How Canadians Can Get a U.S. Mortgage in Florida

Three Main Pathways

1. Cross-Border Lenders: Specialize in Canadian borrowers; understand foreign credit/income; offer competitive rates.
2. Co-Signer: A U.S.-based co-signer with strong credit/income can enable approval despite limited U.S. credit history.
3. Gift/Inheritance Down Payment: Family funds for down payment help meet lender requirements.

Key Tips

• Start early—approval takes months.
• Get pre-approved to know your budget.
• Use a realtor experienced in cross-border transactions.
• Prepare documentation: income proof, asset statements, credit history.