Baja Mexico Mortgage Loans and Financing Services

ConfiCasa Mortgage International is the pioneer in financing Mexican properties for Americans and Canadians. Whether buying a primary residence, second home, or an investment property, we understand that purchasing real estate in Mexico can feel like swimming through uncharted waters. Allow ConfiCasa Mortgage International to navigate you through the rough waters of the Mexico home buying process.  
For 10 years, we have worked hard to provide you not only with the most competitive mortgage programs, but also the information, tools, support and guidance you need to successfully purchase your Mexican dream home.

 
Who is ConfiCasa Mortgage International?

    • Founder & longest standing provider of cross-border Mexico mortgages with over 10 years of experience

     • First to close a mortgage for a U.S. resident and a Canadian resident purchasing property in Mexico

     • U.S. based company with headquarters in Houston, a corporate office in Chicago, and a diverse range of partners throughout the resort areas of Mexico

Why ConfiCasa Mortgage International?

     • Broadest array of mortgage financing products

     • Offers exclusive loan programs only available to clients of ConfiCasa Mortgage International

     • Ensures the smoothest lending process with the deepest level of expertise

     • Extensive partner relationships serving every client need from start to close, including title insurance, escrow services, bank trust set up, appraisers, legal representation and coordination of notarios públicos

     • With our sole product focus on the U.S. and Canadian buyer purchasing property in Mexico, we provide the utmost client attention and a deep level of expertise

     • Preferred lender for many prominent residential developers throughout Mexico

     • Largest referral network with over 1,500 real estate agent and brokers spanning all of North America

For more information contact Laura at bajalaura@gmail.com

Baja Real Estate Home

Loan Programs for Baja Mexico

Premier II –Purchase, Refinance Cash-Out & New Home Construction
Full Doc Only * DTI 40% & Minimum FICO (credit scores) of 680 can use this program Purchase LTV’s up to 70% * Cash-out LTV’s up to 65% * Construction LTV’s up to 65%20, 25, 30 year fixed rates available Construction And Long-Term fixed rate (for High Net-Worth clients that can prove income with tax returns) Resort Areas Only (Includes San Miguel De Allende)Minimum loan Purchase $200,000 * Minimum construction $500,000 * Max $2,000,000 U.S. Citizens and Legal Residents (must prove continuing ownership of a US property for a least 5 years prior) High Net-Worth Requirements

Premier III -Purchase, Refinance, Cash-Out & Lot only Purchase

 Full Doc Only for Primary or Second Homes * DTI 42% & Minimum FICO (credit scores) of 650 can use this program

No Prepayment Penalty70% LTV with 15, 20, 25 year Fixed Rates available * Long term fixed rates and Interim ARM’s Lot Loans in formal developments (all municipal services) Purchase, Refinance and Cash-out to 75% LTV Lot Loans 70% LTV * Fractionals 50% LTV * Canadians 65% LTV Minimum Loan $100,000 * Maximum loan $1,000,000 (Loan amounts over 1 million case-by-case with loan committee review)

Premier V Purchase, Refinance, Cash-Out & New Home Construction

Full, Alt/Doc and Stated Qualifying for Single Family detached homes & vacation homes DTI 42% & Minimum FICO (credit scores) of 660 can use this program 3 year Penalty (3-2-1 Prepayment Penalty)80% LTV for U.S. Citizens & U.S. Legal residents Canadians –(credit score and LTV driven) 10, 15, 20, 25 & 30 yr fixed rates Minimum loan Purchase: $200,000 * Minimum construction loan $500,000 Max loan amount $400,000 and up to $1,750,000 (credit score and LTV driven)

Premier VI -Purchase, Refinance, Cash-Out

The Best All Around Program

Full, Alt/Doc and Stated Qualifying for Primary, Second Homes, vacation homes and Investment3 year Penalty (3-2-1 Prepayment Penalty)DTI 42% & Minimum FICO (credit scores) of 660 can use this program Stated Program: 75% LTV with FICO (credit scores) of 720 and reserve PITI requirements of 12-18 months –Case –by -case5 & 7 Year Hybrid Rates * Purchase and Cash-out Refinance Minimum Loan $100,000 * Maximum $2,500,000 * LTV’s vary according to loan amount 80% LTV for U.S. Citizens & U.S. Legal residents Canadians -casa-by-case

Premier VIII –Traditional Purchase & Pre-Sale/Construction

Full Doc Qualifying for New Home or condo construction and purchases DTI 40% (25% Payment /Income) & Minimum FICO (credit scores) of 650 can use this program2% prepayment penalty applies on the first 5 years 10 & 20 (Plus 15 with 30 amortization) Minimum Loan $100,000 * Maximum $600,000 * LTV’s / LTC’’s 75%

For specific loan details please contact Laura at bajalaura@gmail.com