Can I get mortgage financing in the U.S. as a Mexican citizen?

✅ Mortgage Financing for Mexican Citizens in the U.S.

📋 Requirements:

• Down payment: Typically 30% to 50% of the purchase price
   
• Valid passport (and visa, if visiting the property)
   
• Proof of income or assets from Mexico or other countries (bank statements, employment/income letters, tax returns)
   
• Credit references (sometimes from Mexican banks or international credit institutions)
   
• U.S. bank account is often required for payments
   

💰 Loan Terms:

• Loan terms usually range from 5 to 30 years
   
• Interest rates are typically 1–2% higher than for U.S. citizens
   
• Loan amounts often start at $150,000–$200,000 USD minimum
   
• Some lenders offer interest-only or adjustable-rate options
   

🏦 Recommended Lender Types:

• U.S. banks with foreign national loan programs
   
• Specialized international mortgage brokers
   
• Lenders with Latin American divisions or Spanish-speaking teams
   

🔐 Important Notes:

• Mortgages may only be available for certain types of properties (e.g., not all condo-hotels qualify)
   
• Some buildings require pre-approval of the lender by the condo association
   
• Not all lenders allow Airbnb/short-term rental properties as eligible collateral
   

💡 Final Tip:

Work with a real estate agent and mortgage broker experienced in working with Mexican and Latin American buyers. They can guide you to the right banks, help with document translation, and structure the transaction to fit your investment goals.

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Antonio Aguirre

Meet Antonio Aguirre

Broker Associate | Realtor® based in Miami, FL

With over 20 years of real estate experience, Antonio Aguirre is a trusted expert helping buyers, sellers, and investors—both local and international—make smart, strategic decisions in one of the most competitive markets in the U.S.

Antonio’s career began by opening offices, recruiting, training, and mentoring agents across the U.S. and Latin America. His leadership and consistent results have earned him multiple industry recognitions, and his global perspective allows him to understand and meet the diverse needs of his clients.

Today, Antonio leads a multidisciplinary team committed to delivering comprehensive, transparent, and personalized service. Whether you’re investing in pre-construction, exploring private equity opportunities, or looking for existing properties, Antonio has the knowledge, network, and resources to help you secure the best possible deal.

A true Miamian at heart, Antonio is passionate about watersports and gastronomy—qualities that reflect his energetic, detailed, and client-centered approach to real estate.

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Ready to take the next step?

📞 Schedule a private consultation: +1-786-309-1965
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