We Make Getting a U.S. Mortgage Easy - U.S. Mortgages for Canadians

U.S. mortgages, simplified

Get approved to finance in all 50 states using only your Canadian history. How’s that for simple?

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

Run the numbers

Check out our free calculators to get a quick and easy idea of the costs associated with owning a U.S. home

U.S. Mortgage Rates

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

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Mortgage Payment Calculator

Find out how much your mortgage payments will be

Play with the Numbers

RBC U.S. HomePlus^TM Advantage

Making U.S. mortgages easy, every step of the way

With RBC U.S. HomePlus^TM Advantage, you’ve got support every step of the way with access to:

A team of cross-border real estate, tax, legal, insurance and financing experts⁴
A free guide to buying a U.S. home
Our full library of webinars from our U.S. real estate experts and economists

Get the Advantage

Ready to start shopping?

Get pre-approved¹ today with no commitment – it’s quick and easy.

Talk To a U.S. Mortgage Expert Get Pre-Approved

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. 2023

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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, 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 Offer may be withdrawn or changed at any time without notice.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, 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 every six (6) months. Example: 3-Year Adjustable Rate Mortgage (ARM) calculation assumes a $250,000 loan amount, 5.625% interest rate, 6.506% APR, with 20% down payment, amortized over 360 months = $1,439.14 monthly payment. Example: 5-Year ARM calculation assumes a $250,000 loan amount, 5.750% interest rate, 6.399% APR, with 20% down payment, amortized over 360 months = $1,458.93 monthly payment. Example: 7-Year ARM calculation assumes a $250,000 loan amount, 5.875% interest rate, 6.345% APR, with 20% down payment, amortized over 360 months = $1,478.84 monthly payment. Example: 10-Year ARM calculation assumes a $250,000 loan amount, 6.000% interest rate, 6.220% APR, with 20% down payment, amortized over 360 months = $1,498.88 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.

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