The first step towards owning a property in the US is to contact a reliable and experienced Realtor that you can rely on for information about Arizona. I would be happy to help guide you throught the proccess of buying real estate in Arizona.

I can handle all of the details of the real estate transaction from the initial home search all the way to closing with the title company.


Most Canadians buyers pay cash and find it best to obtain a line of credit from the equity in their current property. However, there are financing options for you in Arizona.

Here is an outline of the general requirements a US lender will have:

• 30% down payment required
• Must have 6 months mortgage payment reserves in a US bank, checking account, before closing
• Must have 24 months of credit history
• Credit report must contain 4 trade lines
• 700 FICO score minimum required
• 30 year fixed rate loan with a maximum loan amount of $417,000
• Can not have additional financed US property already.

Other items may be required depending on loan applicant. Contact a lender.


You will have your down payment plus the lender and title fees which make up your total closing costs which average around 3% of purchase price.

The title company handles the escrow here in Arizona so there is no cost for an attorney to close on a property. I can handle the transaction for you after we contract on a property as far as negotiations with the seller, scheduling the home and termite inspections, appraisals, etc. I can provide photos, videos and infomation to you in Canada so you will not have to be here for the escrow.

Arizona does not have a real estate transfer tax and the property taxes are really reasonable for most properties. The seller pays the real estate commission so there is no cost to you to use my services as a buyer's agent.


If you just buy a property, there should be no tax implications. You will need to file a US tax return if you collect rent from your investment in Arizona. There is a large demand for short term winter housing in Arizona if the property is located in a community with nice amenities such as golf, shopping and nearby hospitals and freeways. The Canada-US Tax treaty prevents foreign owners from paying taxes twice, which can lower your overall tax bill. Contact your tax advisor for details.


It depends on how long you want to stay in the US as a visitor. If you wish to work here or you plan on staying more than 6 months in a year, you may need a Visa and may have to file a US tax return.

Please let me know if you have any questions by contacting me on the right.