MoXi offers refinance loans from $250,000 to $2.5 million USD on residential property in Mexico valued at $400,000 or above. Rate and term refinances go up to 65% of the appraised value of the property. Cash out refinances go up to 60% of appraised value. For example, on a $1,000,000 appraised home, the maximum cash-out loan is $600,000. Any existing lien is paid off at closing with the new loan proceeds.

Yes, and this is one of the most strategic uses of a MoXi cash-out refinance. Many of our clients originally funded their Mexico purchase by tapping U.S. liquidity (HELOC against a primary residence, margin loan against a brokerage account, or a 401(k) loan). Those instruments work in the short term but they carry real risk over time: HELOC rates are variable and have moved sharply, margin loans can be called when markets drop, and 401(k) loans accelerate to full repayment if you leave your employer. A MoXi cash-out refinance secured by your Mexico property lets you pay off those U.S. positions, reclaim your U.S. liquidity, eliminate margin call exposure, and lock in a predictable long-term fixed rate USD payment. We coordinate the payoff at closing. Your advisor will walk through the math specific to your situation on your strategy session.

MoXi issues fully underwritten pre-approvals, not the basic pre-qualifications most lenders offer. A fully underwritten pre-approval means our underwriting team has reviewed your documentation, verified the details of your scenario, and committed to financing terms subject to property appraisal and title work. This carries far more weight than a basic pre-qualification and gives you clarity on what you can actually finance. Timing varies based on the completeness of your documentation and the complexity of your scenario. Your advisor will outline the timeline specific to your situation on your strategy session.

Closing costs on a refinance are generally lower than on a purchase because the Mexican government transfer tax usually does not apply on a refinance transaction. Your advisor provides a detailed Loan Estimate as part of pre-approval. The MoXi fee schedule is available at bit.ly/moxi-fees.

No. Property held in trust through a Fideicomiso (the Mexican bank trust used by foreign buyers in Mexico) is not an asset of the bank. The bank is the trustee. The beneficiary (you) holds all rights of ownership, use, sale, improvement, and inheritance. If the trustee bank were to face financial difficulty, the property is simply transferred to another trustee bank under Mexican federal law.

A Fideicomiso is a Mexican bank trust that allows non-Mexican citizens to hold residential property in Mexico. The initial term is 50 years and is renewable indefinitely in 50-year terms. If your property is already held in a Fideicomiso, you may be able to assume that trust into the refinance structure. If it is held in another form, MoXi coordinates trust setup as part of the loan process.

MoXi reports mortgage interest paid in the United States, which may make it potentially tax deductible on your United States federal return depending on your individual situation. Because of the United States and Mexico treaty against double taxation, you may also be eligible for tax credits in the United States for taxes paid in Mexico. Speak with your CPA or tax advisor for guidance specific to your situation.

At this time MoXi finances only completed, habitable residential property. This includes condos, single family residences, 2 to 4 unit residential properties, and occasionally mixed use properties where 50% or more of the air-conditioned square footage is residential. Raw land and ground-up construction are not currently in our program.

Yes. 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.