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Featured Rates

FIXED RATE

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3.99%

5 YEAR

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VARIABLE RATE

This illustration features an hourglass with a yellow top and bottom. Inside the top half, a dollar sign is prominently displayed, representing how time equates to money—a concept every mortgage broker at Turkin Mortgage understands well, as sand trickles seamlessly down.

4.95%

5 YEAR

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We don’t work for banks. We work for you
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US Mortgage for Canadians Toronto

Personalized US Mortgage Solutions for Canadians – 35+ Lenders, Transparent Process, Low Down Payment, Fast Closing, Best Rates
Apply Now
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Based on 150 Verified Google Reviews

Expert Advice, Zero Pressure

US Mortgage for Canadians Toronto

  • Quick, Simple and Secure!
  • No Credit Check Needed
  • No 100% Confidentiality
  • No Obligation and No Cost to You
  • Lowest Mortgage Rates
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Apply Now
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Based on 150 Verified Google Reviews

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Featured at

Considering purchasing property in the U.S. while based in Toronto?

Cross-border mortgages can pose challenges for Canadians. We excel in obtaining U.S. mortgages specifically designed for Toronto locals. Our team manages all the complexities, ensuring a seamless process for you.
  • Quick, Simple and Secure
  • Fast Pre-Approval
  • No Obligation and No Cost to You
  • 100% Confidentiality
Apply Now
Turkin Mortgage Team that helps you find the best and Lowest Mortgage Rates in Ontario, Toronto Canada
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Discover the Best Mortgage Rates in Ontario

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4.54%

1-Year Fixed Rate Mortgage

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3.65%

3-Year Fixed Rate High-Ratio Mortgage

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3.65%

5-Year Fixed Rate High-Ratio Mortgage

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3.90%

3-Year VRM Rate High-Ratio Mortgage

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3.54%

5-Year VRM Rate High-Ratio Mortgage

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3.54 %

5-Year VRM Rate High-Ratio Mortgage

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Access Competitive Rates from Top Lenders

Unlock U.S. homeownership with confidence - our team simplifies the process for Canadians in Toronto. We partner with 35+ top lenders, securing you highly competitive rates.

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Why Choose Us for US Mortgage for Canadians in Toronto

Our streamlined online application takes just minutes, while rapid approvals mean you close faster and move sooner. Enjoy personalized, expert guidance at every step, whether you’re purchasing, refinancing, investing, or consolidating debt.

Banks

  • Customers are treated like transactions
  • One set of products & policies
  • Lender needs come before yours
  • Long application processing wait times
  • Call centres and a revolving door of staff

VS

Turkin Mortgage

  • Customers are treated like people
  • Considered options from over 35 lenders
  • Your needs and goals always come first
  • Experienced mortgage experts located in Toronto
  • Stable dedicated team to champion your finance approval
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$1000 Cash Back or Free iPad When You Close With Us!

*Certain conditions may apply, ask a Turkin Mortgage Agent for more details.
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Contact Us

Fast-Track Your Mortgage Approval

Concerned about down payments? We offer high‑ratio mortgage solutions for as little as 10% down. Rest assured, we protect your privacy with transparent policies and secure data handling.

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Step 1

Tell Us Your Goals

Ready to buy property in the US? Share your dreams and situation with us - no pressure, just an honest chat so we understand exactly what you need.

Step 2

Review Tailored Options

We’ll walk you through the best US mortgage options for Canadians, explaining any tricky terms so you’re never left guessing.

Step 3

Gather Documents Together

Not sure what’s needed for a cross-border mortgage? Don’t worry - we’ll give you a simple list and help you every step of the way.

Step 4

Navigate Approval With Confidence

We handle the back-and-forth with lenders, keep you updated, and answer your questions, making the process smooth - even if you’re juggling life in two countries.

Step 5

Celebrate Your US Home

Once approved, you’re set! We’ll finalize details and hand you the keys (virtually or in person). Your dream of US property ownership starts now - let’s make it real together.

Plan Your Home Purchas with Our Mortgage Calculator

Turkin US Mortgage for Canadians Benefits

Your Dream U.S. Home Awaits - No U.S. Credit Required

Easily purchase your perfect American property without the need for a U.S. credit history. Our simplified cross-border mortgage process lets you concentrate on your property aspirations, leaving the paperwork to us.

Effortless Application, Smooth Journey

Avoid the maze of bureaucracy. Designed specifically for Canadians, our process walks you through each step, ensuring a quicker, stress-free path to your U.S. mortgage.

Enhance Your Purchasing Potential

Utilize your Canadian financial standing to secure favorable U.S. rates and adaptable solutions. Stretch your dollar further and optimize your investments for smarter returns.

Supportive Expertise Throughout

Navigate with assurance, backed by experts well-versed in both Canadian and U.S. markets. We're ready to illuminate any uncertainties and address your queries.

Clear Path, Peaceful Mind

Benefit from straightforward terms, timely updates, and sincere counsel - keeping you in charge and free from unexpected hurdles or concealed charges during your U.S. property venture.

Cross-Border Opportunities - Secure Your Tomorrow

Broaden your horizons by acquiring, vacationing, or investing in the U.S. Embark on your cross-border wealth-building journey with confidence, supported by a reliable team.

What Toronto Homebuyers Say About Turkin Mortgage

Real experiences from Toronto residents who chose Turkin Mortgage for their home financing needs. Discover the quality and reliability of our services through their testimonials.

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Based on 150 Verified Google Reviews

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Based on 150 Verified Google Reviews

Turkin Mortgage: Where You Matter

If you’re worn down by subpar service from banks and other brokers, we’re here for you. We offer premium service that the big banks just can’t deliver.

With experienced mortgage brokers located right here in Toronto we’re ready to help you achieve and exceed your goals.

3.79%

Hold rate for 120 days

YES

Cashback available

↑ 20%

Lump sum prepayment 20%

house

48H

Quick close, 48 hours

3.79%

FAQ

Absolutely! Numerous lenders appreciate the solid financial backgrounds of Canadian buyers. Requirements differ, but with access to 35+ US lenders, we can find options accepting Canadian credit records, income proofs, and down payments starting at 20-30%. Buying a holiday home or investment property? We'll confirm your eligibility right away.
You'll need to submit:
  • Identification: Passport and proof of Canadian residency.
  • Income proofs: Pay slips, T4s, or tax returns (convert to USD if necessary).
Asset documents: Recent Canadian bank or investment statements.
  • We make it simple with a secure platform for fast document uploads.
Not necessarily! While some lenders may ask for 20-35% down, we offer high-ratio mortgages (as low as 10-15%) via special cross-border programs. Let's find the best fit based on your income and property choice.
Changes in rates can affect your CAD payments. We work with forex specialists to secure rates or arrange automatic conversions for stability. Want more options? Inquire about USD accounts.
From major banks to private lenders, many have tailored programs. Skip the search - our network of 35+ vetted lenders ensures a perfect match for your needs.
Common issues are:
  • Complex income: Self-employed or commission-based.
  • Property concerns: Non-traditional condos or rural areas.
Debt levels: Current Canadian mortgages.
  • We tackle these early by thoroughly reviewing your application.
Differences include:

<ul>
<li><strong>Rate types</strong>: More long-term fixed rates in the US.</li>
<li><strong>Penalties</strong>: Stricter prepayment terms in the US.</li>
</ul>
<strong>Tax effects</strong>: Different deductibility rules.
<ul>
<li>Our experts clarify these, keeping your focus on your objectives.</li>
</ul>
Not always! Many lenders accept Canadian credit scores. For limited histories, we can use alternatives like rental payments or suggest alternative lenders.
Be ready for:
  • Property taxes: Typically 1-3% of the home's value yearly.
  • Title insurance: Around $1,500-$3,000 USD.
Closing costs: $1,000-$2,500 USD for cross-border transactions.
  • We offer a clear cost overview upfront to avoid surprises.
Yes! Lenders often convert Canadian earnings to USD using a five-year rate average. We'll also highlight assets like RRSPs or rental income to boost your application.

The Mortgage Brokers Blog

Discover the ins and outs of the Toronto mortgage scene with our expert guidance. From securing the best mortgage deals in Toronto to understanding local real estate dynamics, we've got you covered.

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…by providing award winning customer service to each and every single client.

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