Thinking of moving from Canada to Texas? North Dallas is a popular choice for Canadian expats. It’s family-friendly, has great schools, beautiful neighborhoods, and plenty of sunshine. But buying a home in North Dallas as a Canadian expat is a bit different than buying in Canada. This guide will help you understand how the process works and how to make it smooth and successful.
Understand the local market
Before you buy a home in North Dallas, take time to learn about the area. North Dallas is large and includes cities like Plano, Frisco, Allen, and McKinney. Each has its own vibe, price range, and lifestyle. Some areas are great for families, while others may suit young professionals or retirees.
Here’s how to get started:
- Explore North Dallas property listings online
- Talk to expat-friendly real estate agents in Dallas
- Visit neighborhoods in person if possible
- Research schools, parks, and public transport
- Check recent home prices in areas you like
Find a real estate agent who understands expats
You’ll need a local expert who understands the needs of Canadian buyers. A real estate agent in North Dallas who has experience working with expats can help guide you through the process. Look for agents who:
- Specialize in Canadian expat real estate services in Texas
- Offer virtual home tours if you’re still in Canada
- Know how to explain Texas contracts and terms clearly
- Can connect you with the right lenders, inspectors, and legal help
Get pre-approved for a mortgage
One of the biggest questions is how to get a mortgage in Texas as a Canadian. The good news is: it’s possible! Many lenders offer mortgage options for Canadian expats, but the process is different than it is in Canada.
Here’s what you need:
- A U.S. bank account
- A valid visa (B1/B2, TN, E2, etc.) or green card
- A U.S. credit score (or alternatives like bank reference letters or proof of Canadian income)
- Proof of income and employment
- A larger down payment, often 20% to 30%
You can also pay cash if you’ve sold a home in Canada or have savings. Be sure to compare mortgage options for Canadian expats in Texas to find the best fit for your needs.
Understand the home buying process in Texas
The steps to buy a home in North Dallas are not the same as in Canada. Here’s what to expect:
- Find your dream home – Your agent will help you search North Dallas homes for sale based on your needs and budget
- Make an offer – Offers are made in writing and often include a small fee called “option money” to hold the home while you inspect it
- Hire a home inspector – This is key to avoid costly surprises
- Secure financing – Finalize your mortgage or prepare your funds if paying cash
- Close the deal – Sign all documents and officially become a homeowner
Tips for a smooth move
- Hire a cross-border tax advisor to plan for U.S. and Canadian taxes
- Keep both U.S. and Canadian bank accounts for easier transfers
- Budget for property taxes, which are higher in Texas than in many parts of Canada
- Consider local health insurance options if you’re staying long-term
- Join local expat groups to meet others who’ve made the same move
What to expect from the North Dallas lifestyle
- Warm climate, low taxes, and a booming economy
- Friendly communities with lots of new development
- Great food, shopping, and schools
- A car is a must—public transport is limited
- Strong job market, especially in tech, healthcare, and finance
Start your journey with the right support
Buying a home in North Dallas as a Canadian expat can be exciting and rewarding with the right team on your side. At Savveey, we specialize in helping Canadians find homes in North Dallas. From the first call to the final closing, we make the process smooth, simple, and stress-free.
Ready to make the move from Canada to North Dallas? Contact Savveey today for expert real estate support made for Canadian expats.
