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RBC
Canadian credit history. We'll use your Canadian credit history to help you secure
your loan.
No pre-payment penalties. You can repay your mortgage at any time.
We get to know you. For RBC Royal Bank clients, we'll review your full RBC
relationship to know as much as we can about you.
We "speak Canadian". By specializing in real estate lending for Canadians, our
dedicated Cross-Border Mortgage Team expertly guides you through the differences
between the U.S. and Canada and put the process in terms you understand.
No foreign national premium fee. Many U.S. banks charge Canadians a foreign
national premium, which can add 1 to 3% to your mortgage rate. RBC Bank never
charges a foreign national premium
Typical Closing Time-45 days
RBC Bank offers 3-year, 5-year, and 7-year adjustable rate mortgages (ARMs)
amortized over 30 years
finance primary and secondary homes and certain investment properties (for
existing RBC Royal Bank clients).
Mortgage Documentation Checklist
Getting a mortgage is different in the U.S. than what you may have experienced in
Canada. To help you navigate the process, heres a convenient list of the documents
that may be needed to complete your U.S. mortgage application.
Copies of your
Most recent two years of T1 (personal tax return) and/or 1040 Form (individual
income tax return) including ALL schedules
Most recent two years of T2 and/or Form 1120 (corporation income tax return)
including ALL schedules
Trust documents
In an LLC/HoldCo, articles of incorporation and attorney opinion letter
For purchases under contract, a copy of the executed Purchase Contract as well
as all addenda
Most recent 12-month mortgage payment history, mortgage and line of credit
statements for all properties owned in Canada or abroad
Most recent insurance and property tax statements for all properties owned in
Canada or abroad
Most recent two months of statements (to include all pages, even if blank) each
account you hold for the account types below. Statements must include your name,
account number, bank name, beginning and ending balances, and time period.