Financing

Financing Your Property in Mexico

Understanding your options is the first step. We'll help you find the approach that makes the most sense for your situation.

Financing real estate in Mexico works differently than in the United States or Canada. It's important to understand those differences upfront — not to discourage you, but to help you make the smartest financial decision possible.

What You Should Know Before We Begin

Mexican mortgage products exist and are available to foreign buyers — but interest rates in Mexico are significantly higher than in the US or Canada. For this reason, most of our international clients leverage capital from their home country through a home equity loan, line of credit, or liquid assets.

That said, Mexican financing is a legitimate option. Terms change frequently, so we always recommend a direct conversation to discuss what's currently available.

Your Options
Four Ways to Finance Your Purchase
Most Common

Home Equity or Capital from the US & Canada

Most international buyers purchase using a home equity line of credit (HELOC), refinance, or liquid savings. Interest rates at home are far more competitive and the process is faster.

This gives you the purchasing power of a cash buyer in Mexico — a significant negotiating advantage.

Available in Mexico

Mexican Mortgage Products

Lenders such as Moxi offer mortgage products for international buyers using the property as collateral. The key consideration is cost — interest rates are higher than what US or Canadian buyers are used to. We can connect you with lenders to compare current terms.

Seller Financing

Developer & Seller Financing

Some developers — particularly on pre-construction projects — offer their own financing arrangements with flexible terms. Some individual sellers also carry a note on a case-by-case basis.

Strongest Position

All-Cash Purchase

A significant portion of Los Cabos transactions are all-cash. Cash buyers hold a strong negotiating position — sellers prefer the certainty of a clean, fast close with no financing contingencies.

Not Sure Which Option Is Right for You?

Every buyer's financial situation is different. Let's have an honest conversation — no pressure, no obligation.

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📞 +52 (624) 142 6039  ·  ✉️ info@bajasmart.com