Cross-Border Mortgages
Invest in paradise. Use your United States credit and income to finance your luxury vacation home or investment property in Mexico.
Purchasing property internationally doesn't have to be complicated. Our cross-border mortgage solutions make it seamless for United States residents to buy real estate in Mexico.
What is a Cross-Border Mortgage?
A cross-border mortgage is a specialized loan designed for United States citizens looking to purchase real estate in Mexico. Instead of dealing with the complexities and high interest rates of foreign banks, you can secure financing through lenders who understand and accept your United States financial profile.
Key Benefits
- Use United States Credit: Qualify using your FICO score and United States-based income.
- Better Rates: Often more competitive than local Mexican financing options.
- Familiar Process: Experience a loan process similar to buying a home in the United States, with English-speaking professionals.
- Secure Ownership: We guide you through the legalities of purchasing in Mexico, such as setting up a fideicomiso (bank trust).
Eligible Properties
These loans are typically used for purchasing vacation homes, second homes, or investment properties in popular Mexican destinations like Cabo San Lucas, Puerto Vallarta, Cancun, Tulum, and Playa del Carmen.
Gallery & Inspiration
Top Mexico Destinations
Puerto Vallarta
Los Cabos
Riviera Maya
San Miguel de Allende
Mexico City
The Process
- Pre-Approval: We review your United States income, assets, and credit to determine your purchasing power.
- Property Search: Work with our network of trusted real estate professionals in Mexico to find your perfect property.
- Legal Setup: We assist in coordinating the necessary legal structures, such as a bank trust, required for foreign ownership in restricted zones.
- Underwriting & Appraisal: The property is appraised, and your loan goes through final underwriting.
- Closing: Sign your documents and get the keys to your new international property.