Canadians: finance your US home with your Canadian income and documents.
No US credit, US income or US address? Most American lenders stop there. We connect you with a loan officer who reviews your Canadian paperwork through US-style underwriting and works with Canadian buyers every day.
You're all set, .
A specialist will text you shortly with your free guide. Want to skip the wait?
Book a 15-minute callYour Canadian paperwork, mapped to US underwriting.
Your specialist maps each Canadian document to its US equivalent, so your real income counts.
| Your Canadian document | US equivalent |
|---|---|
| T4 Statement of Remuneration | W-2 |
| T1 return / Notice of Assessment | Form 1040 |
| T2 corporate return | Form 1120 |
| T2125 business & professional activities | Schedule C / K-1 |
| T5 investment income | Schedule B / D |
| T776 rental income | Schedule E |
| T5013 partnership income | Form 1065 |
| T4A pension, retirement & annuity income | Social Security / pension award letter |
What you'll need
- Valid passport and driver's license — bring both to closing
- Notices of Assessment for the past two years, plus: salaried — T4s and a pay stub covering the last 30 days; self-employed — T1 General or NOA; retired — pension statements showing income continues 3+ years, plus T1 General
- Signed purchase and sale agreement
- Proof of down payment from your own (not borrowed) funds: deposit on offer, two months of Canadian bank statements, other liquid assets, or a gift letter
- Homeowner's insurance at closing, plus flood/hurricane/wind coverage where required
- Documents in French need an English translation
What's different from buying in Canada
It takes longer
US closings involve more steps, so start early.
You must close in the US
You, or someone holding your power of attorney, must be present in the US for closing.
Budget for insurance
Florida and Gulf Coast properties often require separate flood, hurricane or wind policies.
Popular with
- Snowbirds buying a winter home in Florida or Arizona
- Families buying a vacation property
- Canadians planning part-time US retirement
Also plan for
- Exchange rates. When and how you move funds affects your real cost.
- Cross-border taxes. US estate tax exposure, tax on resale (FIRPTA) and rental income reporting. We recommend a cross-border tax professional.
The Canadian's Guide to Financing a US Home
The full document checklist, the Canadian-to-US document map, a closing timeline and insurance tips.
Canadian buyer FAQ
Do I need US credit history?
No. Your Canadian documents are reviewed through US-style underwriting.
Do I need to be in the US to close?
Yes — either you or someone holding your power of attorney.
I'm retired. Can I qualify?
Yes, with pension statements showing the income continues for at least three years, plus your T1 General.
Can my down payment be a gift?
Yes, with a gift letter.
Can I get help in French?
Yes. French-language documents are accepted with an English translation, and we can arrange support in French.