

We won’t charge you a foreign national premium

You’ll save up to 2% on your rate and potentially thousands over the life of your mortgage.

Keep it flexible- You can choose a 3, 5, or 7-year mortgage term3

Renew it, at no cost, when the initial term expires, or move to a variable rate.

We don’t charge pre-payment penalties

You can pay down or pay off your mortgage at any time.

Save on Foreign Exchange

Reduce the one-time impact of foreign exchange costs

Keep your Canadian dollar exchange to just a 20% down payment and closing costs. You can even use your Canadian home equity to cover your down payment.

Spread out your future foreign exchange costs

Because your mortgage payment is based on a 30-year term, your payments are kept low.

Tools and Calculators

U.S. Mortgage Payment Calculator

Find out how much your mortgage payments will be

U.S. Mortgage Rates

U.S. mortgage rates are still relatively low, making it a great time to buy

Foreign Exchange Calculator

See the cost of converting Canadian dollars to U.S. dollars

Let Us Be Your Guide

We share a border, a language and a love of sports. But our home buying processes have some differences. Our cross-border mortgage advisors work exclusively with Canadian buyers and will help you through the process.

Discover the Differences

Knowing what they are in advance can make for a smoother home buying journey

Ways We Can Help

Getting ready to buy? We’ll help you navigate the process from start to finish

Mortgage Documentation Checklist

You’ll need to provide quite a bit of documentation as you work through the process.

Get Up To $6500 Cash Back

Turn your U.S. home buying dreams into reality. RBC clients can get up to $6500 cash back when you buy or sell a U.S. home with RBC U.S. HomePlus™ Rewards4.

Learn More