Own Beachfront in Baja — Financing Made Simple

Whether you're dreaming of a vacation home in Rosarito or ready to make the move, we connect you with vetted financing specialists who understand foreign buyers — no Mexican credit history required for most programs.

Why Finance With Us

Built for foreign buyers

Most of our financing partners don't require Mexican residency or local credit history to get started — designed specifically for US and Canadian buyers.

Transparent numbers, no surprises

Real rate ranges, real down payment requirements, and closing costs shown separately — never buried in the fine print.

Guided from estimate to close

Start with a free calculator, get matched with the right financing specialist for your situation, and get support through closing.

How It Works

1

Estimate your payment

Use our calculator to see a real monthly payment range.

2

Check your eligibility

A 60-second quiz tells you what you may qualify for.

3

Get matched

We connect you with a financing specialist suited to your citizenship, residency status, and goals.

4

Close on your home

Your specialist and our agents work together to get you to closing.

Financing At a Glance

Rates and terms vary by buyer profile and property. See your personalized estimate below.

Best for: For permanent residents

Foreign Buyer Program A

Also: For temporary residents · For Mexican citizens

Rates last updated Jul 15, 2026MXN
Rate
9%–12%
Down payment
30%
minimum
Term
20 years
Min. credit score
700+
FICO minimum
Closing costs
from UP To 6% - 8% Depending if need Fideicomiso Setup and Permits
Get your personalized estimate
Best for: No Mexican residency required

Foreign Buyer Program B

Also: Finances new construction · Larger loan amounts

Rates last updated Jul 15, 2026USD
Rate
Not yet confirmed
Down payment
35%
minimum
Term
30 years
Min. credit score
700+
FICO minimum
Closing costs
Typically 10–12% of purchase price. Includes 3% lender origination plus underwriting/processing fees (pre-approval ▎ fees credited if loan proceeds). Rate set 48–96 hrs before closing.
Get your personalized estimate
Best for: No Mexican residency required

Foreign Buyer Program C

Also: Multi-family properties (up to 4 units)

Rates last updated Jul 15, 2026CAD
Rate
9%–12%
Down payment
30%
minimum
Term
30 years
Current terms available on request. Contact us for today's rate.
Min. credit score
660+
FICO minimum
Closing costs
3% lender fee. Approx. $4,200 CAD legal/closing fee. $125 CAD credit report fee. Escrow (used in some purchase transactions to hold funds before releasing to seller) approx. $650 USD when applicable. No application/file review fees
Get your personalized estimate

Know your budget before you fall in love with a home

See your estimated monthly payment, loan amount, and closing costs in real time.

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Frequently Asked Questions

Learn More About Financing

Ready to see what you could afford in Rosarito?