Do You Actually Own Your Property In Mexico?

Your Dream Home in Mexico is Within Reach - Let MoXi Show You How

Are you dreaming of owning a beautiful home in Mexico, where the sun-kissed beaches and vibrant culture await you? As a US citizen, you have the incredible opportunity to make this dream a reality. However, you might be wondering, "How does the process actually work for me?"

MoXi has the answer.

We specialize in making your dream of owning a home in Mexico a hassle-free reality. Whether it's a vacation escape, an investment opportunity, or a permanent residence, we have the knowledge and expertise to guide you every step of the way. With our guidance, you can turn your dream into a sun-soaked reality.

Unlock the Secrets of Foreign Property Ownership in Mexico

Mexico is an enchanting destination for real estate investment. But understanding the intricacies of foreign property ownership can be a challenge. That's where MoXi steps in to simplify the process for you.

As a US citizen, you'll be pleased to know that the Mexican constitution still has provisions in place that restrict foreigners from owning property in certain zones. However, there have been amendments to the constitution that now encourage and enable foreign home ownership in these zones.

One key amendment involves the use of a trust, known as "fideicomiso" in Spanish. MoXi employs a specialized trust structure called "fideicomiso de garantia" to ensure you securely own the property you desire. This trust grants you the legal right to own, improve, profit from the sale, and include the property in your estate.

The Mexico You've Always Dreamed Of

Imagine waking up to the gentle sound of the ocean waves, with the promise of adventure and relaxation just beyond your doorstep. This is the Mexico you've always dreamed of, and it's now within your reach.

Mexico boasts a diverse range of landscapes and lifestyles. From the azure waters of the Caribbean to the stunning landscapes of Baja California, there's a slice of paradise for everyone. Whether you're looking for a beachfront paradise, a mountain retreat, or an urban oasis, Mexico has it all.

What's more, Mexico offers a cost of living that's remarkably affordable compared to many parts of the United States. This means you can enjoy a comfortable and fulfilling lifestyle without breaking the bank. With a favorable exchange rate, your dollars go much further, providing you with the opportunity to indulge in the luxuries you've always desired.

A Thriving Real Estate Market

The real estate market in Mexico is thriving, offering a wide range of properties to suit your needs. From quaint, historic homes to modern luxury condominiums, the options are as diverse as the country itself.

What sets Mexico's real estate market apart is its excellent potential for investment. Mexico has been consistently growing in popularity as a tourist destination, making it an attractive location for vacation rentals. You can own a piece of this thriving market and generate income when you're not using your property.

Furthermore, Mexico's coastal regions have been experiencing remarkable appreciation in property values. This makes it not just a beautiful place to live, but also a sound financial investment.

How MoXi Can Help You Secure Your Dream Home

At MoXi, we understand that navigating the Mexican real estate market can be a daunting task, especially as a foreigner. That's why we're here to provide guidance every step of the way.

1. Expertise: Your Knowledgeable Partner

We bring over 200 years of combined lending experience, both in Mexico and the United States. Our expertise is your asset. We understand the intricacies of foreign property ownership in Mexico, from legal requirements to cultural nuances. With MoXi as your partner, you'll have a knowledgeable guide by your side, ensuring a seamless experience.

2. Trust in the Fideicomiso de Garantia

MoXi employs a trust structure known as "fideicomiso de garantia" to protect your interests. This trust ensures that your property is secured, and you have the legal right to own it. Your dream home remains in your hands, and the trust structure offers you peace of mind.

3. Legal Compliance: 

In Mexico, all property transactions require a formal closing event in the presence of a notario público. This highly specialized legal professional ensures that your property transfer is legally binding and recorded accurately under Mexican law.

To ensure the process is smooth and secure, we emphasize the importance of following legal procedures. Avoid "soft closings" or attempts to expedite the process from another country, which can lead to potential complications. Our commitment to legal compliance guarantees your property ownership is rock-solid.

4. Personalized Service: Your Unique Journey

At MoXi, our clients are not just names on a list; they're like family to us. We recognize that every homebuyer's journey is unique. Your goals, preferences, and circumstances are our top priorities. We provide personalized support tailored to your needs, ensuring that your real estate journey is as smooth as possible.

5. Currency Exchange Guidance: Maximizing Your Investment

Currency exchange rates can significantly impact the cost of your property. MoXi offers expert guidance on the best strategies for currency exchange to maximize your investment's value. This ensures that you get the most from your investment and your dream home.

Your Future Home Awaits - Contact MoXi Today

Don't let your dream of owning a home in Mexico remain a dream any longer. With MoXi as your guide, you can take the first step towards making your vision a sun-soaked reality.

We're more than a mortgage provider; we're your bridge to secure homeownership. Contact us today to learn more about our services and how we can help you secure your dream home in Mexico. Your future home awaits, and MoXi is here to lead the way.

Picture yourself in your dream home, basking in the Mexican sun, and immersing yourself in the rich culture that awaits. Your Mexican adventure starts with a single step. Reach out to MoXi today and let's turn your dream into a sun-soaked reality.

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Video Transcript via YouTube - (Speaker: Alex Koper, CEO)

Common question: "how does property ownership actually work in Mexico when you're a foreigner?"

Answer: First, the Mexican constitution originally prohibited foreigners from owning property in Mexico in restricted zones, and a restricted zone is defined as something within approximately 50 kilometers of a coastline, which is where a lot of our clients do want to buy property - or 100 kilometers of a border. Actually, that is something that still remains in the constitution today, however, there have been ***amendments*** to the constitution that permit and actually encourage foreign home ownership in Mexico.

One of those amendments enables foreign purchases in restricted zones via the use of a trust. That's the English translation for it, but the Spanish word is fideicomiso. And there are various different types of fideicomisos, and MoXi uses a customized one that offers a lot of protection to our clients to ensure that they securely own the asset that they're paying for, and that's called a fideicomisos de garantia. Technically the trust on-title owns the property, it's managed by a fiduciary bank, and that fiduciary bank grants beneficiaries under the trust.

What's that mean? Well, effectively clients can own, improve, profit from the sale, give as part of their estate, it's an actual asset, that fideicomisos, that trust, or their beneficiary, their rights under that trust. There are some misconceptions that this is a "land lease"... or something like that. It's absolutely NOT true... I don't know where that came from, but owning a property in Mexico definitely requires expertise, which our team definitely provides, in order to ensure that that property is securely owned by YOU and that it's recorded properly under Mexican law, which is something we take seriously. With respect to the recording of a property transfer sale, what some people might not know is that in order to legally own what you're buying, you absolutely need to do a real closing event. It's a 100% must.

We often hear, "Oh, well I can expedite the closing, I can do the closing from the United States." That is not true, and a "soft closing" does not mean that you're going to own what you're paying for. Unfortunately, there are lots of buyers and sellers and real estate agents that may be misinformed, and they guide buyers into doing transactions like this where they don't show up for the closing in front of a notario public. All parties must sit around a table and execute the transaction live before a notario publico.

For this reason and many others, our borrowers feel truly secure with our team. We have over 200 years of combined lending experience on both sides of the border, and we take care of our clients as if they're our family - because to us - they are family.