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Buying Property in Mexico

So you have found your dream property in Mexico!

Buying property in Mexico may seem a little daunting and different than in your country, but well worth it. The key word is different not better, not worse, just different…

With our team at MEXLend working in tandem with your real estate professional, you will be amazed at how quickly you become comfortable with the process.

In many ways, purchasing real estate utilizing a financing option further protects your investment. U.S. and Canadian lending institution impose rigid documentation requirements for the sellers of Mexican properties, to ensure clear and clean title. You, the client, can rest assured with the knowledge that your weighty investment has been scrutinized by teams of experts and deemed a worthy transaction.

The following is a summary of some of the terms and professionals that will be involved in the acquisition, but remember, don’t let these terms scare you… Our team at MEXLend and your real estate professional will be guiding the entire transaction.

Fideicomiso (Bank Trust):

This is perhaps the most misinterpreted aspect of purchasing property in Mexico. Historically, foreigners were denied the privilege of owning property in Mexico in the restricted zones. The restricted zones are the coastal areas and borders. However, realizing the benefits of foreign investment capital, the government of Mexico has found a way to make that easier. That way is the Fideicomiso or Bank Trust.

Simply put, your property is placed in a Trust to be administered by a Mexican Bank on your behalf. The life of your Fideicomiso or Bank Trust is 50 years. You are in control of that Trust and it is willable, saleable, transferable and renewable. This is NOT A LEASE; it is a trust and acts the same as a Trust in the U.S. to protect your interests.

There is a fee (usually $690 USD) or so to set up the Trust, and thereafter there is a yearly fee for the administrative costs.

Should the bank holding your trust be bought out by another institution or become insolvent, your trust will automatically be assigned to another banking institution. In other words, your trust IS NOT an asset of the Trust Bank; they are merely the stewards of the trust.

For further information: The what and why of the Mexican Real Estate Trust

Offer and acceptance:

Once you have identified a property that you wish to purchase, your real estate professional will draw up a contract of offer. Once the offer has been accepted, you will be required to make the contract official, and MEXLend will guide the Opening of an escrow account with normally approximately 10% of the agreed upon purchase price.

Escrow account:

One of the most exciting developments for protection of both you and the seller has been the involvement of U.S. escrow companies in the process. It is from this stateside account that all disbursements will be issued towards you purchase. Lenders insist on utilizing escrow accounts. This protects both you and the seller. Funds will be dispersed upon closing. For more information visit: Fidelity Title Insurance.


A notary public in Mexico is a far more important personage than in the U.S. A notario is a lawyer that has passed stringent exams set forth by the Mexican government and is indeed, a government official. All business transactions including real estate sales must be officially registered and officiated by a notario. There are only a handful of notarios in each municipality, so they are very busy folks.

Should you get Title Insurance?

Some of the lending institutions that MEXLend represents insist on title insurance while others are comfortable with the due diligence of the appointed notarios. This is a decision that you, the client must make. A small amount of money, can buy a large amount of peace of mind. There are many U.S. title companies entering the Mexican market and MEXLend can recommend this company to you: Fidelity Title Insurance.


Residential Loans

MEXLend offers the best residential loans in Mexico--the entire country--whether it be Los Cabos, Cancun, Playa del Carmen, Tulum, San Miguel de Allende, Manzanillo, Loreto Bay, Mazatlan or anywhere on the interior. We also have different types of financing available to best suit your needs. Currently, we have two primary paths of mortgages for all nationalities buying in Mexico...

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Contact us today to access the funds to start or grow your business in Mexico

Commercial Loans

MEXLend has large international funds as well as Mexican banking entities that fund projects throughout Mexico. MEXLend is in the unique position to offer this financing throughout Mexico and these loans are not limited to real estate development, but have included oil industry, and infrastructure projects as well...

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Contact MEXLend today to allow your clients to efficiently and effectively navigate the Mexican mortgage brokering process

For Realtors and Developers

We have created this page specifically for the realtors and developers interested in increasing their sales by offering financing to their clients. Developers Solution Program--an innovative plan in which you can offer your clients a US Dollar mortgage for under 10% interest. Our team will work with you to implement this financing, which can also be PRE CONSTRUCTION!...

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