Buying surf-front or luxury beachfront property in Mexico often starts with excitement — and then hits a wall.
“This is incredible… but I’d have to pay all cash.”
That assumption has stopped countless buyers over the years. The reality today is very different, thanks largely to the strategic partnership MoXi (Global Mortgage) has with International Surf Properties. Moxi is the leading cross-border mortgage provider for U.S. buyers purchasing property in Mexico.
MoXi Built for Foreign Buyers
MoXi was built specifically for foreign buyers who want real financing — not workarounds, not improvised local bank solutions, but a mortgage structure that actually makes sense.
These are U.S.-style mortgages designed for Mexican property. MoXi underwrites borrowers using U.S. credit scores, documented income, assets, and debt-to-income ratios. If you’ve financed property in the U.S. before, the process will feel familiar.
What surprises most surf and luxury buyers is how straightforward the structure actually is.
MoXi typically offers:
- Financing up to approximately 65% loan-to-value
- A down payment of around 35%, plus closing costs
- Fixed-rate, fully amortized loans
- Loan terms that can extend up to 30 years
- Loans denominated in U.S. dollars, not pesos
For buyers earning and thinking in dollars, this removes a major layer of currency risk and uncertainty.
Another common misconception is that beachfront or surf-front properties can’t be financed, especially in Mexico’s restricted coastal zone. In reality, MoXi regularly finances properties held in a fideicomiso (bank trust). This structure is standard in coastal Mexico and fully compatible with mortgage financing when handled correctly.
Luxury and Beach Lifestyle Buyers
MoXi’s programs are particularly well-suited for luxury and lifestyle buyers. Loan sizes generally start in the mid-hundreds of thousands of dollars and extend into the multi-million-dollar range for qualified borrowers. These loans are commonly used for second homes, high-end vacation residences, and premium investment properties where buyers want to preserve liquidity instead of tying up all their capital.
Fixed Interest Rates
Interest rates are fixed and typically run modestly higher than comparable U.S. mortgage rates — a tradeoff many buyers accept in exchange for long-term predictability, leverage, and flexibility. Refinancing is also possible, including cash-out refinancing up to roughly 60–65% loan-to-value, depending on the property and borrower profile.
Closing Costs
As with any Mexican purchase, buyers should plan ahead for closing costs. Total costs — including acquisition tax, notary fees, registration, and lender-related expenses — often fall in the 5–10% range of the purchase price, varying by state and structure. Buyers who prepare early and pre-qualify tend to experience much smoother, faster closings.
No Longer Cash or Nothing
For years, the coastal real estate conversation in Mexico was simple: cash or nothing. MoXi has changed that narrative. Financing now allows surf and luxury buyers to pursue better properties, act more decisively, and structure purchases in line with long-term financial goals rather than outdated myths.
Decisions
At International Surf Properties, we believe exceptional coastal real estate decisions start with clear, accurate information. If you’re exploring surf-front or luxury beachfront homes in Mexico, understanding how financing actually works may be the difference between admiring the lifestyle — and owning it.
