{"id":57444,"date":"2022-02-22T13:16:00","date_gmt":"2022-02-22T13:16:00","guid":{"rendered":""},"modified":"2026-02-25T10:17:01","modified_gmt":"2026-02-25T15:17:01","slug":"refinancing-your-u-s-home","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/refinancing-your-u-s-home\/","title":{"rendered":"Refinancing Your U.S. Home"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\">\n\t\t\t\t\t\t\t<span>Real Estate<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Refinancing Your U.S. Home<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Refinancing_Your_U.S._Home_Thumbnail-default_402x.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Refinancing_Your_U.S._Home_Thumbnail-default_402x.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Refinancing_Your_U.S._Home_Thumbnail-default_402x.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Refinancing_Your_U.S._Home_Thumbnail-default_402x.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Refinancing Your U.S. Home &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/refinancing-your-u-s-home\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/refinancing-your-u-s-home\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published February 22, 2022 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>There are several reasons you might choose to refinance your U.S. property \u2014 to reduce your mortgage payments, to take advantage of a lower interest rate, or to pull cash out of your home to fund a home renovation project or pay off other, higher-interest debt.<\/p>\n\n\n\n<p>While rates are still relatively low in the U.S., now might be a great time to refinance your mortgage. By paying off your existing mortgage with a new loan, you could enjoy a lower interest rate and take advantage of the equity you&#8217;ve built up in your home. But how does it work in the U.S.?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-refinance-your-mortgage\">Why refinance your mortgage?<\/h2>\n\n\n\n<p>First, here are three great reasons to refinance now:<\/p>\n\n\n\n<p>1. <strong>You\u2019ll get a lump sum of cash.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-left\">With a cash-out refinance, you can pull money out of your home and get a lump sum to use however you wish. This is a great opportunity to take on home renovations, pay off debt in Canada, or cover U.S. expenses with a low-cost borrowing option.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>2. <strong>You benefit from the increased value.<\/strong>&nbsp;If you bought your home several years ago, it has likely gone up in value. Why wait to reap the benefits of this increase? By refinancing, you can take advantage of the rise in property value now.<\/p>\n\n\n\n<p>3. <strong>The U.S. dollar is currently strong.<\/strong>&nbsp;The U.S. dollar continues to hold strong against the loonie. That\u2019s not always great news for Canadians, but if you bought your property when the U.S. and Canadian dollars were even, your home has likely grown in value simply as a result of the exchange rate. What\u2019s more, since any money you pull out of your home is in U.S. dollars, you have the opportunity to bank a sum of U.S. cash, saving you the need to convert Canadian funds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-two-types-of-refinancing\">Two types of refinancing<\/h3>\n\n\n\n<p>Refinancing is simply the process of replacing an existing mortgage with a new one.<\/p>\n\n\n\n<p>There are two main types of refinancing:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>The Rate and Term<\/strong>&nbsp;option is to lower your interest rate and\/or change the terms of your existing mortgage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>A Cash-Out Refinance<\/strong>, as the name suggests, allows you to pull money out of your mortgage. This process involves tapping into your equity and taking out a larger mortgage than what you currently owe. You receive the difference as a lump sum of cash that you can use for other purposes.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-how-cash-out-refinancing-works\">How cash-out refinancing works:<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Say your current mortgage amount is $300,000<sup>*<\/sup><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>And your current home value is $450,000.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Because you may be able to borrow as much as 80 per cent of your home&#8217;s value, given the figures above, you would be in a position to pull $60,000 out of your home by refinancing.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapsefd947702\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapsefd947702\" data-dig-id=\"LP-57444-fd947702\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\" \u201cI want to see how this is calculated.\u201d\"><span> \u201cI want to see how this is calculated.\u201d<\/span><span> \u201cI want to see how this is calculated.\u201d<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapsefd947702\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\"><\/div>\n\n\n\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>80 per cent of $450,000 is $360,000. The difference between what you can borrow ($360,000) and what you owe ($300,000) is $60,000.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>This cash-out amount would then be added to the current mortgage balance of $300,000, giving you a new total balance of $360,000 \u2014 and $60,000 in U.S. cash in hand.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n\n\n\n<p>&nbsp;<br>Remember, your old mortgage will be replaced by a new one of $360,000, which would come with a new amortization period (up to 30 years) and a new interest rate. What could this mean for your mortgage payments? The scenario above may actually mean you can take $60,000 of cash out of your home without an increase in monthly payments, due to a fresh amortization period and potentially lower rates.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-paperwork-required\">Paperwork required<\/h4>\n\n\n\n<p>Since refinancing involves creating a brand-new mortgage, you will go through an approval process that may feel similar to when you secured your original mortgage. For this reason, you will need to provide some of the same paperwork to get approved \u2014 such as your proof of income, employment history, and account statements. And <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/5-benefits-of-financing-your-u-s-home-purchase\/\" data-dig-id=\"LP-57444-f64e880f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"like with a new purchase\" class=\"rbc-link-format\">like with a new purchase<\/a>, the home you are refinancing will be subject to an appraisal in order to confirm its current market value.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-the-cost-of-refinancing\">The cost of refinancing<\/h4>\n\n\n\n<p>Closing costs are part of the reality of financing a home. They are also a reality of refinancing and can range between 2 and 5 per cent of your mortgage amount.<\/p>\n\n\n\n<p>If your home has gone up in value or you&#8217;re refinancing during a period of lower interest rates, the equity you are tapping into \u2014 and\/or the money you&#8217;re saving on a lower interest rate \u2014 may more than offset these costs. The important thing is to understand what your closing costs will be, budget for them, and do the math to ensure refinancing is still a good financial move for you.<\/p>\n\n\n\n<p>Home refinancing can be a great way to reduce your mortgage payments or leverage the value of your home to cover key expenses or pay off debt. Just be sure to consider the reasons, realities and costs of refinancing in advance.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-grey-border-color has-light-grey-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"h-want-to-learn-more-about-using-your-home-equity\">Want to learn more about using your home equity?<\/h4>\n\n\n\n<p class=\"has-text-align-center\">See how you can take advantage of your home\u2019s appreciation and put your U.S. equity.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button  is-style-primary primary btn before\"><a class=\"wp-block-button__link has-text-align-left wp-element-button\" href=\"https:\/\/www.rbcbank.com\/cross-border\/us-equity-refinance.html?utm_source=DL&amp;utm_medium=organic&amp;utm_campaign=DL&amp;utm_content=refiushome\" data-dig-id=\"LP-57444-0846bf56\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Discover U.S. Home Equity Solutions-https:\/\/www.rbcbank.com\/cross-border\/us-equity-refinance.html?utm_source=DL&amp;utm_medium=organic&amp;utm_campaign=DL&amp;utm_content=refiushome \">Discover U.S. Home Equity Solutions<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p>*All figures in USD.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-867e1ae4-8234-4e77-a6b1-eb3723bb1dc3\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Refinancing Your U.S. Home &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/refinancing-your-u-s-home\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/refinancing-your-u-s-home\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-9bfce693-8e03-4739-8d95-b76649f95eff\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/home-ownership\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Home Ownership<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Real Estate<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Selling_your_US_property_Thumbnail-default.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Selling_your_US_property_Thumbnail-default.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Selling_your_US_property_Thumbnail-default.jpg?resize=300,200 300w, 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Know<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"670\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A house in Florida\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg 2140w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg?resize=300,196 300w, 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Property\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/canadians-chasing-sun-fun-and-savings-what-american-real-estate-trends-reveal\/\" class=\"card-title h4 mar-t-0\">Canadians Chasing Sun, Fun and Savings: What American Real Estate Trends Reveal<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"494\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Refinancing_Your_U.S._Home_Banner-wide_402x-scaled-1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A woman in a doorway\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Refinancing_Your_U.S._Home_Banner-wide_402x-scaled-1.jpg 2560w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Refinancing_Your_U.S._Home_Banner-wide_402x-scaled-1-300x145.jpg 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Refinancing_Your_U.S._Home_Banner-wide_402x-scaled-1-1024x494.jpg 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Refinancing_Your_U.S._Home_Banner-wide_402x-scaled-1-768x371.jpg 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Refinancing_Your_U.S._Home_Banner-wide_402x-scaled-1-1536x742.jpg 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Refinancing_Your_U.S._Home_Banner-wide_402x-scaled-1-2048x989.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/\">\n\t\t\t\t\t\tLiving in the US\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/cash-out-refinancing-equity-options-for-your-u-s-home\/\" class=\"card-title h4 mar-t-0\">Cash-Out Refinancing: Equity Options for Your U.S. Home<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-867e1ae4-8234-4e77-a6b1-eb3723bb1dc3 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-867e1ae4-8234-4e77-a6b1-eb3723bb1dc3 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-9bfce693-8e03-4739-8d95-b76649f95eff {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-9bfce693-8e03-4739-8d95-b76649f95eff {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Learn about the benefits and costs of refinancing your U.S. 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Amato","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Learn about the benefits and costs of refinancing your U.S. property.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/refinancing-your-u-s-home\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Learn about the benefits and costs of refinancing your U.S. 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