­Which International Mortgage Provider Is Best for Buying a Home in Mexico in 2026?

If you're considering buying property in Mexico but don’t plan to pay all cash, financing options for foreigners have changed significantly over the last couple of years.

For many years, buyers looking for homes in Tulum, Playa del Carmen, Puerto Vallarta, and Los Cabos often explored financing through companies like Intercam Dream Loans, MoXi, and Cross Border Investment (CBI). However, the international mortgage landscape in Mexico has shifted, and buyers should understand the current options available before beginning their property search.

In this updated guide, we’ll discuss what changed with Intercam and CBI, why MoXi remains one of the main financing options available today, and why seller financing homes in Tulum have become increasingly popular among international buyers.

What Happened to Intercam Dream Loans?

Intercam Dream Loans was previously one of the most recognized Mexican bank mortgage programs for foreign buyers purchasing property in Mexico.

The program offered:

• USD-denominated loans
• Financing for U.S. and Canadian citizens
• Long loan terms
• Direct lending through a Mexican bank

However, Intercam’s international mortgage program appears to no longer be actively operating as it previously did. Over time, many foreign buyer mortgage programs in Mexico faced challenges due to:

• Higher international lending risks
• Currency volatility
• Rising global interest rates
• More restrictive lending environments

As a result, international mortgage availability through Mexican banks has become much more limited compared to previous years.

Cross Border Investment (CBI) Is No Longer Offering International Mortgages

Cross Border Investment (CBI) was once one of the most widely discussed international mortgage brokers for foreigners buying real estate in Mexico.

CBI helped many buyers finance:

• Vacation homes
• Investment properties
• Condos in Tulum and Playa del Carmen
• Luxury homes throughout Mexico

However, CBI is no longer actively offering international mortgage financing programs.

This change reflects a broader shift in the Mexico financing market, where many international loan products became more difficult to maintain due to:

• Interest rate environments
• International banking regulations
• Risk management challenges
• Reduced lender appetite for cross-border lending

While CBI previously offered high loan-to-value financing options, buyers today should understand that these products are currently far less common in the market.

MoXi Mortgage Remains One of the Main Financing Options

At the moment, MoXi® International Mortgage remains one of the more recognized financing solutions available for U.S. and Canadian buyers purchasing property in Mexico.

MoXi Key Features:

• 30-year fixed-rate mortgage options
• USD financing
• No Mexican residency required
• Financing for qualified foreign buyers
• U.S.-style underwriting process

MoXi continues to appeal to buyers looking for:

• Predictable long-term payments
• Familiar financing structures
• Financing for higher-value properties in Mexico

Because international mortgage options are now more limited overall, buyers should expect:

• Stricter qualification requirements
• Larger down payments
• Stronger credit and income verification

Why Seller Financing Homes in Tulum Are Becoming More Popular

As traditional international mortgages become harder to obtain, many buyers are now turning to seller financing and developer financing opportunities in Tulum.

Seller financing allows buyers to purchase property directly through:

• The property owner
• The developer
• Flexible private financing agreements

Benefits of Seller Financing in Tulum:

• Easier qualification process
• Faster closings
• Flexible down payments
• Flexible financing terms
• No traditional bank approval required in many cases

Some developer financing programs in Tulum now offer:

• 2–30 year financing terms
• Fixed interest rates
• Immediate delivery properties
• Lower upfront cash requirements

This has made seller financing one of the most attractive alternatives for international buyers looking to invest in Tulum real estate.

Is Financing Still Worth It for Buying Property in Mexico?

For many buyers, the answer is still yes.

Even though financing options have become more limited, Mexico continues to attract buyers because of:

• Lower property prices compared to many U.S. beach markets
• Strong vacation rental demand
• Lifestyle advantages
• Growing infrastructure in areas like Tulum and Playa del Carmen

Buyers simply need to approach financing differently today than they did several years ago.

Instead of relying solely on traditional international mortgages, many buyers are now combining:

• Larger down payments
• Seller financing
• Developer financing
• U.S.-based lending strategies
• Home equity options from their home country

Final Thoughts on Mexico Mortgage Financing in 2026

The Mexico mortgage market for foreigners has changed substantially.

• Intercam Dream Loans no longer appears to actively offer the same international financing programs.
• Cross Border Investment (CBI) is no longer offering international mortgages.
• MoXi remains one of the better-known financing options still available for qualified buyers.

At the same time, seller financing homes in Tulum and developer financing opportunities have become increasingly popular alternatives for buyers who want flexibility and easier qualification requirements.

For many international buyers today, seller financing may actually provide a faster and more accessible path to owning property in Tulum.

Looking for Seller Financing Homes in Tulum?

If you’re interested in:

• Seller financed condos in Tulum
• Developer financing opportunities
• Move-in-ready homes with payment plans
• Investment properties in Tulum

📩 Contact us today to explore available financing-friendly properties and find the best option for your budget and goals.