The RBC U.S. HomePlus™ Rewards Program About

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Get Up to $6500 When You Buy a U.S. Home with RBC U.S. HomePlus™ Rewards

Turn Your U.S. Home Buying Dreams into Reality. Enroll Now

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A Full-Service Home-Buying Program(4 steps)

RBC U.S. HomePlus™ Rewards will connect you with a participating Berkshire Hathaway HomeServices or Real Living Real Estate network agent and an RBC Bank Mortgage Advisor who understand the unique needs of Canadian buyers.
  • Connect

    You’ll be matched with a top performing, local participating network agent and an RBC Cross-Border Mortgage Advisor who can understand Canadian buyers
  • Discover

    Use our home search and market research tools to find your next home
  • Purchase

    Your Cross-Border Mortgage Advisor will guide you through the U.S. mortgage1 process
  • Reward

    As an RBC client, you can earn up to $6,500 cash reward within 45 days after closing with a participating network agent

Think the only way to buy a home in the U.S. is to pay cash? Think again.

By borrowing and purchasing in U.S. dollars, you can buy more than you think and hold on to your Canadian equity.
  • We use your Canadian credit history to help you qualify.
  • We don’t charge pre-payment penalties so you can pay down or pay off your mortgage at any time.
  • Reduce the one-time impact of foreign exchange by keeping your Canadian dollar exchange to just a 20% down payment and closing costs.

Let Us Be Your Guide to U.S. Home Ownership

We share a border, a language and a love of sports. But our home buying processes have some differences. Our Cross-Border Mortgage Advisors work exclusively with Canadian buyers and will help you through the process.
Learn More

Find your U.S. dream home.

Properties are updated every 15 minutes, so you’ll never miss a listing.

Looking for more information?

Is the RBC U.S. HomePlus™ Rewards available in my area?
Yes! When you enroll in the RBC U.S. HomePlus™ Rewards, we’ll connect you with an experienced network agent and provide financing in any of the 50 U.S. states. However, state law prohibits the cash reward in certain states and requires an alternative to cash in a few states. See program terms and conditions.
When should I enroll in the RBC U.S. HomePlus™ Rewards program?
When you are considering buying a home in the U.S., it’s ideal to begin working with an agent and a U.S. lender as soon as possible. We recommend you enroll in the program 60 - 90 days in advance of when you’d like to purchase a home. If you are considering getting financing1, keep in mind the mortgage process is different in the U.S. Before you begin your search for a U.S. property, it’s important to get pre-qualified so you’ll know how much you may be qualified to borrow and understand how much you can comfortably afford.
How can I learn more about U.S. mortgage options from RBC Bank?
Our RBC Bank Cross-Border Mortgage Advisors understand the specific needs of Canadians buying U.S. property and will guide you ever step of the way. For more information about our U.S. mortgages for Canadians check out our Cross-Border Banking FAQs.
Why do I need to get pre-qualified for a home loan?
Mortgages1 are different in the U.S., where nearly all buyers need to pre-qualify. In fact, your U.S. real estate agent will probably ask if you have been pre-qualified, and he or she may want to see your pre-qualification letter. When you enroll in the RBC U.S. HomePlus™ Rewards you’ll be matched with an RCB Bank Cross-Border Mortgage Advisor who will walk you through the pre-qualification process.
If I enroll in the RBC U.S. HomePlus™ Rewards program, am I obligated to participate?
No, you may leave the program at any time by alerting your assigned agent or by contacting support. Please be aware that leaving the program disqualifies you from receiving a cash reward after closing.
How long does my enrollment and reward eligibility last?
Your enrollment and reward eligibility is good for 18 months. If you do not purchase a home during that time, you must re-enroll to become eligible for the cash reward.
How up-to-date are the home search listings?
The home search listings are updated every 15 minutes with information from the Multiple Listing Services (MLS). Search information is provided for consumers’ personal, non-commercial use. Neither RBC Bank nor HomeStory Real Estate Services (HRES) are responsible for misinformation, misprints or errors.
How long does it take to be matched with a real estate agent?
You will typically hear from your real estate agent within 1 business day after enrollment.
I bought/sold a home through the RBC U.S. HomePlus™ Rewards program and I live in a state that allows the reward to be mailed after closing. When should I expect to receive my reward?
You should expect to receive your reward in the mail within 45 days of closing. The reward will be in the form of a check unless otherwise directed by state law. Your check will be issued from HomeStory Real Estate Services (HRES). Please be on the lookout so that you do not accidentally discard your reward.
Do I need to finance my home purchase with RBC Bank to participate in the RBC U.S. HomePlus™ Rewards and be eligible for the reward?
No. You do not need to finance your new home with RBC Bank. However, financing may make great sense – and is easier than you might expect. When you enroll in the program, you’ll be assigned a Cross-Border Mortgage Advisor who will help you determine if financing is the right option for you.
I already have an agent. Can I work with him/her?
If you’d like to continue using your current agent you may do so and we will still assist you with the financing, however you won’t be eligible to receive the cash reward after you purchase your U.S. home.
Is the reward available in all 50 U.S. states?
A reward in the form of cash, gift card or commission reduction is available in most states. State law prohibits a reward in any format for homes purchased in Iowa, Alaska, Louisiana and Missouri. Other restrictions may apply, see program terms and conditions.

* RBC U.S. HomePlus™ Rewards is offered by RBC Bank with HomeStory Real Estate Services (HRES), a licensed real estate broker.  HRES is not affiliated with RBC Bank and RBC Bank is not responsible for the program provided by HRES.

  • Obtaining a mortgage from RBC Bank is not required to participate in the RBC U.S. HomePlus™ Rewards.
  • If you’re currently working with a non-network assigned real estate agent, this is not a solicitation. If your property is currently listed with a Realtor®, please disregard this notice. It is not our intent to solicit the offerings of other Realtors®

To qualify for the RBC U.S. HomePlus™ Rewards, you must enroll in the program and use the assigned network real estate agent to complete the buy transaction. Your enrollment and reward eligibility is good for 18 months. If you do not purchase a home during that time, you must re-enroll to become eligible for the cash reward. For full details, please review the program terms and conditions.

  • A reward is not available where prohibited by law, including Alaska, Iowa, Louisiana and Missouri.
  • An agent commission reduction, rebate, and/or credit may be available for sellers in lieu of the reward in Mississippi, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon.
  • Rewards in Kansas and Tennessee are required to be delivered by gift card.  In Kansas the reward is $1,000 regardless of the sale price of the property.
  • The reward will be issued in the form of a check unless otherwise directed by state law and will be sent to the client enrolled in the program 45 days after closing.
  • Depending on the state regulations, the reward is based on the sale price of the home purchased or sold and cannot exceed $6,500 per buy transaction.
  • Real estate fees and commissions still apply.  Short sale transactions do not qualify for the reward.

The data relating to the real estate for sale on this site comes in part from the Broker Reciprocity Program of various Multiple Listing Services (MLS). The information may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Information provided is not guaranteed and should be independently verified. Properties subject to prior sale, change, withdrawal or rental. Information displayed may be a portion of, and not a complete listing of all data published in the MLS.

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RBC Bank, Equal Housing Lender.

1 RBC Bank mortgages are subject to approval, including verification of acceptable income, credit worthiness and property valuations. Minimum and maximum property values and maximum loan-to-value ratios apply. Homeowner’s insurance is required for all loans and lines of credit and flood insurance is required if the property is located in a Special Flood Hazard area. Escrows may be required on mortgages. There are closing costs associated with mortgage products.

® / ™ Trademarks of Royal Bank of Canada. Used under license.
RBC Bank means RBC Bank (Georgia), N.A., a subsidiary of Royal Bank of Canada.
© RBC Bank (Georgia), N.A. 2019