How Canadians Can Qualify for U.S. Mortgages

Are you a Canadian wondering how to qualify for a mortgage in the U.S.? In this episode, I’m joined by Scott Dillingham, a U.S. mortgage expert and real estate investor, to break down exactly how Canadians can secure financing for U.S. investment properties.

Whether you’re buying your first rental in the States or looking to scale your portfolio, Scott explains:
✅ How U.S. lenders evaluate Canadians differently than Canadian banks
✅ Why setting up a C Corp might help you qualify
✅ What mortgage terms, interest rates, and credit strategies work best
✅ How to avoid costly mistakes (like building U.S. credit the wrong way)

We also touch on important tax and legal considerations every Canadian investor should know before borrowing in the U.S.
Reach out to Lendcity here: https://lendcity.ca/

Key Moments In This Episode
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00:00 – Intro
02:18 – Canadian banks vs. U.S. lenders: credit report differences
04:23 – Setting up a U.S. C Corp for mortgage approvals
06:43 – How U.S. interest rates vary by property and loan type
09:00 – Using U.S. family connections to improve mortgage terms
11:10 – Mortgage structures & 40-year loan options
13:22 – Mortgage penalties and refinancing tips in Canada
15:25 – How variable rates affect amortization + building U.S. credit
17:25 – What lenders look for in your U.S. credit score
19:26 – Loan fees & how to connect with U.S. mortgage experts

Whether you're filing your own return or prepping for your accountant, these tips will help you keep more of your hard-earned money.

If you have any questions or thoughts after watching this video, leave a comment below, and I’ll respond as soon as possible.

Don’t forget to subscribe to my channel for more videos on Canadian real estate and tax-saving strategies so you don’t miss a thing!

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Please make sure to speak to a professional that knows your personal situation before making a decision.

If you need to talk to someone on my team, email us at [email protected].

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