Your Questions, Answered

Yes. Depending on your credit history, there may still be alternatives available. Every situation is different, so we can review your profile and identify which options could work for you.

All banks can offer good options. The best one for you will depend on your profile, your needs, and the details of the property purchase. Our goal is to help you compare alternatives and find the one that best fits your situation.

Both can be very good options. The best alternative will depend on your profile, the resources available to you, and the details of the property purchase, so it is worth reviewing your situation before making a decision.

It is financing that you can use to purchase a property and repay over an agreed period of time. The property serves as collateral for the loan until it has been fully repaid.

The amount depends on your individual profile. Financial institutions consider factors such as your income, credit history, current financial commitments, and ability to make payments when determining how much they can offer you.

In addition to buying a house or apartment, some mortgage products can be used for other purposes, such as purchasing land, building, remodeling, replacing an existing mortgage, or obtaining liquidity. Available options will depend on each institution and product.

CAT, or Total Annual Cost, is a reference used in Mexico to help compare the overall cost of different loans. It takes into account not only the interest rate, but also other costs associated with the financing, making it a useful tool for comparing options more completely.

Many mortgage loans allow you to make early payments to reduce the outstanding balance, shorten the term, or even lower the monthly payment. Conditions vary by institution and product, so it is important to review how early payments are applied and whether any fees apply.

No. Our advisory services are free of charge to you. We guide you throughout the process to understand your needs, compare options, and find the mortgage solution that best fits your profile.

It depends on the state where the property is located and the details of the transaction. For example, places such as Mexico City may have programs that help reduce certain costs, so these expenses should be calculated specifically for each purchase.

The first step is understanding your profile and what you want to achieve. With basic information about your income, financial commitments, and the property you are looking for, we can begin identifying the financing options that may suit you best.

We guide you through understanding your profile, comparing alternatives, and moving forward through the different stages of the mortgage process. Our goal is to give you clear information so you can make informed decisions and know what comes next at each step.

There is no single timeline, since it depends on the institution, the documentation, the appraisal, the property review, and the notary process. Having complete documentation from the beginning can help the process move more efficiently.

An appraisal is a professional valuation of the property that helps determine its value and forms part of the review required for a mortgage loan. It is normally one of the expenses that should be considered during the process.

Payment is coordinated between the financial institution, the notary, and the parties involved in the purchase. It is generally tied to the signing of the deed, although the exact procedure may vary depending on the transaction and the bank.

Once the loan has been fully repaid, the mortgage lien must be formally cancelled so the property is released from the financing-related encumbrance. This process is normally completed with the participation of the financial institution and a notary.

Yes. You will need to provide proof of your income to the financial institution. The way you do this may vary depending on how you receive your income and the bank where the application is submitted.

Requirements vary by institution, but you will generally be asked for identification, proof of address and income, and documentation related to the transaction. Information about the property will also be needed later in the process.

The down payment depends on the value of the property, the amount the institution is willing to finance, and the terms of the loan. That is why it is helpful to understand your financing capacity first and calculate how much you may need to contribute from your own funds.

Yes. Some financial institutions offer mortgage loans to both salaried and self-employed applicants. What usually changes is how income must be documented and, in some cases, how long you need to have been working in your current activity.

There is no single income amount that applies to every situation. Each institution sets its own minimum requirements and also reviews your income, financial commitments, and ability to cover the monthly payment before determining what financing it can offer you.

Some financing programs allow applicants to combine income to increase their borrowing capacity. The conditions and eligible relationships vary by institution, so we can review which alternatives may be available for your situation.

Not necessarily. You can start by reviewing your profile and getting an approximate idea of the financing options available to you before choosing a property. Once you find a property, it will also need to meet the requirements of the institution providing the loan.