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 from a Mexican bank.
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. Mexican banks generally do not offer a 30-year fixed term to foreign nationals at all.
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 the full schedule with every line explained, including which charges a cash buyer pays too.
