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Making your dream Mexican home come true

MexLoans is your financial partner to property ownership in Mexico. With our expansive experience in lending to foreigners, we can help you get your dream home loan.

WE PROMISE TO:
  • Be transparent.
  • Provide competitive rates and best product.
  • Support and assist you throughout the entire process.
Main principles

Financing in Mexico

Fixed interest rate

We provide competitive rates and promise to get the best product for your dream project.

Secure & confidential

Your information is safe with us, we don't keep any of your documents In our data.

Transparency

There is always support form our team who will assist you throughout the entire process.

What you need to know

LTV

70% or less.

Term

1, 3, 5 up to 30 years.

Interest Rate

Between 8.99 - 11.9%

Minimum Credit Score

660

Insurance

No life insurance nor title insurance

Income Documentation

Tax returns, bank statements, asset statements. Documentation may be US or Canada.

Residency Status

Residency status for Mexico is NOT required.

Approval Time

48 hours.

LTV

70% or less.

Term

1, 3, 5 up to 30 years.

Interest Rate

Between 8.99 - 11.9%

Minimum Credit Score

660

Insurance

No life insurance nor title insurance

Income Documentation

Tax returns, bank statements, asset statements. Documentation may be US or Canada.

Residency Status

Residency status for Mexico is NOT required.

Approval Time

48 hours.

Explore your options for purchasing property in Mexico.

We are pleased to offer you the opportunity to acquire Mexican real estate. We understand that financing can be a challenge for foreigners, as there are few options. Until now acquiring property was limited to select individuals with capital to purchase real estate in Mexico.

We can help achieve your goals. To get started, we invite you to download our Buyer’s Guide for Financing in Mexico. This guide provides valuable information on how to obtain financing for your dream property.

 

EBOOK Buyers (#12)
Realtors

Interested in selling more properties?

Realtors interested in selling more properties?

A recent survey of realtors in two major areas highly solicited by foreigners reveals that more than 42% of potential buyers hesitate or cannot purchase property as they do not have sufficient capital to purchase.  They ask for financing and are disappointed when they find out that none is available from Mexican Banks nor from their banks in their country of origin.  Download this White Paper on Financing in Mexico and learn about how you can obtain financing for your clients and increase your sales.

EBOOK - Realtors

Where we lend

*Other areas may be eligible for lending – please contact us and tell us about your project (contact@mexloans.com.mx)

Buying Property in Mexico – What You Need to Know 1

Simple, they create a Bank Trust. For more than 30 years foreigners have been purchasing property in Mexico through a Bank Trust. Essentially the Bank lends its name to the transaction for the foreigner to purchase the property. The title deed will also include the Trust. In it the Bank is identified as the buyer and the foreigner as the beneficiary of the Trust.

Yes. Most Bank Trusts for the purchase of property in Mexico have a 50-year duration however they can be renewed for an additional 50 years.

Yes, with the permission of the lender and the bank, a bank trust can be transferred to a new beneficiary. This may result in some savings in closing costs.

The same as in your country of origin. You can occupy, rent, renovate, and sell the property. If your property is subject to a homeowner’s association (condominium) then you could vote at assemblies etc.

In all real estate transactions, the buyer pays the closing costs.

In all transactions for real estate purchases by foreigners in Mexico, the average closing costs vary between 8 to 12% of the purchase price. This may come as a shock to most foreigners who are accustomed to lower closing costs however, unlike other jurisdictions in North America, the carrying costs of the property in Mexico are extremely low. The average is between 1 to 2% a year.

Yes, American citizens can deduct interest paid on loan to acquire property. As for Canadian Citizens, they could do so if the property is a rental income property.

1This information was provided by MexLaw.com. Please consult their website or contact a lawyer for more details or a legal opinion.

01

Quintana Roo

An international destination known for sandy white beaches on the Caribbean Sea. This has translated in major real estate investments for many years and there appears to be no end in sight. Attracted by high ROIs Canadians and Americans have purchased real estate here and use it for family vacations. We lend up to 70% of the purchase price at very competitive rates and conditions. Some predevelopment projects have been approved for financing. Contact us to know more.



02

Yucatán

Known as the White City, this destination is world famous for its high quality of living in a secure environment. This has boosted real estate developments and property values over the past few years. It’s a favoured destination for Canadian and American retirees, young families starting a new adventure as well as Internet nomads working remotely. We lend up to 70% of the purchase price at very competitive rates and conditions. At this time no predevelopment projects have been approved but contact us to find out more.

03

Baja California Sur

This Pacific Coast gem is the preferred playground for Americans and Canadians alike. Attracted by magnificent beaches overlooked by verdant hills where different size homes are perched, investors have been purchasing real estate and vacationing here for many years. We lend up to 70% of the purchase price at very competitive rates and conditions. At this time no predevelopment projects have yet been approved but contact us to find out more.



04

Puerto Vallarta / Nayarit

Probably the best-known vacation destination in Mexico. It combines sandy beaches surrounded by mountains, a delightful historical center and open-minded locals and foreigners welcoming everyone to this sunny destination. We lend up to 70% of the purchase price at very competitive rates and conditions. At this time no predevelopment projects have yet been approved but contact us to find out more.




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FAQs For MEXLOANS

Because small is beautiful 😊.  Our small yet highly qualified team can provide you personalized attention. Once you are approved you will be assigned your own personal assistant to guide you through the entire process. Communicating with them will be simple and efficient.
We work with only the top lenders that have experience in lending to foreigners for international real estate acquisitions. We know the requirements of each and can guide you to the right lender.
Finally, we know Mexico.  We have been working with foreigners acquiring real estate here and are familiar with their anxieties, apprehensions, and concerns. We will address each of them so that the process is familiar, and their dream acquisition is a success.

Simple, just apply! If you have a good credit rating and enough capital to meet the debt-to-equity ratio, then you qualify.

This depends on your credit rating; the debt-to-equity ratio of your acquisition.

    • Credit rating: as this is usually the purchase of a secondary or vacation property and you may already have real estate in your country of origin, we will consider and present your credit report from your country of origin. We will use our best efforts to convince the lenders to approve your loan based on that information. (minimum credit rating of 660, if less we can still consider the borrower on a case-by-case proves);
    • debt to equity lenders in Mexico will consider a 70% loan to value for lending here. That means that you need to establish that you have 30% of the purchase price available. This amount cannot be borrowed from another source and needs to be your equity;
    • If you meet the lending criteria mentioned above, you can borrow up to $1 million USD.

Yes, for this to be a worthwhile effort for everyone, including the lender, the minimum value of the property must be $150,000 USD.

Yes. These loans are available to qualified Canadian and American citizens.

Yes. As you will read later, the loan process in Mexico is referred to as a Secure Bank Trust. The lender and you are beneficiaries of the bank trust created to acquire the property in question. If you sell the property to a qualified borrower, then the secure bank trust can be transferred to them with the lender’s approval.

Interest rates vary from 8.99% to 13.5% depending on the borrower’s income and loan-to-value. When you apply, after our review of your application, we can provide you with an interest rate and amortization.

Here are some other key points that make this a favourable borrowing option:

    • property evaluation is required;
    • no early payment penalty
    • no title insurance or life insurance;
    • property insurance required
    • amounts are in USD currency
    • buyer pays all closing costs (please see section buying property in Mexico for more information on this

Simple. Just fill in the application form. We will review it and reply within 48 hours. If you are approved, we will collect the supporting documentation and issue a letter of commitment with the loan terms.

To be clear: a preconstruction project is a purchase made on a property to be constructed, not yet finished. Delays vary between 16 to 24 months from the date that you sign the purchase agreement and the date of delivery. Yes, we do finance certain preconstruction projects. If the project that you are considering is not listed on our website as an approved project, please contact us before completing the application form and we will review the possibility of financing that acquisition.

In certain situations, if you are auto constructing, yes, we can finance the acquisition of land and the construction of your property. Please contact us before completing the application form.

Here are some other key points that make this a favourable borrowing option:

    • property evaluation is required;
    • no early payment penalty
    • no title insurance or life insurance;
    • property insurance required
    • amounts are in USD currency
    • buyer pays all closing costs (please see section buying property in Mexico for more information on this

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Contact us

Give us a call, we endeavour to answer all enquiries within 24 hours on business days. 

Our offices

Quintana Roo y Yucatán.
*Other area please contact us

Our Whatsapp

(+52) 984 807 7477

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