U.S. Vacation Home for Canadians
Owning property in the U.S. is within reach for Canadians with the right financing strategy. Depending on your circumstances, you may be able to leverage the equity in your Canadian home or obtain financing directly through a U.S. lender.
SFC helps Canadians understand and compare their financing options so they can choose a structure that fits their goals. From reviewing available loan programs to navigating cross-border requirements, we provide guidance and support throughout the financing process.
Financing Options
Canadians purchasing U.S. vacation homes have flexible financing options, whether buying with cash or using U.S. mortgage programs designed for non-resident Canadians. We help Canadian vacationers understand available mortgage options, documentation needs, and how financing decisions can impact travel flexibility, ownership structure, and overall costs—so you can enjoy your U.S. home with clarity and confidence.
Equity Take-Out
Access the equity in your Canadian home to help fund the purchase, renovation, or investment of a U.S. property. SFC can help you explore available financing options in Canada and structure your borrowing so the process is clear and straightforward from start to finish.
U.S. Financing
Canadians may qualify for financing directly through a U.S. lender using a Foreign National Loan Program designed for non-U.S. residents. These programs can offer flexible qualification options, competitive financing, and loan structures tailored to Canadians purchasing or investing in U.S. real estate.
SFC helps you compare available programs and navigate the U.S. financing process from application through closing.
Ownership Structure
Choosing the right ownership structure impacts taxes, liability, and estate planning, and we help you select the best fit for your situation. Each option carries different reporting and compliance requirements, which we help you navigate efficiently.
Border and Immigration
Visa requirements are confusing. Your length of stay has implications and overstaying can have consequences. SFC provides information on the differences between each visa, the length of stay each visa will allow Canadians, and how to calculate your length of stay. In addition, U.S. Customs and Border Protection calculates your stay differently from the Internal Revenue Service (IRS).
Currency Exchange
You will save thousands by choosing the right time and location to exchange your money. The big banks make top dollar on your money when exchanged. There are better and cheaper options available.
Taxation
Canada and the United States have a tax treaty, but without proper planning cross-border investors often pay more tax than necessary. We help identify key tax considerations and connect you with qualified professionals to ensure your U.S. investments are structured efficiently and remain compliant on both sides of the border.
Why Choose Us?
Competitive Interest Rates
Customized mortgage solutions designed for foreign investors
Streamlined Approval Process
Minimal paperwork for a hassle-free experience.
Expert Guidance
Dedicated mortgage specialists to assist international buyers.