Your Path to US Property Ownership
We help Canadians navigate the complexities of financing real estate purchases in the United States with specialized loan solutions.
Vacation Homes
Find your perfect getaway
Investment Properties
Build your portfolio
Financing Solutions
Tailored for Canadians
Why Choose Our Specialized Loans
We understand the unique challenges Canadians face when buying US real estate. Our loan programs are specifically designed to address these needs.
Simplified Cross-Border Financing
Navigate complex international banking requirements with our streamlined cross-border financing solutions tailored for Canadian citizens.
Competitive Interest Rates
Access to competitive US mortgage rates typically not available to foreign nationals through traditional banking channels.
Flexible Down Payment Options
Various down payment options starting from 20% for vacation homes and 25% for investment properties based on your financial situation.
Multiple Property Types
Financing available for vacation homes, investment properties, condos, single-family homes, and multi-unit buildings across all US states.
Canadian Credit Considered
We consider your Canadian credit history and financial profile when determining loan eligibility, unlike most US lenders.
Expert Guidance
Our team specializes in US-Canadian transactions, providing expert guidance through every step of the financing process.
Our Simple Loan Process
We've streamlined the loan application process to make it as smooth as possible for Canadians purchasing real estate in the US.
Initial Consultation
Schedule a free consultation to discuss your financing needs, property goals, and financial situation. We'll explain the process and answer your questions.
Pre-Approval Application
Complete our streamlined pre-approval application. We'll collect your financial documents, review your Canadian credit, and verify your income sources.
Loan Pre-Approval
Receive your pre-approval letter outlining your buying power, interest rate options, and down payment requirements to confidently start your property search.
Property Selection
Work with your US real estate agent to find the perfect property. We can refer you to our network of Canadian-friendly agents who understand cross-border purchases.
Full Application & Underwriting
Once your offer is accepted, complete the full loan application. Our underwriters will review your file, order an appraisal, and prepare your loan for approval.
Closing & Keys
We coordinate with all parties for a smooth closing process. Sign documents, transfer funds, and receive the keys to your new US property!
Frequently Asked Questions
Get answers to common questions about financing US real estate purchases as a Canadian citizen.
Can Canadians get mortgages for US properties?
Yes, Canadians can obtain mortgages for US properties through specialized lenders like us who understand cross-border financing. We offer solutions specifically designed for Canadian citizens.
What documentation do I need as a Canadian?
You'll need proof of income (Canadian tax returns, employment letters), Canadian credit history, bank statements, identification, and proof of down payment funds. We guide you through the entire documentation process.
What down payment is required for Canadians?
Typically, Canadians need 20-30% down payment for US properties. Vacation homes usually require 20%, while investment properties need 25-30%. We offer various options based on your financial situation.
Do you consider my Canadian credit history?
Yes, we consider your Canadian credit history in our evaluation process, unlike many US lenders. We've developed systems to properly assess Canadian credit profiles for US loan applications.
What are the interest rates for Canadians?
Interest rates for Canadians typically range from 0.5-1.5% higher than rates for US citizens, depending on property type, down payment, and other factors. We work to secure you the most competitive rates available.
Can I finance income/rental properties?
Yes, we offer financing for investment and rental properties. We can even factor in potential rental income in your application, which can help qualify you for a higher loan amount.
Are there tax implications I should know about?
Yes, there are tax considerations for Canadians owning US property, including potential withholding taxes on rental income and estate planning. We recommend consulting with a cross-border tax specialist.
How long does the loan process take?
The typical timeline from application to closing is 30-45 days. Pre-approval can be obtained within 2-3 business days, allowing you to begin your property search with confidence.
Ready to Get Started?
Take the first step toward owning your dream US property. Fill out our pre-approval form below and one of our loan specialists will contact you within 24 hours.
Get Pre-Approved Today
Complete the form below to start your US property financing journey. Our loan specialists will contact you within 24 hours.