{"id":57448,"date":"2024-10-25T14:12:08","date_gmt":"2024-10-25T18:12:08","guid":{"rendered":""},"modified":"2025-10-31T08:42:43","modified_gmt":"2025-10-31T12:42:43","slug":"investing-in-the-u-s-how-to-set-yourself-up-for-financial-success","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\/investing-in-the-u-s-how-to-set-yourself-up-for-financial-success\/","title":{"rendered":"Investing in the U.S.: How to Set Yourself Up for Financial Success"},"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\">Investing in the U.S.: How to Set Yourself Up for Financial Success<\/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\/Thumbnail-default-602.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"A couple looking out the window\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-602.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-602.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-602.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=Investing in the U.S.: How to Set Yourself Up for Financial Success &#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\/investing-in-the-u-s-how-to-set-yourself-up-for-financial-success\/\">\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\/investing-in-the-u-s-how-to-set-yourself-up-for-financial-success\/\">\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 October 25, 2024 \u2022 6 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>For Canadians transitioning to life in the U.S., feeling truly settled can take time. One way to build a sense of security is to become financially invested in your new home.&nbsp;<\/p>\n\n\n\n<p>Now that you\u2019re past wondering&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/travelling-and-shopping-in-the-us\/moving-to-the-u-s-from-canada-part-1-the-good-the-bad-and-the-taxes\/\" data-dig-id=\"LP-57448-d152de1b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"how to move to the U.S. from Canada\" class=\"rbc-link-format\">how to move to the U.S. from Canada<\/a>, it\u2019s time to plan your future south of the border. Taking steps to establish your financial foundation&nbsp;\u2014&nbsp;including investing in the U.S.&nbsp;\u2014&nbsp;may help you thrive in your new country. Here are some tips that can help you make smart decisions and set yourself up for financial success.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Consider financing your U.S. home<\/h2>\n\n\n\n<p>Many Canadians still believe the only way to buy a U.S. property is to pay for it fully in cash. But the reality is that Canadians can finance a U.S. property \u2014 and in fact, it might be a cost-effective way for you to buy a U.S. home. Consider this: By converting just your 20% down payment plus closing costs, you may reduce the upfront impact of foreign exchange costs. And, since there are no pre-payment restrictions on most U.S. mortgages, you\u2019re not on the hook for any penalties should you sell your home and move back to Canada&nbsp;\u2014&nbsp;or anywhere else in the United States.&nbsp;<\/p>\n\n\n\n<p>Concerned about meeting the requirements for a mortgage as a Canadian? Don\u2019t be.&nbsp;<a href=\"https:\/\/www.rbcbank.com\/cross-border\/us-mortgages.html\" data-dig-id=\"LP-57448-72ccd3d9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Bank\" class=\"rbc-link-format\">RBC Bank<\/a>&nbsp;uses your Canadian credit history to qualify you for a U.S. mortgage.<sup>1<\/sup>&nbsp;Your cross-border mortgage advisor can also walk you through the differences between Canadian and U.S. mortgages and guide you throughout the process \u2014 from getting a pre-approval (to help you determine your budget) to arranging for appraisals and title searches to closing on your new U.S. property.<\/p>\n\n\n\n<p>Be sure to give yourself plenty of time to go through the home-buying process. There are a few differences between securing a mortgage in the U.S. and Canada. For example, applying for and securing a mortgage in Canada may take just a few days, but this process often takes 45-60 days in the U.S.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Investing in the U.S. goes beyond saving your U.S. dollars<\/h2>\n\n\n\n<p>Once you move to the U.S., it cam help your long-term goals to keep up an investment plan that is properly designed, balanced, diversified and built with you in mind. Your financial objectives might shift once you move to the U.S., so you\u2019ll want your investment plan to evolve along with you. If you\u2019re leaving investments in Canada (as many Canadians do), these investments ideally need to be integrated into your overall plan.<\/p>\n\n\n\n<p>Working with a cross-border professional can help ensure that your investments align with your goals, that you\u2019re taking advantage of U.S. investment opportunities, and that your Canadian and U.S. investments are working in sync.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">You\u2019ll have to file your taxes somewhere<\/h2>\n\n\n\n<p>As a Canadian citizen living in the U.S., you may wonder where you\u2019ll need to pay taxes&nbsp;\u2014&nbsp;Canada, the U.S., or both? Will you have a tax liability in each country?<\/p>\n\n\n\n<p>These are common questions for Canadians living across the border. What\u2019s important to remember is that the Canadian tax system is based on your residency status. This means that regardless of your Canadian citizenship, you can cease Canadian residency for tax purposes if you sever most, if not all, of your ties to Canada. This could involve selling or renting out your primary residence and having your spouse and children leave Canada with you or soon after.<\/p>\n\n\n\n<p>As a non-resident of Canada, you will pay tax on Canadian source income only. That is, the income you earn within Canada. Here are some other tax considerations to keep in mind:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">You may be treated as a resident of the U.S. for tax purposes<\/h2>\n\n\n\n<p>If you meet the&nbsp;<a href=\"https:\/\/www.irs.gov\/individuals\/international-taxpayers\/us-tax-residency-green-card-test\" target=\"_blank\" data-dig-id=\"LP-57448-b30db898\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Lawful Permanent Resident Test\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Lawful Permanent Resident Test<\/a>&nbsp;(which generally means you have a green card) or you pass the&nbsp;<a href=\"https:\/\/www.irs.gov\/individuals\/international-taxpayers\/substantial-presence-test\" target=\"_blank\" data-dig-id=\"LP-57448-20c08ea7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Substantial Presence Test\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Substantial Presence Test<\/a>. This is a calculation which tells you, based on the amount of time you have spent in the U.S. over the last three years, whether you are, in fact, considered a U.S. resident for tax purposes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">You may need to file a &#8220;part-year&#8221; tax return in Canada<\/h2>\n\n\n\n<p>If you leave Canada partway through the year and are considered to cease Canadian residency, you will likely have to file a resident Canadian tax return and report your worldwide income for the portion of the year that you were a resident of Canada. This is usually called your part-year tax return.&nbsp;<\/p>\n\n\n\n<p>When you stop being a Canadian resident, it\u2019s as if you have sold most, if not all, of your assets&nbsp;\u2014&nbsp;and any gains will be included in your worldwide income. If you are not considered to cease Canadian residency, you will continue to file income tax returns in Canada pretty much as you had before your move.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">You&#8217;ll need to file a U.S. tax return if you\u2019re a U.S. resident<\/h2>\n\n\n\n<p>If you\u2019re considered a resident of the U.S. you will be taxed on worldwide income in the same way other U.S. citizens are and will be required to file a tax return by April 15<sup>th<\/sup>&nbsp;of each year (or the next business day) unless you file for an extension. The&nbsp;<a href=\"https:\/\/www.canada.ca\/en\/department-finance\/programs\/tax-policy\/tax-treaties\/country\/united-states-america-convention-consolidated-1980-1983-1984-1995-1997.html\" target=\"_blank\" data-dig-id=\"LP-57448-d2bda45a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Canada \u2013 U.S. Tax Treaty\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Canada \u2013 U.S. Tax Treaty<\/a>&nbsp;helps to reduce double taxation.<\/p>\n\n\n\n<p>Taxes can be complicated, and managing them in two countries may be even more difficult. But you don\u2019t have to tackle this alone. A&nbsp;<a href=\"https:\/\/www.rbcbank.com\/cross-border\/us-mortgages\/tax-legal-directory.html\" data-dig-id=\"LP-57448-786b0eeb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"cross-border tax expert\" class=\"rbc-link-format\">cross-border tax expert<\/a><sup>2&nbsp;<\/sup>can help ensure your assets, estate plan and taxes are structured in a way that benefits you and your family. They can also help ensure that when investing in the U.S., you can make the most of the investment opportunities that exist for you while you\u2019re living south of the border.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile pad-t-hlf pad-b-hlf pad-l-hlf pad-r-hlf mar-b-hlf has-cool-white-background-color has-background\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"744\" height=\"502\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2021\/06\/Capture_79d43a.png?quality=80&amp;w=744\" alt=\"A happy family\" class=\"wp-image-90143 size-full\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2021\/06\/Capture_79d43a.png 744w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2021\/06\/Capture_79d43a.png?resize=300,202 300w\" sizes=\"auto, (max-width: 744px) 100vw, 744px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h3 class=\"wp-block-heading\" id=\"h-moving-to-the-u-s\">Moving to the U.S.?<\/h3>\n\n\n\n<p>Sign up for our cross-border bundle to set yourself up before you head south!<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcbank.com\/dms\/cross-border\/canadians-moving-to-the-us-s-or.html?utm_source=Blog&amp;utm_medium=organic&amp;utm_campaign=MMM\" data-dig-id=\"LP-57810-6dd4a1fc\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format goto-link\" data-icon-class=\"goto-link\">Learn More<\/a><\/p>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-xs-font-size\"><sup>1<\/sup> 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\u2019s 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.<\/p>\n\n\n\n<p class=\"has-text-xs-font-size\"><sup>2<\/sup> Consult your financial, tax, legal, and other professional advisors prior to applying for a U.S. mortgage.<\/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-b0b6fe44-5e44-496b-a0e6-3a3f025e31da\" 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=Investing in the U.S.: How to Set Yourself Up for Financial Success &#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\/investing-in-the-u-s-how-to-set-yourself-up-for-financial-success\/\">\n      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  <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-9be41975-4a5b-421c-84bd-606e5aa834f8\" 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 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https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Selling_your_US_property_Thumbnail-default.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Selling_your_US_property_Thumbnail-default.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\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\/buying-or-refinancing-a-us-property\/\">\n\t\t\t\t\t\tBuying or Refinancing a US 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\/selling-your-u-s-property-5-things-canadians-need-to-know\/\" class=\"card-title h4 mar-t-0\">Selling Your U.S. Property? 6 Things Canadians Need to 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, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg?resize=768,502 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg?resize=1024,670 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg?resize=1536,1005 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/08\/iStock-902803740.jpg?resize=2048,1340 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\/buying-or-refinancing-a-us-property\/\">\n\t\t\t\t\t\tBuying or Refinancing a US 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-b0b6fe44-5e44-496b-a0e6-3a3f025e31da {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-b0b6fe44-5e44-496b-a0e6-3a3f025e31da {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-9be41975-4a5b-421c-84bd-606e5aa834f8 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-9be41975-4a5b-421c-84bd-606e5aa834f8 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Discover ways to invest in your U.S. lifestyle and make the most of financial opportunities south of the border.<\/p>\n","protected":false},"author":10,"featured_media":52583,"parent":57291,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[57,60],"rbc_content_type":[31],"rbc_audience":[],"rbc_lob_group":[122],"rbc_difficulty_level":[33],"rbc_mmm_category":[344,303,347,311],"class_list":["post-57448","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-home-ownership","tag-real-estate","rbc_content_type-article","rbc_lob_group-cross-border","rbc_difficulty_level-beginner","rbc_mmm_category-buying-or-refinancing-a-us-property","rbc_mmm_category-goals-aspirations","rbc_mmm_category-living-in-the-us","rbc_mmm_category-travel-and-cross-border"],"acf":{"contently_publication_id":"290950","custom_author":"Diane Amato","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","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=\"Discover ways to invest in your U.S. lifestyle and make the most of financial opportunities south of the border.\" \/>\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\/investing-in-the-u-s-how-to-set-yourself-up-for-financial-success\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" 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