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MEXLend offers our clients access to the most competitive mortgage and business loans rates across Mexico

Frequently Asked Questions

We know that understanding how to get a mortgage in Mexico can seem complicated. But after helping hundreds of buyers secure loans to buy property in Mexico, we can anticipate your questions and provide easy-to-understand answers. We have put together a FAQs for mortgages in Mexico, which should help you understand the ins and outs of getting a mortgage in Mexico or financing a house in Mexico through other options. At MEXLend, we believe that getting a loan for a house in Mexico should be as easy and simple as possible. Talk to our agents about solutions that will work for you.

Incorporation and Citizenship

Q: What are the advantages and disadvantages of incorporation & citizenship? Colette Désy A: The major advantage of incorporation or citizenship is that you can avoid having to establish and maintain a Bank Trust (Fideicomiso) for property purchases. The Mexican government views a Mexican corporation similarly to that of citizenship and therefore no Bank Trust…

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What is a Trust and why is it needed?

Q: What is a Trust and why is it needed? Alicia M., Vancouver, B.C. A: For historical reasons, the Mexican Constitution forbade foreigners from buying property in designated restricted zones. These zones are comprised of areas near the Mexican border and areas near the coast. The advent of the Trust became a device whereby the…

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How Does the Loan Process Differ?

Q: How does the loan process differ in Mexico? Paul, V, Minneapolis, MN A: Not as much as you would think, primarily with governmental involvement, closing times and costs. With a US dollar loan, many aspects of the loan process in Mexico are strikingly similar to those in the United States. For example: MEXLend uses…

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What Type of Loans are Available?

Q: What are the different types of loans available in Mexico? Stephanie C., Chicago, IL A: US Dollar loans from private sources and Mexican Peso Loans from Mexican banks. For general purposes, the loans available fall into one of the five following categories: Purchase, Refinance, Home Construction, Peso Loans and Commercial. Loans are available for…

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What are the advantages and disadvantages of refinancing in Mexico?

Q: “I am hearing more and more about re-financing here as an option. What are the advantages and disadvantages of refinancing in Mexico?” Steve Y., Coeur d’ Alene, ID A: Refinancing is one of the most exciting new offerings from our US. investors lending in Mexico. Softel estimates that in 2006, only 10% of housing…

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Private Lending Sources

Q: “Are there any private lending resources for buying in Mexico?” Timothy Wilson A: Yes indeed – there most certainly are private lenders available for real estate purchases in Puerto Vallarta, just as there are in the U.S., Canada and elsewhere.  Our Private lender program is extremely strong at this point with loans closing throughout…

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Questions to ask a Broker

Q: “How would I go about selecting one Mortgage Broker over another? Don’t you all offer the same products and services? Yolanda Fisher, Denver, CO A: Choosing a Mortgage Broker in Mexico is a lot like choosing a Realtor or Attorney anywhere else. A referral from a trusted source is almost always the best way…

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