Get Into a U.S. Home
and Enjoy up to $4,500
in Savings*, Disclaimer42
Get pre-approved for a U.S. mortgageDisclaimer8 using your Canadian credit history
- Takes 5 minutes with no impact to your credit score
- Get a response within 2 business days
- Pre-approvals are valid for 120 days
* Offer expires April 30, 2026.
Why Canadians choose RBC Bank
Whether you’re moving, investing or simply looking for a vacation home to escape the winter cold, we’ve got you covered with U.S. home financing tailor-made for Canadians.
Apply with your Canadian credit history
No need to build U.S. credit – we’ll take your credit history from either side of the border.
Apply with your Canadian credit history
No need to build U.S. credit – we’ll take your credit history from either side of the border.
Save up to $4,500 USD on closing costs
We don’t charge lender fees on U.S. mortgages – only until April 30, 2026.
Save up to $4,500 USD on closing costs
We don’t charge lender fees on U.S. mortgages – only until April 30, 2026
Earn up to $9,500 USD cash back
Close on a home with a qualifying U.S.-based real estate agent and get rewarded.Disclaimer38
Earn up to $9,500 USD cash back
Close on a home with a qualifying U.S.-based real estate agent and get rewarded.Disclaimer38
Keep it flexible and save
Our mortgages are flexible, so you don’t have to be.
Lower monthly payments
Choose between 3-, 5-, 7- or 10-year terms amortized
over 30 yearsDisclaimer25
Close from Canada or the U.S.
With remote closings, there’s no need to travel to close on your mortgage
No pre-payment restrictions
Make penalty-free lump sum payments at any time
Minimize upfront foreign
exchange costs
Convert just 20% of the home’s value for your downpayment
Get the VIP treatment and save $99.50 per year
We’ll waive the annual fee on our U.S. Premium Checking account for the duration of your mortgage.Disclaimer33 Your account comes with preferred exchange rates and unlimited transactions and cross-border transfers.Disclaimer1
Get the VIP treatment and save $99.50 per year
We’ll waive the annual fee on our U.S. Premium Checking account for the duration of your mortgage.Disclaimer33 Your account comes with preferred exchange rates and unlimited transactions and cross-border transfers.Disclaimer1
Handholding? We do that too
If it’s your first time buying U.S. real estate, you might need a little extra care and guidance. Lucky for you, we’ve got a full team of experts to guide you from thinking about a U.S. home to getting the keys.Disclaimer26
Handholding?
We do that too
If it’s your first time buying U.S. real estate, you might need a little extra care and guidance. Lucky for you, we’ve got a full team of experts to guide you from thinking about a U.S. home to getting the keys.Disclaimer26
Mortgages are different in the U.S., and we’ve got experts who are well-versed in the differences between Canadian and U.S. mortgages. Closing a U.S. mortgage takes 40-45 days, regardless of lender. Our cross-border mortgage advisors will help answer any questions you may have, assist you with your application and guide you through to closing.
Talk to an expertDon’t know a U.S. real estate agent? No problem! By enrolling with RBC U.S. HomePlusTM Rewards, you will be connected with a participating agent and can receive a cash reward of up to $9,500 when you close on a home. They're experts in helping Canadians buy U.S. property.
Connect with an agentAs you move through the process of buying a U.S. home, you may have questions about taxes, immigration, estate planning or the legal implications of your purchase. Our network of cross-border tax and legal experts can help you create a sound financial strategy, regardless of how you’ll use your home.
Connect with a tax and legal expertGetting home insurance as a Canadian in the U.S. can be challenging. As you move through the mortgage process with RBC Bank, you'll have online access to the Credible Insurance marketplace with 40+ insurance carriers to provide you with multiple quotes.Disclaimer41
Get insurance quotesPlay with the numbers
Mortgage payment calculator
Mortgage payment calculator
Estimate your monthly mortgage payment, including taxes and insurance.
Estimate monthly payment
Cash vs. financing calculator
Cash vs. financing calculator
Limit your initial investment to a down payment plus closing costs so you can preserve your Canadian equity and assets.
Calculate your upfront payment