From pre-qualification to closing, Global Mortgage (MoXi) handles your loan, start to finish. Our talented and capable team is available to assist you with any questions you may have along the way and pre-approval times are less than 72 hours.

Global Mortgage (MoXi) is backed by billions of dollars in capital and is a regulated and audited financial institution in both Mexico and the United States.  

We have 200+ years of combined international lending experience on both sides of the border and always keep our client’s best interest at hand.

At Global Mortgage (MoXi) we take our commitment to client success seriously; after all, there are no compromises when it concerns quality, reliability, and reputation.

Characteristics of our loan programs include:

• fully amortized term up to 25 years
• fixed interest rate
• no balloon payment
• no hidden fees
• no fx risk ($USD originated and serviced)
• mortgage interest reported in the US (potential tax deductibility)

Currently, Global Mortgage (MoXi) offers competitively priced mortgage loans from $100,000 - $2.5 million on residential property in Mexico up to 65% of the appraised value of the property (Loan-to-Value - “LTV”) to qualified individuals.

For example: For a $400,000 home, the maximum loan amount would be $240,000.

Global Mortgage (MoXi) provides financing to US citizens on Mexican real estate. To apply, fill out the form on this page.

Global Mortgage (MoXi) offers U.S. citizens sound and secure cross-border financing for purchasing destination real property in Mexico. Live as your heart desires while protecting your assets and adding to your legacy.

The first step to qualifying for a mortgage is to fill out the form on this page. Our team will reach out and get you an answer quickly.

No, property held in trust or Fideicomiso by a trustee bank is not an asset of the bank. If the bank goes into financial difficulty, the property is simply transferred to another trustee bank. These laws are federally imposed.

A buyer of Mexican real estate holds the same rights as a property owner in the US, including the right to enjoy, sell, rent, improve the property, etc. This ownership is acquired through a fideicomiso or bank trust. The Bank Trust is a legal substitute for fee simple ownership (as is ownership in the US), but the Trustee is the legal holder of the property. The rights to the property may also be transferred to a third party or passed on to named heirs. Sometimes, the property being purchased is already held in a trust. If this is the case, the buyer has the option of assuming that trust or having the property vested in a new trust.

Anyone can buy your property. At this time, Global Mortgage (MoXi) is providing financing only for US citizens. A foreigner can purchase the property provided they set up a bank trust. Global Mortgage (MoXi) provides this service as part of the loan process.

No. Under the trust agreement, the beneficiary has a contractual right with the Mexican bank to all benefits that result from the use or sale of that property. As trustee, the bank has a fiduciary obligation under Mexican law to respect the rights of the beneficiary. The same beneficiary has a contractual right to renew the bank trust for another 50-year term upon expiration and can make multiple extension requests.

Mexican foreigners can own property in Mexico via a Mexican land trust called a fideicomiso. The trust has a 50-year term and can be renewed perpetually to allow for long-term control of the asset. The property can be willed from generation to generation. Global Mortgage (MoXi) creates a trust for you as part of your loan process.

MoXi's straightforward application process lets you qualify for a mortgage without leaving your own home. Start the process by answering a few questions.

The purpose of an apostille is to authenticate the notarization and or certification of documents to be used in a foreign country. An “authentication” certifies the signature and the position of the official who has executed, issued or certified a copy of the document.

It is required to obtain a Notario Publico in Mexico (similar to a notary public in the US).

The Notario Publico's responsibilities include reviewing all required documents with respect to the sale of real estate, including the assurance that all required documents have been reviewed and executed properly, in accordance with the laws in Mexico.

In addition, the Notario Publico makes sure that all legal formalities have taken place as well as collecting all taxes and forwarding such monies to the Tax Authorities in Mexico. If the buyer or seller requires legal advice, they should hire legal counsel that is experienced in Mexico and US real estate law. "

While title insurance is not required in Mexico, Global Mortgage (MoXi) requires title insurance to obtain financing. This is acquired after an extensive title search on your property and is part of the loan process. Title insurance is meant to help protect your investment should the property you buy subsequently turn out to have liens.

The Public Registry is a government office where documents are filed regarding current ownership of land titles to see if any liens exist. 

In Mexico, deeds are public instruments and can be researched at these offices which are open to the public. 

The majority of cities and towns of Mexico have a Public Registry of Property. In a real estate transaction, the notary public conducts a search of the title encompassing a previous 10-year period to verify that there are no liens or encumbrances recorded against the property and also verifies that the seller has the capacity to transfer ownership.

Foreigners can not directly own real estate within Mexico's 'restricted zone' as addressed in Article 27 of the Mexican Constitution. 

The restricted zone encompasses all land within 100 kilometers of any Mexican border, and within 50 kilometers of any Mexican coastline. To permit foreign investment in these areas, the Mexican government introduced the “Fideicomiso,” (FEE-DAY-E-CO-ME-SO), which is, roughly translated, BANK TRUSTS. 

A Mexican bank is designated as the trustee holds title to the property and is the owner of the record. The Bank Trusts enable foreigners to enjoy unrestricted use of land on or near the coastlines in order to realize improvements, expansions, and to profit from the sale of the property without restrictions.

The concept of escrow is fairly new in Mexico and has no set standard for taking place, as is customary in the United States. 

Global Mortgage adheres to the US processes of an escrow account, utilizing an impartial third party, namely an escrow company. The third party is entrusted with the job of seeing that the transfer of ownership from the seller to the buyer takes place according to the terms of the written contract agreed upon by all parties involved. 

The third-party escrow agent holds any funds securely until the point when every one of the conditions has been realized as instructed by the agreement. The agent then disburses the funds to the designated parties at the assigned time as illustrated in the escrow agreement signed by both the buyer and seller.

It is customary that the buyer pays the transfer of acquisition tax and all other closing costs, including the Notary's fees and expenses. The seller country his capital gains tax and the broker's commission.

Closing expenses vary. Global Mortgage (MoXi) will generate an estimated closing cost statement specific to your needs

The duration of the “Fideicomiso” Bank Trust is 50 years through a Mexican financial institution and can be renewed multiple times for other 50 year periods.

The Mexican bank, or Trustee, takes instruction only from the Beneficiary of the trust (the buyer). The beneficiary has the right to use, occupy, build upon, improve, lease and possess the property. The beneficiary may also instruct the Trustee to transfer the rights to another qualified buyer or bequeath the property to an inheritor. The initial term of the trust is 50 years; however the trust can be renewed for additional periods of 50 years indefinitely, providing for long-term control of the asset. Global Mortgage (MoXi) handles all aspects of the bank's trust for the buyer as part of the loan process.

Property taxes in Mexico are usually considerably less than the US Taxes are based on the size of your property and location and in most cases, are less than $1,000 a year.

You may be eligible to get credit in your country for income tax paid in Mexico. Seek advice from your financial advisor for your specific situation.

Since the real property is located in Mexico, Mexican law deems the source of income to be located within its jurisdiction, making it subject to taxation by Mexico. This is consistent with tax practice and legislation all around the world.

Yes, Global Mortgage (MoXi) offers cash-out refinancing to existing property owners of up to 65% LTV. In this example: For a $400,000 home, the maximum available loan amount we offer is $240,000. Any existing lien(s) against the property would have to be paid off with the new loan funds at closing so that Global retains a 1^st lien position.

At this time, Global Mortgage (MoXi) only finances pre-existing homes.