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

If you're considering buying property in Mexico, but you're not planning to pay all cash, you're in luck — there are now multiple reliable companies offering home loans in Mexico for U.S. and Canadian citizens. But which mortgage provider is best for you?

In this blog, we’ll compare Intercam Dream Loans, MoXi, and Cross Border Investment (CBI) — three major players in the Mexico home mortgage space — so you can confidently choose the one that fits your financial goals and property plans.

🏦 Intercam Dream Loans

Intercam Dream Loans is one of Mexico’s largest banks, now offering international mortgage loans to foreigners looking to buy property in Mexico — including hotspots like Tulum, Los Cabos, and Puerto Vallarta.

✅ Key Features:

• Interest Rates: Fixed rates between 7.9% – 8.9%

• Loan Term: 1 to 25 years

• Loan Amount: Finance up to 65% of the property value

• Currency: USD

• Eligibility: U.S. and Canadian citizens (no residency required)

• Prepayment Penalty: None

🔍 What Sets Intercam Apart?

Intercam offers a one-stop-shop for real estate financing in Mexico. They handle everything from title search to trust setup (fideicomiso) and closing, making it easy for buyers to navigate the process.

If you're looking for a streamlined mortgage solution and working directly with a Mexican bank appeals to you, Intercam is a solid choice.

🏠 MoXi Mortgage

MoXi (MoXi® International Mortgage) is a U.S.-based company offering fully amortized, 30-year fixed-rate loans to international buyers in Mexico.

✅ Key Features:

• Interest Rates: Based on the 3-year U.S. Treasury rate + margin
  (Fixed after closing; typically finalized 48–96 hours prior to closing)

• Loan Term: 30 years (fixed)

• LTV: Up to 70–75% (based on your FICO, LTV & loan size)

• Currency: USD

• Eligibility: U.S. and Canadian citizens (no Mexican residency required)

• Minimum Credit Score: Varies depending on LTV & loan size

🔍 What Sets MoXi Apart?

MoXi provides long-term predictability with their fully fixed-rate loans, making them an excellent choice for buyers looking for stability and transparency. They use a formulaic margin system, which ensures consistent and fair rate calculation based on your creditworthiness and financial profile.

If you’ve already selected a property and plan to close within 120 days, MoXi can lock in your margin early for extra peace of mind.

🌐 Cross Border Investment (CBI)

CBI is a seasoned international mortgage broker based in Puerto Vallarta that partners with lenders in both the U.S. and Mexico. CBI has helped thousands of buyers get financing throughout Mexico, including in Tulum, Cancun, Playa del Carmen, and more.

✅ Key Features:

• Interest Rates: Starting at 7.5%

• Loan Term: Up to 30 years

• LTV: Up to 85%

• Currency: USD

• Minimum Loan Amount: $100,000 USD

• Minimum Credit Score: 680

• Closing Timeframe: 6–8 weeks

• Insurance: Property insurance required; life/title insurance may apply

🔍 What Sets CBI Apart?

CBI is known as Mexico’s most innovative and client-focused mortgage broker. They provide personalized service and handle every part of the process — from loan preapproval and appraisal to closing and trust formation.

Their ability to secure higher LTVs (up to 85%) and collaborate with multiple financial institutions gives buyers more flexibility in choosing their loan structure.

Summary Comparison Table

💬 Final Thoughts: Which Is Best?

• Choose Intercam if you want a well-established Mexican bank handling everything from start to finish — great for buyers wanting in-country support with a simple process.

• Choose MoXi if you prioritize 30-year fixed-rate stability, U.S.-style underwriting, and a transparent formula-based rate system.

• Choose CBI if you want a higher loan-to-value, a customized approach, and flexibility in lender selection. CBI shines in service and innovation.

🛎 Ready to Get Started?

No matter which lender you choose, getting a mortgage loan in Mexico is more accessible than ever.
Use these tools to estimate your payment and take the next step:

• Prequalify for Mortgage – Intercam

• Mortgage Estimate – MoXi

• Prequalify for Mortgage – CBI

Gaspar Michel

Gaspar Michel is a real estate agent in Tulum. I have lived in the Riviera Maya for 3 years and I can help you navigate the pros and cons of each city. I can help you if you are looking to buy a new home for yourself/family, a vacation rental, and/or both. I can help you find your dream home even if you are not a Mexican citizen.