I came to Canada with my hubby in March and we entered in Calgary, and we had not yet filed our application. First question, why haven't you applied for residency. We were honest and told them we were waiting on the background check (I had it sent to my hubby's house in Alberta) and that there was one page that needed to have both of our signatures, and that as we had not been together, I needed to sign that paper.
While I do have family here in the states, I quit my job and got rid of my apartment and most of my belongings. US citizens are allowed to enter for 6 months without a visa, and we told them at the crossing that I was only asking for 6 months because that's all I'm allowed. I was really lucky, she gave me a 12 month visitor visa and reminded me that I am not allowed to work as a visitor in Canada. I was prepared with financial statements when we entered proving that I still had US bank accounts and I also had proof of travel insurance, just in case, but they didn't ask.
It's really the luck of the draw.