STEPS TO PURCHASING IN THE U.S.
Purchasing property in the United States as a Canadian is a straightforward process—but it does come with important legal, financial, and logistical considerations. At Brad Schmett Real Estate Group, we guide you through each step with clarity and expertise, ensuring your cross-border transaction is smooth, secure, and aligned with your goals. The following steps outline what to expect when buying a home in Greater Palm Springs, from initial planning to closing and beyond.
1. Establish Your Budget
- All-Cash Buyers: You’ll need a letter of proof of funds in USD from your financial institution.
- Financing: Canadian citizens can obtain U.S. mortgage loans, though rates and terms vary. Our team can refer you to lenders familiar with cross-border financing.
- Pre-Approval: Required before submitting offers. Helps define budget and shows sellers you're ready to move forward.
2. Refining Your Search
3. Making an Offer
4. Escrow & Due Diligence
5. Closing the Deal






OTHER IMPORTANT NOTES
Transaction Costs.
- Expect 1–2% of the purchase price in closing costs (escrow, title, prorated taxes/HOA dues).
- Inspections range from $300 to $600 depending on property size.
- If financing, lender fees will vary based on the loan.
Home Insurance.
Seller Disclosures & Legal Protections.
California law requires full disclosure by sellers of all known material issues with a property. Buyer protections are strong, with well-defined timelines and contingency options.
What Canadian Clients Are Saying
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