U.S. Financing
Expand your services and support your clients with seamless cross-border financing solutions. Our tailored programs make it easy for Canadian buyers to secure U.S. property financing with confidence.
Unlock the Potential of U.S. Financing
With over 18 years of expertise in Canadian mortgages and 6+ years specializing in U.S. financing, we understand the unique needs of Canadian buyers. From retired snowbirds purchasing vacation homes to younger investors seeking opportunities in the U.S. market, the demand is growing rapidly.
In fact, Canadian investments in U.S. real estate have doubled in the past five years, with Canadians leading all foreign buyers, purchasing over $5.9 billion in U.S. properties last year.
Why Offer US Financing to Canadians?
Expand your offerings by providing U.S. financing solutions to Canadian clients and tap into a growing market. With our expert tools and real-time support, you can confidently meet cross-border needs and grow your business.
High Demand
40% of Canadian buyers require mortgage financing for U.S. properties, making this an in-demand service you can’t afford to miss.
Lucrative Market
9% of all Florida transactions involve foreign buyers, and Canadian buyers contribute to $1.3 billion in annual mortgage volume—an untapped opportunity for growth.
Cross-Border Expertise
Many agents lack the necessary licensing for U.S. financing, but licensed brokers can offer compliant, tailored services to meet these growing demands.
Flexible Financing Solutions To Meet Your Clients' Needs
Help your Canadian clients secure U.S. properties with ease through our tailored financing programs. Whether they’re purchasing rentals, making investments, or funding renovations, we provide competitive rates and expert guidance to simplify the process. Partner with us to offer seamless cross-border financing and elevate your real estate services.
Key Features of DSCR Loans
DSCR loans offer unmatched flexibility for Canadian buyers investing in U.S. rental properties. Clients can qualify using income from long-term or short-term rentals, with no limit on the number of units in their portfolio (up to 14 units per building). Options like interest-only payments or up to 40-year amortization provide added convenience, and there’s no need for U.S. credit or personal income verification. Plus, secured debt can be used for the down payment without impacting qualification ratios, making these loans an excellent choice for maximizing investment potential.
Eligibility Requirements
Understanding the documentation requirements is key to streamlining the application process for your clients.
Valid Foreign Passport
A valid foreign passport is required to apply.
Income Verification
For Full Doc loans, an accountant’s income letter is needed.
Financial Assets
Provide 2 months of statements for the down payment and 6–12 months of reserves.
Referral Opportunity for Agents
Earn up to 65 Bps (CAD) for each referral, with the potential to earn over $2,000 CAD on a $300,000 loan. Simply refer clients to brokers who understand Canadian needs and cross-border financing, making the process seamless and rewarding for both you and your clients.
Why Choose This Program?
With trusted expertise in both the Canadian and U.S. markets, we offer competitive financing solutions specifically tailored to Canadian buyers. Our program supports agents looking to expand their services beyond Canada, providing the tools and knowledge to confidently navigate cross-border transactions and meet the evolving needs of their clients.
