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Florida:

Verus Mortgage Capital|Angel Oak Mortgage Solutions|citadelservicing orp.|


sproutmortgage|ACC Mortgage|amerifund|BAC Florida Bank|emigrantmortgage|First
National Bank|Green Box Loans|HomeBridge Wholesale|Integrity First Financial
Group|Impacwholesale|Majestic Home Loans|Mega Capital Funding|MountainView
Correspondent|SG Capital Partners
Texas:
Verus Mortgage Capital|Angel Oak Mortgage Solutions|Citadel Servicing Corp|Sprout
Mortgage| ACC Mortgage|First National Bank|Green Box Loans|Home Bridge
WholeSale|Impac Wholesale|Integrity first|Majestic HomeLoans|Mountain View
Correspondent|SG Capital Partners|Washington Federal
Arizona:
Verus Mortgage Capital| Angel Oak Mortgage Solutions| Citadel Servicing Corp|
Sprout Mortgage| First National Bank of America| GreenBox Loans| HomeBridge
Wholesale|HomeExpressmortgage|Integrity First|Majestic HomeLoans|MountainView
Correspondent|SG Capital Partners|Washington Federal|Impac wholesale
New York
Verus Mortgage Capital|Sprout Mortgage|AmeriFund|Eastern Savings Bank|Emigrant
Mortgage|HomeBridge Wholesale|Impac Wholesale|Majestic Home Loans
California
Verus Mortgage Capital| Angel Oak Mortgage Solutions| Citadel Servicing Corp|
Sprout Mortgage|ACC Mortgage| First National Bank of America| GreenBox Loans|
HomeBridge Wholesale|HomeXpress Mortgage| IMPAC Wholesale|Majestic Home
Loans|Integrity First| MountainView Correspondent| SG Capital
Common across all 5:
Verus Mortgage Capital (5), SproutMortgage(5), HomeBridgeWholesale(5), Impac
Wholesale(5), Majestic Home Loans(5)
AngelOakMortgage Solutions(4),Citedal Servicing(4),First National Bank(4),GreenBox
Loans(4), Integrity First(4), Mountain View Correspondent(4),SG Capital(4)
ACC Mortgage(3)
Washington Federal(2), emigrantmortgage(2), AmeriFund(2)
,BAC Florida Bank(1), , ,Mega Capital Funding(1),), ,Eastern Savings
Bank(1),Emigrant Mortgage(1),HomeExpress Loans(1)

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

Passport and/or work visa


Social Insurance Card and/or U.S. Social Security Card
Verification of retirement income, if retired

Pay stub(s) reflecting 30 days and year-to-date income

Most recent two years of T4 and/or W2 forms (statement of wages paid)

If youre self-employed or own investment properties:

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.

Personal checking and savings


Line of credit if you are using those funds to close on your new home
RSP accounts (registered and/or non-registered)
Investments/brokerage if using for funds to close on home
http://www.rbcbank.com/borrowing-in-the-us/adjustable-rate-mortgages/index.html
BBVA

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