The SoBankable Cross-Border Mortgage is a straightforward, reliable way to finance your dream property in Mexico as a non-resident.
We lend our own funds, giving you a seamless, flexible mortgage experience designed specifically for international buyers. Unlike many lenders, SoBankable does not require you to be a Mexican resident or have local income. We assess your application based on your home-country profile, making it easier for you to secure financing abroad.
Qualifying for a SoBankable Mortgage
To qualify for a SoBankable Cross-Border Mortgage, you must:
- Be a Canadian or American citizen or permanent resident
- Be purchasing or refinancing an eligible residential property in Mexico (condo, home, villa, etc.)
- Provide a minimum down payment of 30%
When you apply, we will review:
- The type, value, and location of the Mexican property
- Your home-country credit profile
- Your income and assets (to cover mortgage, taxes, insurance, and related costs)
- Your existing debts in your home country
Before applying, please gather the following information:
- Property details (location, type, purchase price)
- Proof of down payment
- Personal ID
- Income verification (recent tax returns, pay stubs, or pension statements)
- Credit report or consent for a soft credit pull
- Existing mortgage and debt statements (if applicable)
- Purchase agreement or reservation contract
- Appraisal or inspection reports (if available)
Ways to Apply
Applying with SoBankable is fast, easy, and tailored to international buyers.
- Apply online: Start anytime with our secure online application to get pre-qualified and estimate your borrowing power.
- Apply through a mortgage broker: We work closely with leading brokers and agents in Canada, the United States, and Mexico.
