All Forum Posts by: Giuseppe Pavone

I regularly use Southern Title & Abstract

@Samantha Gray there's a huge difference between both countries when it comes to qualifying for and processing a mortgage and it's unfortunate you had to find out the hard way.  I'm a Canadian who moved down to the US about 4 years ago and I assumed it was fairly similar but it's not at all.  As @Chris Brady mentioned I would DEFINITELY reach out to RBC.  When I was looking a few years ago they would use your Canadian credit as part of the approval process... not sure if they still do but worth trying.  Same with TD potentially, although I found RBC better when I was looking.  There are other options outside of those banks (ie. brokers who deal with foreign nationals) but prepare for a 30-45 day grueling underwriting process regardless of which direction you go because you're dealing with the American branches of those banks and therefore, have to go through the same underwriting process.  Again, not what you're probably used to in Canada.  Let me know if I can help in any other way.

@InYoung Choung correct regarding the TD credit card... Because it's issued from a Canadian bank. Both RBC and TD have American banks also (RBC is virtual and TD has physical branches) and while they're under the same name and work very seamlessly with their Canadian counterparts, consider them as separate banks because they're actually located in the US and therefore must abide by different rules and regulations. While I can't speak for TD, you may want to contact their US counterpart to see if they'll issue you a credit card since you're already a customer.

@InYoung Choung I'm a fellow Canadian who moved to the US about 4 years ago.  Have you tried RBC?  They have a U.S. presence also (although it's virtual), and I was able to EASILY get a U.S. credit card from them and they based it off of my Canadian credit (I was still in Canada at the time).  They also may have mortgage options for you.  I've dealt with TD also but found RBC to be much easier to work with for cross-border purposes.  Let me know if I can help in any other way.  Good luck!

Hi Elliott.  I'm a fellow Canadian who moved down to Florida about 4 years ago to invest in real estate full time.  Anything I can do to help please let me know.  Good luck!!

@Ramon Ruenes this is a common misunderstanding from attorneys. Yes I bought the franchise before the visa because you have to invest the money before applying. And it is a legitimate E2 business. Send me a direct message and I'm happy to explain more and get on a call with you.

Hi Ryan.  I'm a fellow Canadian who moved down to Orlando to invest in real estate full time.  I've been using Abitos in Coral Gables for my accounting purposes (not necessarily entity set-up) so not sure if they're what you're looking for, but I've been happy with them.  Let me know if you need anything else.  Good luck!

I have a franchise in Orlando and I don't think my business would be where it is today if I hadn't joined HomeVestors.  Maybe not for everyone, and of course, several investors are very successful doing it on their own, but it was just what I needed to boost my investment career and if I had to do it again, I would.

@Nirra Fields have you tried RBC or TD?  It's been a few years that I checked but I believe they both provide US credit cards based on your Canadian credit history which will allow you to build US credit.  Beyond that, RBC had a couple of mortgage products which you may be able to utilize (for investment property or a 2nd/vacation home).  TD had mortgage products also but I found RBC's more favorable... at the time!  Good luck!

Agreed with both @David Vanlandingham and @Shawn McCormick