Can Americans get a mortgage to buy property in Mexico?

Yes! Americans can finance Mexican property through several options: 1) Cross-border mortgages from specialized lenders like MoXi and Global Mortgage (requires 680+ credit score, 30-50% down), 2) Developer financing with 0% interest during construction (no credit check required, 10-30% down), 3) HELOC from your US property, 4) Mexican bank loans through Hir Casa (requires 680+ credit score).

What credit score do I need to finance property in Mexico?

Credit requirements vary by financing type: Mexican bank loans and cross-border mortgages typically require a 680+ US credit score. However, developer financing during pre-construction usually requires NO credit check - just the ability to make the down payment and monthly payments during the construction period.

What is the minimum down payment for Mexico property?

Down payments range from 10-50% depending on financing type: Developer financing typically requires 10-30% down with 0% interest during construction. Cross-border mortgages require 30-50% down. Mexican bank loans require 20-40% down. Using a HELOC from your US/Canadian property can potentially allow 100% financing of the Mexico purchase.

Can I get 0% interest financing for Mexico property?

Yes! Many developers in Tulum and Riviera Maya offer 0% interest financing during the construction phase (typically 12-36 months). This is the most popular financing option and doesn't require a credit check. You pay 10-30% down, then make monthly payments until the property is delivered.

What is Hir Casa Mexico mortgage?

Hir Casa is a leading Mexican mortgage provider that offers loans to foreigners purchasing property in Mexico. They typically require a 680+ US credit score, 20-40% down payment, and offer terms up to 20 years. They specialize in helping Americans and Canadians finance Mexican real estate.

Mexico Property Financing 2025 | 0% Developer Plans & Cross-Border Mortgages

Your Options

Financing Methods

From developer payment plans to international mortgages, find the financing that fits your needs.

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Developer Financing

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

Down payment: 10-30%
Interest: Often 0% during construction
Terms: 12-36 months
Credit: Not required ✓
Best for: Pre-construction purchases

Cross-Border Mortgage

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

Down payment: 30-50%
Interest: 7-10% (varies)
Terms: Up to 20 years
Credit: 680+ score required
Best for: Resale properties, larger loans

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Home Equity (HELOC)

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

Down payment: Based on equity
Interest: Lower than Mexico loans
Terms: Varies by lender
Best for: Existing homeowners

Fastest Option

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Mexican Bank Loan

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

Down payment: 20-40%
Interest: 9-12%
Terms: Up to 20 years
Credit: 680+ US score required*
Best for: Long-term financing, established buyers

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

How It Works

Financing Process

Getting financed is easier than you think. Here's what to expect.

Consultation

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

Pre-Approval

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

Property Selection

Shop with confidence knowing your budget and financing terms.

Close & Enjoy

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

Trusted Partners

Our Financing Partners

We work with established financial institutions that specialize in international real estate.

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Hir Casa

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

Mexican Bank Loans

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MoXi

Mexico mortgage expert with competitive rates for US/Canadian buyers

Cross-Border

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Global Mortgage

Cross-border specialist serving US & Canadian buyers since 2005

Cross-Border

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Stewart Title

Secure escrow and title insurance services for peace of mind

Title & Escrow

Credit Score Requirements

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No Credit Check

Developer financing during pre-construction

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680+ Required

Mexican bank loans & cross-border mortgages

Not sure which option is right for you? Contact us for a free consultation.

Financing Your Paradise

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