Financing a Mexican property without overpaying for it.
Most North American buyers in Mexico pay cash or draw on US home equity, because the peso-mortgage math rarely beats USD-denominated debt once you price in FX risk. But the right answer depends on your home market, your tax situation, and the property you're buying.
Cross-border financing in Mexico: the four real paths
Cash, HELOC, US-based specialty lender, or Mexican peso mortgage — what each one costs, what each one is good for, and where each one falls apart.
The Mexican cross-border mortgage market
Who lends to non-residents on Mexican property, what they charge, and what the underwriting really looks like for an American or Canadian buyer.
How to finance property abroad: the cornerstone framework
The decision tree that works across countries — how to think about leverage, currency exposure, and underwriting before you commit to a structure.
HELOC vs. cross-border mortgage
The two financing structures most American buyers weigh — when each wins and when each loses.
Seller financing in Mexico
When seller financing works (and when it doesn’t), how to structure it through a notario, and the diligence buyers skip.
Calculator: HELOC vs. peso mortgage
Five-year side-by-side with peso devaluation sensitivity. See what FX moves cost you.
Calculator: Mexico closing costs
ISAI, notary, fideicomiso, attorney, title — all-in cost and cash needed at closing.
One market read, one process explainer, one number to know.
Free, no sponsors. Cross-border property and retirement, written for North American buyers.