Mortgage Financing for Canadians in the U.S.A.
Invest in American real estate with financing designed for Canadians. From Florida vacation homes to multi-family investments, we connect you with U.S. lenders who understand cross-border transactions.
Strategy Call
Discuss your U.S. investment goals
Cross-Border Solution
Navigate U.S. lending as a Canadian
Fast Approval
Close on your U.S. property
U.S. Property Financing for Canadians
Buying property in the U.S. as a Canadian requires specialized knowledge. Most U.S. lenders don't understand foreign nationals. We connect you with those who do.
Cross-Border Specialists
We understand the unique challenges Canadians face when financing U.S. properties. No U.S. credit history? No problem-we have solutions.
Investment Property Focus
DSCR loans that qualify based on rental income, not your personal income. Perfect for Canadians building U.S. rental portfolios.
Vacation Home Financing
Own your Florida, Arizona, or California getaway. We finance vacation properties for Canadians across popular U.S. destinations.
Foreign National Loans
Specialized loan programs for non-U.S. citizens. Competitive rates without requiring a U.S. social security number or credit history.
No U.S. Tax Returns Needed
Bank statement programs and asset-based lending for Canadians who don't file U.S. taxes. Qualify using Canadian income documentation.
Entity Structuring Guidance
Advice on purchasing through LLCs for liability protection and tax efficiency. We work with cross-border accountants and attorneys.
Ready to invest in U.S. real estate?
Let's discuss your goals and find the right cross-border financing.
U.S. Mortgage Solutions for Canadians
From vacation homes to investment properties, we provide financing solutions tailored for Canadians buying in the United States.
Investment Property
DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income, not your personal income. Perfect for Canadians who want to invest without complex income verification.
Discuss this financing optionWhat's Included
- Qualify on rental income, not personal income
- No U.S. tax returns required
- Foreign national programs available
- Single-family to small multi-family
- Close in LLC for liability protection
What Our Clients Say
Questions About U.S. Mortgages for Canadians
Everything you need to know about financing U.S. property as a Canadian. Can't find your answer? Book a call with our team.
Getting Started
Yes! Many U.S. lenders offer foreign national loan programs specifically for Canadians. You don't need U.S. citizenship, a green card, or even a U.S. credit history to qualify.
Typically 25-30% for investment properties and vacation homes. Some programs may accept 20% down with stronger qualifications. Down payment must be sourced from verifiable funds.
Yes, you'll need a U.S. bank account for mortgage payments. We can recommend cross-border banking partners who make this easy for Canadians.
Qualification
DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income covering the mortgage payment, not your personal income. If the property's rent covers 1.0-1.25x the mortgage, you qualify. Perfect for Canadians who don't have U.S. income.
No. Foreign national programs don't require U.S. credit. Some lenders may use your Canadian credit report, while others use no-credit-score programs that qualify on other factors.
Typically: valid passport, proof of Canadian address, bank statements showing down payment funds, and potentially Canadian income verification. DSCR loans may only need an appraisal and rent schedule.
Rates & Terms
Foreign national rates are typically 1-2% higher than U.S. citizen rates. Expect rates in the 7-9% range depending on down payment, property type, and loan program. DSCR loans may have slightly higher rates.
Both are available. You can get 30-year fixed rates (most popular), 5/1 or 7/1 ARMs, or interest-only options. Fixed rates provide payment certainty across the long term.
Budget 2-5% of the purchase price for closing costs including appraisal, title insurance, attorney fees, and lender fees. Some costs vary by state.
Structure & Taxes
Many Canadians purchase through a U.S. LLC for liability protection and potential tax benefits. DSCR loans allow LLC ownership. Consult with a cross-border tax specialist for your specific situation.
U.S. rental income is taxable in the U.S., and you may have Canadian reporting requirements. FIRPTA withholding applies when you sell. We recommend working with a cross-border accountant.
Still have questions about U.S. mortgages?
Talk to an Expert