{"id":86860,"date":"2024-05-10T10:59:19","date_gmt":"2024-05-10T14:59:19","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=86860"},"modified":"2025-10-31T08:37:56","modified_gmt":"2025-10-31T12:37:56","slug":"own-u-s-property-heres-how-to-refinance-your-u-s-house","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\/own-u-s-property-heres-how-to-refinance-your-u-s-house\/","title":{"rendered":"Own U.S. Property? Here\u2019s How to Refinance Your U.S. House"},"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\">Own U.S. Property? Here\u2019s How to Refinance Your U.S. House<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Royal Bank of Canada<\/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=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/iStock-1446916058-How-to-refinance.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Senior woman filling out financial statements\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/iStock-1446916058-How-to-refinance.jpg 2121w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/iStock-1446916058-How-to-refinance.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/iStock-1446916058-How-to-refinance.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/iStock-1446916058-How-to-refinance.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/iStock-1446916058-How-to-refinance.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/iStock-1446916058-How-to-refinance.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\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=Own U.S. Property? Here\u2019s How to Refinance Your U.S. House &#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\/own-u-s-property-heres-how-to-refinance-your-u-s-house\/\">\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\/own-u-s-property-heres-how-to-refinance-your-u-s-house\/\">\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 May 10, 2024 \u2022 10 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 class=\"wp-block-paragraph\"><strong>If you own real estate in the U.S. and are looking to take advantage of the equity you may have built up in the property, refinancing can help you access U.S. funds. These steps can show you how to refinance a U.S. home and why refinancing may be a good move for you now.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While the real estate market in the U.S. has fluctuated over the last few years, particularly amid the pandemic and a rising interest rate environment, home values in snowbird hotspots have continued to rise. Homes in Florida, in particular, have retained value, even with recent volatility. If you\u2019ve owned a home in the U.S. for at least five years, chances are you\u2019ve built up significant equity with a rise in market prices across snowbird destinations.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One of the benefits of having built-up equity is that it offers some financial flexibility. Through refinancing or a Home Equity Line of Credit, for instance, you can access that equity in order to achieve a range of goals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re <a 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\/\" data-dig-id=\"LP-86860-cdbfb681\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"considering whether to refinance\" class=\"rbc-link-format\">considering whether to refinance<\/a>, but you\u2019re not sure where to start, these steps can show you how to refinance your house \u2013 and make the most of the equity that\u2019s built up over time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1.&nbsp; Get to know the types of refinancing available<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When looking at how to refinance your U.S. home, it\u2019s important to start with the fundamentals and understand what refinancing is and what your options are. To put it simply, refinancing is the process of replacing an existing mortgage with a new one. While there are several types of refinancing, there are two common types that are by far the most common, which will be covered here.&nbsp; The type you choose will depend on what your goals are.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Types of refinancing:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rate-and-term refinance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This option is for homeowners who don\u2019t want to cash out but rather want to lower their interest rate and\/or change the terms of their existing mortgage. With talk of interest rates coming down in the near future, this option could be appealing to those who are currently at a higher rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With rate-and-term refinancing, your new mortgage will be amortized over 30 years, as opposed to the typical 25 year maximum in Canada. It will also come with a new interest rate. Your regular mortgage payments would therefore reflect the new mortgage amount, interest rate and amortization.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Cash-out refinance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As the name suggests, a cash-out refinance 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\n\n\n<h3 class=\"wp-block-heading\">How cash-out refinancing works:&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">And your current home value is $450,000<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Because you may be able to borrow as much as 80 per cent of your home\u2019s 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<h3 class=\"wp-block-heading\">Here\u2019s a breakdown of the calculation:<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\n\n\n<p class=\"wp-block-paragraph\">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<h3 class=\"wp-block-heading\">2. Understand how you can benefit from a refinance&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Before starting the process of refinancing your U.S. house, it\u2019s worth understanding <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/thinking-of-selling-your-u-s-home-consider-these-5-questions-first\/\" data-dig-id=\"LP-86860-77998c45\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"what you\u2019ll get out of it\" class=\"rbc-link-format\">what you\u2019ll get out of it<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With a rate-and-term refinance, you could benefit from better cash flow, given you can sign on for a longer amortization period. By spreading out your mortgage payments over a longer period of time, each payment would be lower than before the refinance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With a cash-out refinance, you can pull money out of your home and get a lump sum to use <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/3-ways-to-use-the-equity-in-your-u-s-home\/\" data-dig-id=\"LP-86860-171615c1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"however you wish\" class=\"rbc-link-format\">however you wish<\/a>. Some popular ways to use cash from a refinance include:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Home renovations<\/strong>: One of the most common reasons to refinance is to access funds for improvements to an existing property.&nbsp; In effect, you\u2019re using your home\u2019s equity to improve its value. And, you get to enjoy a new kitchen, backyard, bathroom\u2026 or whatever you choose to upgrade!<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Move money back to Canada<\/strong>: With the U.S. dollar strong compared to the Canadian loonie, the money you pull out of your U.S. house can go a long way back home. Whether you have a child preparing for College or University, renovations to take care of in your Canadian home or lingering debt you\u2019d like to erase once and for all, U.S. funds can help you cover your Canadian obligations.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Cover U.S. expenses<\/strong>: As a Canadian spending time south of the border, you likely have to exchange money from Canada in order to fund your cross-border lifestyle. Unfortunately, you get hit with foreign exchange costs every time you do \u2013 and must swallow the unfavourable exchange rate that\u2019s been dogging Canadians for years. By accessing U.S. cash through your U.S. property, you can bypass foreign exchange costs to cover day-to-day expenses such as homeowner fees, groceries, fuel expenses, home maintenance and more. Plus, having a lump sum of U.S. cash on hand frees you from monitoring currency exchange rates and trying to time the market for your next exchange.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Determine how much equity you have<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The value of your home equity is the difference between the current market value of your home and the amount you owe on all loans secured by your house \u2013 such as your mortgage and any secured lines of credit. For example, if your home is worth $700,000 and you owe $150,000 on your mortgage, you have $550,000 in home equity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s worth doing some of your own research before starting the process, just to ensure what you <em>think<\/em> your home is worth is in fact aligned with the real market value of your home. Getting a home appraisal is usually a condition of the refinancing process, but looking at comparable (and recent) home sales in your neighbourhood and determining a realistic value is a great first step. It can give you an idea of how much equity you would be able to pull from your home \u2013 as well as peace of mind that this is a good move for you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Keep in mind, a general rule of thumb is that you\u2019ll need to have at least 20 per cent equity in your home to qualify for a new mortgage, as lenders typically only allow you to borrow up to 80 per cent of the equity in your home. &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Dig into the details \u2013 eligibility, cost and paperwork<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With some of the bigger questions answered, now is a good time to get into the nitty-gritty 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-questions-to-ask-yourself-before-you-refinance-your-u-s-mortgage\/\" data-dig-id=\"LP-86860-a78b48b8\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"determine if refinancing makes sense\" class=\"rbc-link-format\">determine if refinancing makes sense<\/a> for you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Eligibility<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For instance, before you move forward with a refinance, it\u2019s a good idea to check that you\u2019re in good enough financial shape to qualify for a new mortgage. You can <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/credit-reports-score\/order-credit-report.html\" target=\"_blank\" data-dig-id=\"LP-86860-314cd33d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"check your credit score\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">check your credit score<\/a> for free, and a cross-border mortgage specialist can help you determine if you would qualify for a mortgage. They can also help you decide if refinancing is a good move for you at this point in time.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Costs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Closing costs apply to a refinance just as they do to a home purchase, and they can range between two and five per cent of your mortgage amount. Because of the costs associated with refinancing a mortgage, consider how everything shakes out financially before you decide to move ahead. Will either lower mortgage payments and\/or a lump sum of cash be enough to offset the associated closing costs? Chances are they will, especially if your home has gone up in value or you\u2019re drawing out your amortization at a fast enough rate to have a meaningful impact on your monthly costs. All the same, it\u2019s important to understand what your closing costs will be, to budget for them and crunch the numbers to ensure refinancing still makes sense. &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Paperwork<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Since refinancing involves creating a new mortgage, you will go through an approval process that may feel similar to when you secured your mortgage the first time around. This means there is some paperwork required \u2013 you\u2019ll need to provide information such as proof of income, employment history, and account statements. And like with a new purchase, the home you are refinancing will be subject to an appraisal in order to confirm its current market value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Compare your options: selling versus refinancing &nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the reasons behind your refinance decision, you may also be weighing the option of selling your U.S. home. For instance, if cash flow is a concern or if you have significant financial obligations back in Canada, you may be wondering if it\u2019s better to sell versus refinance. If you\u2019re in the middle of this pros and cons list, here are some factors to consider:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Whether your home needs work<\/strong>. If you haven\u2019t done any upgrades on your U.S. property for a while, you may need to spend some time and money on your home before you put it on the market. As you assess your situation, you may determine you\u2019re better off to refinance and keep your home for now.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Home insurance costs<\/strong>. In some parts of the U.S., home insurance costs have risen considerably and are having an impact on affordability. Looking at your budget as a whole can help you decide what works best for you right now.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Tax implications<\/strong>. If you owned your property for at least a year and sell it for more than you paid for it, you\u2019ll need to pay capital gains tax on the difference \u2013 regardless of where you live and normally pay tax. Learn more about your tax obligations <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\/#:~:text=You'll%20be%20subject%20to,the%20time%20of%20the%20sale.\" data-dig-id=\"LP-86860-f8384246\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"here \" class=\"rbc-link-format\">here <\/a>\u2013 and consider speaking with financial, tax, legal and other professional advisors for advice on your individual situation to understand exactly what tax implications you may encounter should you decide to sell. &nbsp;&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">6. Work with a lender who can make it easy&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Refinancing your U.S. home as a Canadian can be a smart financial move, whether you\u2019re looking to reduce mortgage payments, access U.S. cash for your day-to-day expenses or fund other goals you may have. But it\u2019s an important decision that can have a long-term impact on your financial future, including your retirement planning. Speaking with a U.S. lender who understands Canadians and the intricacies of cross-border mortgage solutions can help you make a decision that\u2019s right for you. And, the right partner can help guide you through the process and the paperwork that comes with refinancing.&nbsp;&nbsp;<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block section-cool-white pos-rel  has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner mar-b-hlf pad-b-hlf\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block inner-section-cool-white section-inner  pad-b-0 pad-t-0 has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0x\">\n<div class=\"wp-block-columns  mar-b-0 is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r mob-mar-r-0 is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large mar-b-0\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/08\/SMB_Tip_5_-_Woman_doing_online_shopping.jpg?w=1024\" alt=\"Woman in cafe shopping online with laptop\" class=\"wp-image-24851\"\/><\/figure>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-dfaf179d-db91-4c74-83a2-f552e3dfb926\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n\n\n\n<div class=\"wp-block-column mar-r mob-mar-r-0 is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading mar-t-0 mar-b-0 pad-b mob-pad-b\" id=\"h-thinking-about-selling-your-u-s-property\">Thinking About Selling Your U.S. Property?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Leveraging your U.S. home equity can provide you access to U.S. dollars without having to sell your U.S. property<\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-dfc34d9f-5098-48fb-ae59-fc8312ab7d2e\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.rbcbank.com\/dms\/cross-border-banking\/us-equity-i-b.html?utm_source=Blog&amp;utm_medium=organic&amp;utm_campaign=MMM\" data-dig-id=\"LP-58132-5a0e1eee\" 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\n\n\t\n\t<div class=\"wp-block-tk-spacer id-5233b2e0-a12d-44cc-b501-2dec58bd5155\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/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 class=\"wp-block-paragraph\">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-5ddadb36-9f8d-415c-8f14-2aafb22c3cec\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b wp-block-paragraph\"><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=Own U.S. Property? Here\u2019s How to Refinance Your U.S. House &#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\/own-u-s-property-heres-how-to-refinance-your-u-s-house\/\">\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\/own-u-s-property-heres-how-to-refinance-your-u-s-house\/\">\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-63964663-b8b9-4eeb-89db-3ae30525d9dd\" 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\/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=\"\" 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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-dfaf179d-db91-4c74-83a2-f552e3dfb926 {\n\t\theight: 1px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-dfaf179d-db91-4c74-83a2-f552e3dfb926 {\n\t\t\theight: 24px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-dfc34d9f-5098-48fb-ae59-fc8312ab7d2e {\n\t\theight: 10px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-dfc34d9f-5098-48fb-ae59-fc8312ab7d2e {\n\t\t\theight: 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funds.<\/p>\n","protected":false},"author":80,"featured_media":86862,"parent":57291,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[60],"rbc_content_type":[31],"rbc_audience":[61],"rbc_lob_group":[122],"rbc_difficulty_level":[70],"rbc_mmm_category":[344,303,347,311],"class_list":["post-86860","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-real-estate","rbc_content_type-article","rbc_audience-youth","rbc_lob_group-cross-border","rbc_difficulty_level-intermediate","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":"","custom_author":"Royal Bank of Canada","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 v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"If you own real estate in the U.S. and are looking to take advantage of the equity you may have built up in the property, refinancing can help you access U.S. funds.\" \/>\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\/own-u-s-property-heres-how-to-refinance-your-u-s-house\/\" \/>\n<meta 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