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HOME LOANS IN MEXICO

U.S.-style home loans for U.S. citizens and permanent residents

MoXi® provides USD-denominated purchase financing for U.S. citizens and permanent residents of the United States buying residential property in Mexico. Fixed rate, fully amortized, up to 30 years, originated and serviced in U.S. dollars from day one.

Most Americans buying in Mexico pay cash because they assume nothing else is available. It is. Tell us what you're looking at and a MoXi advisor will set up your no-cost strategy session.

30-year fixed USD originated and serviced No balloon payments No FX risk Up to 65% LTV
Schedule a Strategy Session Estimate Your Payment

What happens next

  1. Fill out the form. A few quick questions about the property and your timeline.
  2. We match you with an advisor. You'll be paired with a mortgage advisor on our team based on your scenario.
  3. Book your strategy session. Pick a time directly on your advisor's calendar, no cost or commitment.

Your dedicated advisor

You'll work one-on-one with a MoXi mortgage advisor from your first conversation through closing. Our team specializes in cross-border financing for U.S. citizens and permanent residents of the United States purchasing or refinancing across Mexico, including Los Cabos, Puerto Vallarta, Riviera Maya, San Miguel de Allende, and Mexico City.

Success stories are our specialty

Real clients, real closings, across Mexico

Client review of MoXi cross-border mortgage service in Mexico Client review of financing a home purchase in Mexico with MoXi Client review of working with a MoXi mortgage advisor Client review of closing a USD mortgage on Mexican property

How buying with MoXi works

A MoXi purchase looks like a mortgage you'd get at home. Fixed rate, fully amortized over as long as 30 years, priced and serviced in U.S. dollars, with no balloon payment waiting at the end and no exchange rate risk sitting between you and your payment.

Submit your details and we'll match you with a mortgage advisor. Your advisor walks through your scenario, the property, and what the transaction looks like start to finish. MoXi issues fully underwritten pre-approvals, which carry considerably more weight with a seller than the basic pre-qualifications most lenders hand out.

What a mortgage buys you beyond the money

Financing the purchase is the visible part. These are the protections that come with it.

01

A real title search

Every MoXi transaction includes a legal title search through the Public Registry covering the prior ten years. It confirms the seller has the right to sell and that no liens or encumbrances are recorded against the property.

02

Title insurance

MoXi requires title insurance in most markets where it's available. Many foreign buyers skip it. It protects you if a claim surfaces years later, which is the moment it matters most.

03

An independent appraisal

A professional appraisal establishes what the property is actually worth before you commit. Cash buyers frequently skip this step and find out later.

04

Fideicomiso setup handled

If your property sits in the restricted zone, you'll hold it through a bank trust. MoXi coordinates the setup as part of the loan, and monitors the renewal annually as part of servicing.

05

U.S.-style escrow

Funds sit with an impartial third-party escrow agent and release only when the closing terms are met. No wiring the full purchase price to a stranger and hoping.

06

Taxes and trust fees tracked

Mexican municipalities often don't send property tax bills at all. MoXi tracks yours, collects through your monthly payment, and makes sure the annual fiduciary bank fee is paid on time.

Start your strategy session

A few quick questions and we'll match you with a mortgage advisor. No cost, no commitment.

Purchase loan parameters

Clear terms, no FX risk, originated and serviced in U.S. dollars from day one.

Loans $200K to $2.5M

USD-denominated purchase loans on residential property in Mexico valued at approximately $350,000 USD or more.

Up to 65% LTV

Financing up to 65% of the appraised value, which means a minimum down payment of 35%.

Up to 30-year fixed rate

Fully amortized, fixed rate, no balloon payments, no hidden fees. Mortgage interest reported to the IRS.

Wondering what your payment would be?

Run the numbers on a property you're considering before you talk to anyone. Takes about a minute.

Try the MoXi Mortgage Estimator

Purchase questions, answered

The questions clients ask most before scheduling their strategy session.

Yes. No law prohibits a foreign national from owning residential property in Mexico. Inside the restricted zone, which covers land within 50 kilometers of the coast or 100 kilometers of a border, you hold the property through a fideicomiso, a Mexican bank trust. Outside that zone you can hold title directly. Either way you have the right to use, occupy, improve, lease, sell, and pass the property to your heirs.
Yes. MoXi lends to U.S. citizens and to permanent residents of the United States, meaning lawful permanent residents who hold a green card. This is different from Mexican permanent residency (residente permanente), which does not by itself make you eligible. If you hold a green card and are buying residential property in Mexico, you apply on the same terms as a U.S. citizen.
MoXi offers purchase loans from approximately $200,000 to $2.5 million USD on residential property in Mexico valued at approximately $350,000 or above. Financing goes up to 65% of the appraised value, which means a minimum down payment of 35%. On a property appraised at $1,000,000, the maximum loan is $650,000 and you would bring $350,000.
MoXi issues fully underwritten pre-approvals, not the basic pre-qualifications most lenders offer. Our underwriting team reviews your documentation, verifies the details of your scenario, and commits to financing terms subject to property appraisal and title work. That carries real weight with a seller, and it tells you what you can actually finance before you start negotiating. Timing depends on how complete your documentation is and how complex your scenario is. Your advisor will give you a specific timeline.
A fideicomiso is a Mexican bank trust that lets non-Mexican citizens hold residential property in the restricted zone. The bank is the trustee and takes instruction only from you, the beneficiary. The property is not an asset of the bank. If the trustee bank were to face financial difficulty, the property transfers to another trustee bank under Mexican federal law. The initial term is 50 years and renews indefinitely in 50-year terms. MoXi selects its partner trustee institutions carefully and monitors your renewal annually as part of loan servicing.
No. You hold a contractual right with the trustee bank to all benefits from the use or sale of the property, and the bank has a fiduciary obligation under Mexican law to respect that. You have a contractual right to renew for another 50-year term at expiration, and you can request extensions repeatedly without issue.
Every legal property transfer in Mexico must be overseen by a notario público. The notario reviews and executes the required documents, confirms all legal formalities have been satisfied under Mexican law, and collects and forwards transaction taxes to the Mexican tax authorities. Be cautious of any seller who suggests a closing that doesn't involve one.
MoXi requires it in most markets where it's available, and we'd recommend it whether or not you finance with us. Title insurance protects you if the seller turned out not to have the legal right to sell, or if another party makes a claim on the property later. Policies are issued only after a full title search. In some areas policies aren't available unless the developer holds a master policy on the entire development. Your advisor can tell you what applies to your specific property.
Closing costs on a purchase generally run 5 to 10 percent, and that's true whether or not you finance with MoXi. The buyer typically pays most of them, including transfer tax and notario fees. The seller typically covers capital gains tax due and broker commissions out of proceeds. Your advisor provides a detailed Loan Estimate as part of pre-approval, and the MoXi fee schedule is published at bit.ly/moxi-fees.
MoXi reports mortgage interest paid in the United States, which may make it deductible on your federal return depending on your situation. Because of the treaty between the United States and Mexico against double taxation, you may also be eligible for U.S. tax credits on taxes paid in Mexico. Speak with your CPA or tax advisor about your specific circumstances.
MoXi finances completed, habitable residential property: condos, single family residences, 2 to 4 unit residential properties, and occasionally mixed use where 50% or more of the air-conditioned square footage is residential. Owner occupied, second home, vacation home, and investment property are all eligible occupancy types. Raw land and ground-up construction are not currently in our program.
You can hold your rights in your individual name, a U.S.-based revocable trust, an LLC, or a corporation. MoXi's in-house and external legal teams work with you to decide what fits. If you vest in an entity, we may ask you to obtain an apostille, which authenticates U.S. documents for use in Mexico, and we work with a vendor approved for all 50 states. As for selling, anyone can buy your property at any time with no restriction tied to your MoXi loan. Just as in the United States, the mortgage is paid off prior to or concurrent with closing.
Yes. MoXi offers cash-out refinancing to existing owners up to 60% of appraised value, with no restrictions on how you use the proceeds. Any existing lien is paid off at closing with the new loan proceeds. You can read more on our refinance page.
MoXi® | A Global Homeownership Company
Have questions? Let's talk: hello@moxi.global  |  +1 866-509-4657