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Financing Your Dream Home in Mexico

Welcome to Top Mexico Real Estate, your trustworthy partner in finding your dream property in Mexico with flexible financing options.

Your journey towards owning your dream home starts here. Whether it’s a sun-soaked beachfront villa, a charming colonial-style retreat, or an investment opportunity, our mission is to guide you through a journey of possibilities, making property ownership not only achievable but also a delightful experience.

With our expert guidance and 18+ years on the market, navigating the intricate landscape of real estate financing becomes effortless, allowing you to focus on embracing the beauty and culture Mexico has to offer.

Whether you’re looking to invest or settle down, we’ve got you covered with:

  • Developers Financing

  • Financial Institutions

  • Seller’s Financing

Financing Your Dream Home in Mexico

Need a loan to finance your dream home in Mexico?

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Option # 1: Developers Financing

We understand that every buyer’s financial situation is unique. That’s why we’ve collaborated with reputable developers who offer financing solutions.

Experience the flexibility of financing with benefits such as:

  • Financing terms ranging from 5 up to 12 years.

  • Simpler process and fewer documentation needed.

  • 20+ Residential Developments to choose from.

Discover Exclusive Properties With Financing
Developers Financing

Option # 2: Financial Institutions

When it comes to securing a loan for your Mexican property, we’ve partnered with trusted financial institutions to provide you with seamless financing options.

Get access to competitive interest rates and personalized loan solutions to start your Mexican property journey. Furthermore, with extensive experience in lending to foreigners, they can help you get a mortgage for your dream home in Mexico.

  • Fixed interest rate: Defined according to credit profile and market conditions.

  • Efficiency & Support: One-stop banking experience and full support from the first call until you have your dream home’s keys in your hands.

  • Ample financial experience: Proven track record and 30+ years of experience.

  • Transparency: No hidden fees

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Financial Institutions
Seller's Financing

Option # 3: Seller's Financing

We also offer seller financing opportunities.
Here's an example of how it works:

John Doe’s dream house

  • Listing Price: $250,000

  • Buyer’s Down Payment: $125,000 (50%)

  • Seller Financing: $125,000 (50%)

  • Terms: Negotiable for a win-win solution.

  • Simpler process and fewer documentation needed.

Frequently Asked Questions (FAQs)

Still have doubts? No worries!
Check out our frequently asked questions to find answers to your queries:

  • What are the interest rates if I get a loan to buy a house in mexico?

    The interest rates of mortgage financing in Mexico will totally depend on the source of capital. When it comes to financial institutions that give mortgage loans in Mexico, the interest rates can be around 9% to 10%. However, if what you’re planning is to get a property financed by a developper, you can expect interest rates to be from 5% to 10%. Finally, if your dream home offers seller’s financing you must know that , although negotiable, interest rates can be 4% to 8%.

  • How many years can I finance my property for?

    One of the most popular queries we get is regarding time. When you are looking into getting a mortgage loan to buy a home in Mexico, the number of years will depend on the type of property and the financing option you choose. For developers financing it can go from 12 months up to 10 years. However, the period can be extended when you get a loan from financial institutions; starting at 12 months and up to 30 years. Lastly, with seller’s financing the financed period (as the majority of other terms) is negotiable and thus can be conveyed by both parties.

  • For what types of properties can I get a mortgage loan in Mexico?

    You can finance any property of our listings: Condos, studios, villas, etc. However, you have to be aware of the price point as financial institutions require a minimum of $250,000 USD to approve your loan. With developers financing, properties are constantly changing, therefore we strongly recommend contacting one of our buyer’s representatives to get an updated list of the developments with financing.

  • Will financing real estate in Mexico put a lien on my property?

    When getting a loan in Mexico to buy a house, you must take into consideration the following: Both of the financial institutions we work with, accept the property you are purchasing as collateral, providing you with added peace of mind. If you are purchasing a property financed by the developper, they will issue a retention of title clause until the property has been fully paid off. When it comes to seller’s financing, there is also a retention of title issued in which both the buyer and seller appear on the title, once paid off, the title is modified. It is important to mention that both parties are protected, as the terms appear on the document.

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We can answer your financing questions

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Thomas Lloyd

Thomas Lloyd

Founder & CEO of Top Mexico Real Estate

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