FINANCE
Financing

Financing your paradise.

Multiple financing options make owning property in the Riviera Maya more accessible than ever — from 0% developer payment plans to cross-border mortgages for US & Canadian buyers.

10%
Minimum down payment
0%
Developer interest during construction
30yr
Maximum financing terms
48hr
Typical pre-approval time
Your Options

Financing methods, side by side.

From developer payment plans to international mortgages, find the financing that fits your needs. Every term below is exactly what our lending partners offer.

🏗️

Developer Financing

Many developers offer attractive payment plans during the construction phase, often with zero interest. No credit check required.

  • Down payment10–30%
  • InterestOften 0% during construction
  • Terms12–36 months
  • CreditNot required ✓
  • Best forPre-construction purchases
Most Popular • No Credit Check
🌎

Cross-Border Mortgage

Specialized lenders like MoXi and Global Mortgage offer mortgages to US and Canadian citizens for Mexican property purchases.

  • Down payment30–50%
  • Interest7–10% (varies)
  • TermsUp to 20 years
  • Credit680+ score required
  • Best forResale properties, larger loans
🏠

Home Equity (HELOC)

Use equity from your existing property in the US or Canada to finance your Mexican investment.

  • Down paymentBased on equity
  • InterestLower than Mexico loans
  • TermsVaries by lender
  • Best forExisting homeowners
Fastest Option
🏦

Mexican Bank Loan

Mexican banks like Hir Casa offer mortgages to foreign nationals. Credit requirements apply for US/Canadian buyers.

  • Down payment20–40%
  • Interest9–12%
  • TermsUp to 20 years
  • Credit680+ US score required*
  • Best forLong-term financing, established buyers

*Credit requirements may vary. 680+ is typically required for approval.

How It Works

Getting financed is easier than you think.

Here's what to expect from first conversation to keys in hand.

1

Consultation

Discuss your goals and budget with our team to identify the best financing option.

2

Pre-Approval

Submit basic documents to get pre-approved, typically within 48 hours.

3

Property Selection

Shop with confidence knowing your budget and financing terms.

4

Close & Enjoy

Finalize your loan, close on your property, and start living your dream.

Trusted Partners

Established lenders who specialize in cross-border.

We work with financial institutions that focus on international real estate for US & Canadian buyers.

🏠

Hir Casa

Leading Mexican mortgage provider for foreigners. 680+ credit required.

Mexican Bank Loans
🌴

MoXi

Mexico mortgage expert with competitive rates for US/Canadian buyers.

Cross-Border
🏦

Global Mortgage

Cross-border specialist serving US & Canadian buyers since 2005.

Cross-Border

Credit Score Requirements

No Credit Check

Developer financing during pre-construction

📊

680+ Required

Mexican bank loans & cross-border mortgages

Not sure which option is right for you? Book a free consultation and we'll map it to your goals.

Payment Calculator

Run your numbers.

Estimate a monthly payment across financing scenarios — developer plans, cross-border mortgages and more.

Estimated Monthly Payment
$2,201

Loan Amount: $245,000 · Total Interest: $151,180

Get pre-approved →

*Estimate only. Credit requirements vary; 680+ is typically required for mortgage approval.

Make it happen

Ready to get pre-approved?

Our financing specialists help you understand your options and get pre-approved quickly, so you can shop with confidence.