Foreign national residential mortgage

Purchase or refinance a second home in the U.S. with mortgage financing from CIBC Bank USA

Whether you’re working in the U.S., frequently travelling across the border or thinking of retirement, a cross-border mortgage loan from CIBC Bank USA can help.

Why get a mortgage with us?

Flexible options

Choose a mortgage that fits your budget and your long-term financial goals.

No prepayment penalties

Prepay all or part of your loan at any time without penalty.

Client perks

Your banking relationship with us may qualify you for discounts on an adjustable-rate mortgage.¹

Find the right mortgage for you

Fixed-rate mortgage

Lock in the same interest rate for your entire mortgage term.

15- or 30-year fixed rate2
Ideal for easy budgeting.

Adjustable-rate mortgage

Enjoy adjustable payment options and lower initial interest rates.

Fixed rate for the first 5, 7 or 10 years³
After fixed term ends, rate adjusts

How to get started:

Our mortgage bankers can answer your questions or start the pre-approval process. Fill out the form to contact us and we’ll get back to you, usually within one business day.

Eligibility requirements:

Primary applicant must be a foreign national and not a primary U.S. resident. Must have a valid foreign passport and visa
Primary applicant must provide a valid Canadian Social Insurance Number (SIN)
Co-applicant may be a U.S. citizen

For more information, contact a mortgage banker.

Contact a mortgage banker

All fields are mandatory unless stated optional. Please don't include any confidential personal or financial information.

Meet our mortgage team

Our experienced mortgage team can help answer your questions and guide you through the application process.

William Adamchik

Foreign National Mortgage Banker
NMLS #: 171362

Contact William

Tracy L. Butler

Foreign National Mortgage Banker
NMLS #: 839959

Contact Tracy

Patrick Mahoney

Foreign National Mortgage Banker
NMLS #: 584744

Contact Patrick

Frequently asked questions

What types of properties are eligible for the Foreign National Residential Mortgage loan?

What are the primary differences between a mortgage loan pre-qualification and a pre-approval?

What fees and costs can I expect with a U.S. mortgage loan?

Have more questions? Call us at 888-824-2287 Opens your phone app..