FINANCING FOR U.S. CITIZENS 

We've partnered to bring you access international financing products that are built like U.S. financing products.

From pre-qualification to closing, MoXi® expertly coordinates your transaction. 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.

MoXi® has significant capital (hundreds of millions of dollars) from which to fund its mortgage loans, and is a regulated and audited financial institution in Mexico. MoXi complies with all applicable laws in 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 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 30 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, MoXi® offers competitively priced mortgage loans from $250,000 - $ 2.5 million US Dollars 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 USD $750,000 home, the maximum loan amount would be USD $487,500.

MoXi® provides financing to U.S. citizens on Mexican real estate. To apply, fill out the form on this page.

MoXi offers U.S. citizens sound and secure cross-border mortgage financing for purchasing destination real property in Mexico or for refinancing an existing mortgage. For current owners, MoXi also provides cash-out refinance options that provide secure liquidity without restrictions on the use of proceeds. 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 and/or complete your application on our website. Our team will reach out and discuss next steps.

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. This said, MoXi® carefully selects its partner financial institutions who hold client’s fideicomisos and MoXi monitors fideicomiso renewals annually as part of loan servicing activities.

A buyer of Mexican real estate holds the same rights as a property owner in the U.S., 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 fideicomiso (trust). If this is the case, the buyer has the option of assuming that trust or having the property vested in a new trust. MoXi’s in-house and external legal teams work together with clients to educate and make an informed decision about vesting.

No. Under the trust agreement, the beneficiary (you) 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 without issue.

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 seamless long-term control of the asset. The property can be willed from generation to generation, sold, improved, etc. There are no restrictions that prohibit U.S. Citizens from owning property in Mexico via a Fideicomiso. MoXi®, working with you, its partners, and vendors creates a trust for you as part of your loan process. You may choose to hold your rights to the property in your individual name(s), a U.S.-based revocable trust, LLC, or corporation.

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