Access financing of up to 90% LTV with a streamlined approval process designed specifically for Canadians investing in U.S. real estate.
Cross-border lending specialist. Replies within one business day.
We'll match you to the program that fits your goals — whether you're buying a vacation home, your first U.S. rental, or scaling a portfolio.
The flagship program for Canadians buying U.S. property. Streamlined approval with competitive rates designed for Canadian investors.
Qualify on the property's rental income — not your personal income. Great for scaling beyond your first rental.
Snowbird-friendly financing for personal-use properties in Florida, Arizona, California, and beyond.
Programs, rates, and LTVs are subject to lender guidelines, credit profile, property type, and market. Final terms confirmed in your written quote.
We've streamlined the requirements so Canadian investors can focus on finding the right U.S. property — not gathering paperwork. We can also arrange Canadian mortgage/access Canadian equity, your one stop shop – we handle it all.
In most cases, traditional income documentation is not required, helping Canadian investors qualify through a simplified process.
Higher leverage, fewer hoops, and a streamlined approval process designed specifically for Canadians buying U.S. real estate.
Higher leverage than most cross-border programs. Keep more capital working for you.
Skip traditional income paperwork. Qualify through a streamlined process built for Canadian investors.
Very competitive rates — often better than what Canadian banks offer for U.S. property purchases.
Pre-approval in 48–72 hours with a clear, predictable path from application to closing.
Financing for single-family, condos, multi-unit properties, and short-term rentals.
A program built around Canadian credit, banking, and tax structures — not a generic foreign national loan.
Close remotely from Canada with guidance on LLCs, holding structures, and cross-border tax planning.
Experienced Canada & US licenced mortgage broker, meaning we can arrange mortgages both North and South of the border, assisting you with all of your cross Border financing needs.
A clear, predictable path designed for Canadian investors.
15-min consult with Alex to map your goals, budget, and target U.S. market.
Submit Canadian credit, ID, and bank statements. Pre-approval in 48–72 hours.
We coordinate with your U.S. realtor and structure the offer with proof of funds.
Sign remotely, wire your down payment, receive keys. Typical close: 21–30 days.
Alex has spent over a decade structuring U.S. mortgages for Canadian investors — from first-time vacation rental buyers in Florida to seasoned portfolio builders across Arizona, Texas, and California. He knows the paperwork, the timeline traps, and the lender relationships that get deals done.
Three common Canadian-buyer situations and the exact program structure we'd recommend.
Illustrative scenarios for educational purposes. Actual rates, LTVs, and structures vary by borrower profile, property, and lender approval.
Most U.S. lenders treat Canadians as an exception. We've built our entire program around them — the paperwork, the timelines, the tax structures, and the lender relationships that turn a complicated cross-border purchase into a predictable closing.
A decade of structuring U.S. mortgages exclusively for Canadian buyers — we know the lenders that say yes and the structures that protect you long-term.
You'll know your numbers before you commit. We send a written quote with the full cost breakdown, FX exposure, and timeline so there are no surprises at the closing table.
Higher leverage, fewer hoops, and a remote-first closing process designed specifically for buyers living north of the border.
New to buying in the U.S.? Read our step-by-step guide to U.S. mortgages for Canadians.
No. We use your Canadian credit history (Equifax Canada) along with banking, employment, and asset documentation.
Up to 90% depending on property type, location, and your profile. Most Canadian programs cap at 65–70% — we typically beat that.
No. You can sign at a Canadian notary, U.S. consulate, or via approved remote online notarization where allowed.
Both work. Alex will walk you through the trade-offs (liability, tax, estate planning) and connect you with a cross-border CPA if needed.
Typically 20–25% down plus closing costs (~3–5%) and reserves. We'll outline the exact numbers in your pre-approval.
Pre-approval in 48–72 hours. From accepted offer to keys, plan on 21–30 days.