Yave provides fast, easy and transparent mortgages for non-mexican residents.
Up to 20 years, only 15% down, fixed rate Apply online Cross-border loans made easy
Fill out a simple online form to find out how much you could borrow.
Provide more information on your income sources, credit report and yourself. We’ll review your application and provide an answer in less than 72 hours.
Use your loan and buy your house The final step towards ownership, sign the paperwork and get the keys of your new home.Mexican property rights are complex, especially if you are not a citizen and want to buy near the beach.
That's why we have a dedicated cross-border team at Yave. We protect you and your investment.
Transparent pricing, no hidden fees or commissions Local experts with deep expertise in helping non-mexican citizens We are pioneers in providing cross-border loans Customer satisfaction On the market In home loans fundedStart owning your home today. Other lenders ask for 30% or more down, with us you can get started with just 15%. Pay off your mortgage over up to 20 years with a fully fixed rate.
With Yave you can buy your home in Mexico without needing to obtain mexican residence or citizenship. Get financing with no strings attached.
Yes, US citizens and citizens from any other country can buy in Mexico, although they are subject to some restrictions buying near the beach or border.
Can I buy on the beach if I’m not a Mexican citizen?Yes! We’ll help you set up a trust so that you can purchase your home while complying with Mexican regulations.
Why do I need a trust to buy on the beach?Mexican Law forbids direct ownership of properties located 50 KMs from the beach or 100 KMs from the border by non-citizens. Fortunately you can set up an ownership structure through a trust to legally own a beach or border area home in Mexico as a foreigner.
What rights do I have as a non-citizen property owner in Mexico?Regardless of whether you purchase using a trust or not, you have more or less the same rights as you would have in the United States as a property owner, including the right to use, rent, sell, remodel, etc. Without restriction.
Do I still need a trust if I’m not buying near the beach or border? Will my loan be in pesos or dollars? How will I be billed?Your loan is going to be funded and billed in mexican pesos. This aligns the value of your property with your loan!
I’m from Canada, UK, France, Germany, China, some other non-US country. Can I get a loan from Yave?Although our loan application process is tailored for Americans, we can and have funded loans for all of the above in Mexico. Please note that processing times are slightly longer and additional documentation may be required.
How do I know if I qualify? Can I buy commercial real estate? Or a plot of land to build on?No. The loan can only be used to buy a property for residential / living purposes that is near-ready to be inhabited.
Can I buy a pre-sale property?We can only fund your loan once the property is ready for delivery, this means that if you need financing for a downpayment or any kind of prepayment on the property, you would need to look for other alternatives.
How much can I borrow?That’ll depend on your financial situation, mainly how much income you make every month and how much you owe. If your loan is for more than $500,000 USD (10 million pesos) processing times can increase significantly.
¿Tienes más preguntas?Estamos aquí para ayudarte, ponte en contacto con nosotros y resolveremos tus dudas tan pronto nos sea posible.
Yave Mortgage for non-mexican citizensCAT without IVA of 12.8% calculated as of April 1, 2024. It is based on average home value of 4 million pesos, fixed annual weighted average interest rate of 10.60%, for a term of 20 years, with 80% financing and represents the total annual cost of financing expressed in annual percentage terms including all the average guaranteed costs (mortgage). Including life and damage insurance, origination fee, administration and interest, excluding federal and local taxes and duties, as well as the costs corresponding to procedures and services provided by third parties. For informational and comparison purposes only.
