Cross-Border Mortgage Lending
Buy your home in Mexico, financed the way you’re used to.
Finance Mexico gives U.S. and Canadian residents fast, transparent financing to purchase property in Mexico — no Mexican credit history required,
WHY U.S. & CANADIAN BUYERS CHOOSE FINANCE MEXICO
WE BUILT A HOME BUYING EXPERIENCE DESIGNED FOR FOREIGN BUYERS
Traditional Mexican banks were built for Mexican residents.
Finance Mexico was built specifically for buyers from the United States and Canada.
Instead of asking you to fit into a traditional Mexican lending system, we’ve simplified the home-buying process by designing it specifically for U.S. and Canadian buyers.
We use the credit history, income, and financial documentation you’ve already built in your home country—so you don’t have to start over just because you’re purchasing property in Mexico.
Our team guides you through every step of the process, from pre-approval and property search to financing, legal coordination, and closing, giving you one dedicated team from start to finish.
USE THE CREDIT YOU’VE ALREADY BUILT
We evaluate your U.S. or Canadian credit history and income—so there’s no need to establish a Mexican credit file before applying.
FINANCING BUILT FOR INTERNATIONAL BUYERS
Our mortgage process was designed specifically for foreign buyers, making it easier to qualify using documentation from your home country.
ONE TEAM. ONE SEAMLESS EXPERIENCE.
From pre-approval and property search to financing, legal coordination, and closing, we manage every step under one roof.
About Us
We started Finance Mexico to solve one specific problem: buying property in Mexico as a foreigner shouldn’t mean figuring out the Mexican financial system from scratch.
Finance Mexico connects U.S. and Canadian buyers with mortgage financing built around their situation — income earned in dollars, credit built in your home country, and often little time for in-person paperwork. Our team works exclusively with this kind of buyer, which means we understand the questions before you ask them and anticipate the roadblocks before they show up. From pre-qualification to signing at the notary, a bilingual advisor is with you at every step, with no fine print and no last-minute surprises.
YOUR BUYING JOURNEY
FROM DREAM PROPERTY TO CLOSING DAY
- Pre-Approval
- Property Search
- Property Selection
- Negotiation
- Offer Submitted
- Appraisal
- Loan Approval
- Closing
- Welcome Home
At a Glance
70%
Loan-to-value ratio
660+
FICO required
$110k+
Minimum USD
US and Canadian
Resident
30 year open mortgage
No hidden fees (pay loan at anytime, penalty free)
Choose the level of service you need
From full-service home buying to refinancing your existing Mexican property, our team is here to help you reach your goals.
FULL-SERVICE HOME BUYING EXPERIENCE
Let our team handle both your financing and your property search.
By combining mortgage and real estate services, we can streamline the entire process while helping you maximize your buying power.
2%
Deducted from your mortgage proceeds at closing
-
Assistance finding the right property
-
Negotiation with builders and sellers on your behalf
-
Coordination from offer through closing
-
Potential savings through negotiated purchase pricing
REFINANCE YOUR PROPERTY IN MEXICO
Unlock the Equity in Your Mexican Home
Whether you’re looking to lower your monthly payments, consolidate debt, or purchase another home, Finance Mexico makes refinancing your property in Mexico simple.
Your property isn’t just a vacation home—it’s a financial asset. Let us help you make the most of it.
Finance Mexico vs. A Traditional Mexican Bank
Why foreign buyers don’t go the traditional route
Finance Mexico
Traditional Mexican Bank
Mexican credit history required
Not required
Usually required
Language of service
English, Spanish, French
Primarily Spanish
Income verification
U.S./Canadian income accepted
Mexican income typically required
Remote / cross-border process
Built for it
Largely in-branch
Rate structure
Fixed, disclosed upfront
Varies, less transparent to foreigners
Dedicated Advisor
One point of contact
Multiple departments
Purchase + Financing Under One Roof
Yes
Financing only
Support After Closing
Ongoing assistance
Ends after funding
Trusted by U.S.
& Canadian Buyers
«We’d been told a Mexican mortgage was basically impossible without local credit. Finance Mexico had us pre-qualified before our flight home from Cabo.»
Robert & Diane K.
Retirees, Austin, TX → Los Cabos
«Our advisor coordinated directly with the notary and the real estate lawyer. We never had to figure out who to call next.»
James P.
Physician, Vancouver → Puerto Vallarta
Common Questions
Frequently asked questions
No. We underwrite based on your U.S. or Canadian income, credit, and asset documentation, so you don’t need a Mexican Credit Report to apply.
Typically proof of income (pay stubs, tax returns, or bank statements if self-employed), identification, and details about the property you’re purchasing. Your advisor gives you an exact checklist after your pre-qualification call.
Most buyers go from application to funded loan in 30–45 days, depending on how quickly documents are submitted and the property’s readiness for closing.
We offer fixed-rate programs so your payment doesn’t change over the life of the loan. Your advisor will walk you through the exact rate and terms available before you commit to anything.
Yes — most of our clients apply from the U.S. or Canada before relocating or buying a vacation property. The entire process can be completed remotely.
No. Your prequalification with our advisor does not involve a credit check. A credit check only happens once you move forward with a formal application.
WELCOME HOME
YOUR JOURNEY DOESN’T END AT CLOSING.
At Finance Mexico, we believe buying your home in Mexico is just the beginning of the relationship.
Even after you receive your keys, our team remains available to help you settle into your new investment and connect you with trusted local professionals whenever you need them.
CONTINUED SUPPORT.
Assistance with utility setup and local service providers
Referrals to trusted attorneys, accountants, and insurance professionals
Recommendations for property management and vacation rental services
Guidance on future refinancing or additional property purchases
Ongoing support whenever questions arise
ONE TEAM – ONE RELATIONSHIP.
Whether this is your vacation home, retirement property, or investment, we’re here long after closing to help make ownership in Mexico as smooth as possible.