Let Us Help You Buy Your U.S. Dream Home

Get pre-approved for a mortgage¹ to know how big you can dream. From dreaming to doorstep — 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

Get Pre-Approved

Talk To a U.S. Mortgage Expert

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 April 30, 2025.

Why you'll our U.S. mortgages

We can approve you based on your Canadian credit history and provide financing from coast to coast – in all 50 states! Plus, you can save up to $4,500 USD in closing costs because we won't charge you bank or lender fees on your U.S. mortgage.² Still not convinced?

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

Tools & calculators

U.S. mortgage rates

U.S. mortgage rates are still relatively low, making it a great time to buy

View Rates

Mortgage payment calculator

Find out how much your mortgage payments will be

Play With The Numbers

RBC U.S. HomePlus^TM Advantage

A team of experts to guide you every step of the way

RBC U.S. HomePlus Advantage provide access to:

A team of cross-border real estate, tax, legal, insurance and financing experts⁴
A free guide to buying a U.S. home
Six U.S. homebuying webinars from our experts, including the latest U.S. economic update from our chief economist

Get The Advantage

Shop with confidence. Get pre-approved.¹

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

Get Pre-Approved

Talk To a U.S. Mortgage Expert

Special Offer

So long mortgage fees,² hello dream home

Save up to $4,500 USD in closing costs on your U.S. mortgage with RBC Bank. Apply by April 30, 2025.

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.

RBC Bank (Georgia), N.A.

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.

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

To qualify for this offer, a full and complete mortgage application must be submitted by April 30, 2025. Mortgages must fund within 120 days of the application date. Offer may be withdrawn or changed at any time without notice. Offer is only available to the following clients: new RBC Bank mortgage (first or second homes), investment properties and refinance on a property that is owned free and clear. May not be combined with any other special offers.

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.