Financing Real Estate in Los Cabos, Baja Mexico | Baja Smart
From MEX (624) 142 6039
From US (949) 200 6640
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Financing Real Estate in Baja California Sur

Financing Baja Real Estate

It is possible for Americans, Canadians and foreigners to finance property in Mexico.

Mortgage Terms

Minimum loan size $250,000.00 USD

65% Loan to value of the appraisal value (risk adjusted)

Loan term: 1 to 25 years (risk adjusted)

Fixed rate: defined according to credit profile and market conditions.

We update this page as programs change; this report is current/accurate as of September 2024.


Prequalification

Prequalification The prequalification or creditworthiness process starts by answering a short series of questions and giving the authorization to order your credit report. The cost of the credit report is $100 USD. The credit along with the shorts answers to each question provides you with an initial decision that will determine the next steps in the loan process. 

For each applicant the following information is required:
Type of loan: Purchase or Cash-Out Refinance
Loan Amount
Property Address
Is this property going to be a primary or secondary residence?
Name 
Address 
Phone number 
Email 
Social Security Number
Date of Birth 
Estimated Annual Income 
Estimated Assets (checking, savings, retirement, etc) 
Signature for borrower certification and authorization


The next step is to complete the prequalification process. All required information listed above is reviewed for accuracy and determined if you meet the strict requirements of progressing to the pre-approval, underwriting, and funding of the loan. You will receive a decision on prequalification within 48 hours after all information has been provided. 
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Álvaro Obregón 1240 Art District San José del Cabo 23400 Baja California Sur
From MEX 624 142 6039 | From US (949) 200 6640 | Email: info@bajasmart.com

The offer price is in USD dollars, current currency of the USA, in accordance with Art8 of the Monetary Law in force, the deed value will be in national currency at the exchange rate of the signing before a Notary Public. In accordance with NOM 247 of Profeco, the prices published in national currency are for information use only, resulting from the arithmetic multiplication of $18.46 per US dollar. Payment method: Cash. Financing not available.

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