We Can Help You Buy A U.S. Home
Get pre-approved for a mortgage1 to know how much you can afford. Our U.S. homebuying process is built exclusively for Canadians to provide full-service support through every step.
Your pre-approval is good for 120 days
Special Offer
Save up to $4,500 USD in closing costs
RBC Bank doesn’t charge bank – or lender – fees on U.S. mortgages, which could save you thousands in total closing costs.2 Goodbye fees, hello sunshine. Apply by October 31, 2025.
Why you’ll 
our U.S. mortgages
- Get approved with your Canadian credit history
- Finance in all 50 states
- 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 a 20% down payment plus closing costs
- Enjoy the convenience of no payment restrictions — make penalty-free, lump-sum payments anytime
Special offer
Save up to $4,500 USD in closing costs on your U.S. mortgage with RBC Bank. Apply by October 31, 2025.
Apply online in less than 5 minutes:
- Use your Canadian credit history to apply
- Your pre-approval is good for 120 days
- Start shopping in all 50 states
Talk To a U.S. Mortgage Expert
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.
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RBC Bank (Georgia), N.A.
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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.
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Third party fees and fees related to other RBC Bank products or services may still apply. The $4,500 USD savings is for illustrative purposes only and includes examples of fees that other financial institutions typically charge foreign homebuyers in the U.S., including:
- Typical origination fee of 0.50% to 1% of the loan amount
- Typical application fee of $950 USD
- Typical processing fee of $950 USD
- Typical commitment fee of $500 USD
- Typical underwriting fee of $500 USD
- Typical foreign national premium of 1% to 2% of the loan amount
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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.