Why MoXi pricing works the way it does
A USD-denominated loan into Mexico carries a country risk premium that a domestic mortgage in the United States does not. That is why a MoXi rate runs higher than what you would see on a primary home back home, and lower than a peso-denominated mortgage written for the traditional retail market.
Every MoXi loan is fixed for up to 30 years. No balloon payment, no rate adjustments, and no foreign exchange risk on the loan itself. Traditional retail mortgage lending in Mexico is not built around a 30-year fixed term for a cross-border buyer.
The rate you see is built from today's 3-Year U.S. Treasury yield plus a margin set by your loan profile. The method is transparent and the rate moves with the market.
Your rate is only part of what you will spend. Closing on a property in Mexico also involves the acquisition tax, notario fees, the bank trust, appraisals, and government permits, and most of those go to third parties rather than to your lender. We publish a schedule that explains the fees you will likely encounter, including which charges a cash buyer pays too.
