U.S. Vacation Home for Canadians
Owning property in the U.S. is possible for Canadians with the right guidance. You can leverage your home equity to finance a U.S. property or qualify directly through an American lender. At SFC, we help you navigate the process, providing expertise and support every step of the way.
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:
Use the equity in your Canadian home to fund your Florida property. Whether it’s for purchasing, renovations, or investment purposes, we help you navigate the process as smoothly as if you were still in Canada.
U.S. Financing:
Canadians can take advantage of our Foreign Nationals Loan Program — designed specifically for non-residents. Get flexibility, competitive rates, and the opportunity to secure financing in the United States.
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.