Mortgage in Mexico

Yes! Finally, there are options for financing your home in Mexico.

Yes! Finally, there are options for financing your home in Mexico.

We have two companies that we have worked with and recommend.

How Home Financing Works for Foreign Buyers

Historically, most international buyers in Mexico purchased with cash, since local bank financing for non-residents was limited. That’s changed. Companies like MoXi and Kapital now offer dedicated cross-border mortgage programs designed specifically for U.S. and Canadian buyers purchasing property in Mexico, with terms and a qualification process closer to what you’re used to at home.

Cash vs. Financing: Which Makes Sense?

Cash purchases still move faster and can strengthen your negotiating position, especially in competitive markets like Sayulita and Punta Mita. Financing, on the other hand, lets you preserve capital for renovations, furnishings, or other investments. The right choice depends on your timeline, liquidity, and long-term plans for the property.

What You’ll Need to Qualify

Cross-border mortgage providers typically look at proof of income, credit history in your home country, and the property’s appraised value. Down payments for foreign buyer mortgages in Mexico generally range from 30% to 50%, though exact terms vary by lender and property type. Steve Szabo can connect you directly with the financing partner that best fits your situation.

Kapital

A solid financial institution that offers their clients, whether they are people, companies or businessmen a personalized service.

MOXI

MoXi® offers cross-border financing solutions for U.S. Citizens seeking to securely purchase or refinance residential property in Mexico.

Mortgage & Financing FAQs

Yes. While it was once difficult, specialized lenders like MoXi and Kapital now offer cross-border mortgage programs built specifically for U.S. and Canadian buyers purchasing residential property in Mexico.

Down payments for foreign buyer mortgages typically range from 30% to 50% of the purchase price, depending on the lender, the property, and the buyer’s credit profile.

Both options work well depending on your goals. Cash offers speed and negotiating leverage, especially in competitive markets, while financing preserves your capital for renovations or other investments. Steve Szabo can help you weigh the trade-offs for your specific purchase.

Requirements vary by lender, but most cross-border mortgage programs evaluate your credit history and income in your home country, similar to a conventional mortgage application. Contact MoXi or Kapital directly for current qualification details.

Yes. Financing and the fideicomiso, the bank trust required for coastal zone ownership, can work together. Your lender and the notario público coordinate the trust setup as part of the closing process.

Cross-border mortgage approval generally takes a few weeks longer than a cash closing, since it involves income verification, appraisal, and lender underwriting in addition to the standard Mexican closing process.

MoXi and Kapital are the two financing partners Steve Szabo has personally worked with and recommends for foreign buyers. MoXi offers cross-border financing for U.S. citizens purchasing or refinancing property in Mexico, while Kapital is a full-service financial institution offering personalized lending solutions.

Contact Steve Today!