Thinking Of Buying a Home in the U.S.?

What You'll Find in the Guide

The benefits of financing your new U.S. property²
The differences between Canadian and U.S. mortgages²
What you need to know when buying a condo in the U.S.
Insurance requirements for your U.S. home
Property taxes in the U.S.^‡
An overview of U.S. tax and immigration rules^‡

Your U.S. Vacation Home is Within Reach

Turn your U.S. home buying dreams into reality. As the only national lender dedicated to helping Canadians, we make buying a home in the U.S. easier.

The RBC Bank U.S. Mortgage Deal is On! Save with a $0 underwriting fee on new mortgages³. That's a savings of up to $825 USD (or over $1,000 CAD). Apply by October 31, 2024.

Learn More about Your U.S. Vacation Home Mortgage

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Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

RBC Bank, Equal Housing Lender

RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada. RBC Bank is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). U.S. banking products and to the by the are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. All deposit accounts, loans and lines of credit are approved by RBC Bank. RBC Bank – 8081 Arco Corporate Dr, Suite 400. Raleigh, NC 27617. www.rbcbank.com

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.

To qualify for the $0 underwriting fee, a full and complete mortgage application must be submitted by October 31, 2024. 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 Offer may be withdrawn or changed at any time without notice.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 up to $924 USD (or over $1,200 CAD). May not be combined with any other special offers.

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Consult your financial, tax, legal, and other professional advisors prior to applying for a U.S. mortgage.