U.S. Mortgages for Canadians & Foreign Nationals

Bank-rate financing from 6.5%. No SSN required. No U.S. credit history needed. 25+ years of cross-border banking expertise. Pre-approval in 48-72 hours.

David Nataf (NMLS #2613311) specializes in helping Canadians and international buyers purchase U.S. real estate with competitive bank financing — not hard money loans.

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6.5%

Starting Rate for Canadians

25%

Minimum Down Payment

48hrs

Pre-Approval Timeline

25+

Years Banking Experience

Cross-Border Mortgage Solutions

Foreign National Mortgages

Bank-rate financing for Canadians and international buyers purchasing U.S. property. No SSN or U.S. credit required. Canadian Equifax credit reports accepted directly.

25-30% down payment for Canadians
Rates from 6.5-7.5% (bank financing)
30-year fixed or adjustable options
Pre-approval in 48-72 hours

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DSCR Investment Loans

Qualify based on rental income, not personal income. No tax returns or pay stubs needed. Ideal for Canadian investors building U.S. rental portfolios.

No income verification required
Minimum DSCR ratio: 1.0-1.25
Down payment: 30-35%
Multiple properties allowed

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Employee Transfer Programs

Canadians transferring to the U.S. on work visas qualify for domestic mortgage rates. L-1 visa holders can put as little as 5% down.

L-1, TN, H-1B, E-2, O-1 visas
Domestic rates (~6.5%)
Down payments as low as 5%
Save 1-2% vs foreign national rates

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Why Choose Cross-Border Loans?

Dual-Licensed Expert

David Nataf holds NMLS #2613311 (U.S.) and AMF #3001986744 (Quebec). One of very few professionals licensed in both countries, ensuring compliant cross-border transactions.

Bank Financing, Not Hard Money

Direct relationships with institutional lenders offering 6.5-7.5% rates. Many Canadians are unknowingly paying 10-15% through hard money lenders — we refinance them into proper bank financing.

Canadian Credit Accepted

Canadian Equifax credit reports are accepted directly by our lending partners. This gives Canadians a significant advantage over other foreign nationals who require manual credit underwriting.

25+ Years Experience

Extensive banking and credit experience spanning both Canadian and U.S. financial systems. Offices in Montreal, QC and Boca Raton, FL. Fully bilingual English and French service.

Trapped in a Hard Money Loan?

Many Canadians are paying 10-15% interest through hard money lenders when they could be at 6.5-7.5% with proper bank financing. We specialize in rescuing foreign nationals from predatory lending — typical savings of $6,000-$12,000+ per year.

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