Buying Property in Mexico International Real Estate Advisor July 18, 2026
How to Finance a Home in Mexico With U.S. Income
Thinking About Buying Property in Mexico?
For many Mexican nationals and dual U.S.–Mexican citizens living in the United States, owning a home in Mexico represents much more than a real estate purchase.
For some, it’s returning home.
For others, it’s purchasing a vacation property near family, preparing for retirement, creating a second home, or building long-term wealth through real estate investing.
One of the biggest questions I receive from buyers is:
Can I finance a home in Mexico if all of my income comes from the United States?
The answer is:
Possibly—yes.
One financing option available to qualifying buyers is the BBVA TOM Loan, a mortgage program designed specifically for eligible Mexican nationals and dual citizens who earn income in the United States.
Because this program is unique, many buyers have questions about how it works, who qualifies, what documents are required, how U.S. credit is evaluated, and what to expect throughout the approval process.
To provide the most accurate information possible, I sat down with Emmanuel Altamirano, Mortgage Loan Officer with BBVA Mexico, for an in-depth interview discussing the TOM Loan program.
This guide summarizes the key information shared during our conversation and serves as a comprehensive educational resource for buyers considering financing property in Mexico.
Whether you’re purchasing your first home, a retirement property, or an investment property, understanding your financing options before beginning your search can help make the entire buying process smoother and more strategic.
BBVA TOM Loan at a Glance
If you’re a qualifying Mexican national or dual U.S.–Mexican citizen earning income in the United States, the BBVA TOM Loan may allow you to finance eligible residential property in Mexico without requiring Mexican-earned income.
Program Highlights
✔ Designed for qualifying Mexican nationals and dual citizens
✔ Uses qualifying U.S. income
✔ Mexican credit history is not necessarily required
✔ Residential properties only
✔ Primary residences
✔ Vacation homes
✔ Investment properties
✔ Loan terms up to 20 years
✔ Early principal payments permitted (subject to loan terms)
✔ Approximate minimum down payment discussed during the interview: 10%
✔ Approval validity discussed: approximately 120 calendar days
Table of Contents
What Is the BBVA TOM Loan?
The BBVA TOM Loan (Tu Opción México) is a mortgage program designed for qualifying Mexican nationals and dual U.S.–Mexican citizens who earn income in the United States and wish to purchase residential property in Mexico.
Unlike many traditional mortgage programs in Mexico, the TOM Loan was created specifically for buyers whose financial lives are primarily based in the United States.
That means eligible borrowers may qualify using documented U.S. income without first establishing years of employment or income history in Mexico.
According to Emmanuel Altamirano, the program allows BBVA to evaluate qualifying U.S. financial information while financing eligible residential property located in Mexico.
This creates an opportunity for many buyers who previously assumed financing in Mexico wasn’t possible simply because they worked and earned income in the United States.
Who Is the BBVA TOM Loan Designed For?
The TOM Loan is specifically intended for qualifying applicants who meet the program’s citizenship requirements.
Generally speaking, the program is designed for:
One of the biggest misconceptions is that applicants must already live in Mexico or have established Mexican income before applying.
According to BBVA, that is not necessarily the case.
Instead, the program focuses on qualifying applicants whose documented income originates in the United States while meeting the citizenship requirements established by BBVA.
Who Is Not Eligible for the TOM Loan?
Understanding who the program is not designed for is just as important.
Based on the information shared during the interview, a person who is solely a U.S. citizen and does not hold Mexican citizenship would not qualify for the BBVA TOM Loan based only on U.S. income.
However, that does not necessarily mean financing in Mexico is impossible.
BBVA also offers traditional mortgage products that may be available to qualifying foreign nationals who:
Because these are entirely different loan products, it’s important not to confuse them with the TOM Loan.
TOM Loan vs. Traditional Mexican Mortgage
BBVA TOM Loan | Traditional Mexican Mortgage |
Mexican nationals & dual citizens | Foreign nationals living in Mexico |
Uses qualifying U.S. income | Uses qualifying Mexican income |
Designed for buyers living in the U.S. | Designed for borrowers established in Mexico |
Requires Mexican citizenship eligibility | Requires residency and separate lending qualifications |
Understanding this distinction early can save buyers significant time and help determine which financing path is the best fit for their situation.
What Types of Properties Can Be Financed?
According to Emmanuel Altamirano, the BBVA TOM Loan is intended for the acquisition of eligible residential properties in Mexico.
Examples include:
Eligible buyers may use the property as:
During the interview, Emmanuel also explained that eligible properties generally require a minimum construction size of approximately 28 square meters.
As with any mortgage, both the borrower and the property must satisfy BBVA’s lending requirements before financing can be approved.
Understanding Credit, Income & Documentation
One of the biggest concerns buyers have when considering financing in Mexico is whether their financial history in the United States will qualify.
Many assume they must establish years of employment, income, or credit history in Mexico before applying for a mortgage.
According to Emmanuel Altamirano, that is one of the biggest misconceptions surrounding the BBVA TOM Loan.
Because this program was designed specifically for qualifying Mexican nationals and dual citizens earning income in the United States, BBVA evaluates a borrower’s complete financial profile—not simply whether they have an extensive financial history in Mexico.
However, understanding how that evaluation works is essential before beginning the application process.
What Credit Score Is Needed?
One of the most common questions buyers ask is:
What credit score do I need?
During our interview, Emmanuel explained that BBVA generally looks at the applicant’s complete financial profile—not just a single credit score.
As discussed, the following ranges were mentioned:
Preferred Credit Score
Approximately 740 or higher
Minimum Score Potentially Considered
Approximately 681
However, it’s important to understand what this does—and does not—mean.
A 740 credit score does not automatically guarantee loan approval.
Likewise, a 681 credit score does not automatically mean your application will be denied.
Instead, BBVA reviews your entire financial profile before making a lending decision.
BBVA Looks Beyond Your Credit Score
Your credit score is only one piece of the overall picture.
According to Emmanuel, BBVA may also evaluate factors such as:
For applicants whose score falls near the lower end of the acceptable range, maintaining a strong payment history becomes even more important.
What If My Credit Score Is Around 681?
This question comes up frequently.
Emmanuel explained that borrowers with scores around 681 may still be considered if the remainder of their financial profile is strong.
For example, a buyer who has:
✔ No late mortgage payments
✔ Stable employment
✔ Consistent income
✔ Low debt
✔ Responsible credit card usage
may present a stronger application than someone with a higher score but a history of missed payments or excessive debt.
Every application is reviewed individually.
Does BBVA Use Credit Karma?
Short answer:
No.
One of the most valuable insights Emmanuel shared during our interview involved the difference between consumer credit apps and the credit information used during mortgage underwriting.
Many buyers check Credit Karma and assume that score is the one lenders use.
However, Credit Karma provides educational scores that may differ significantly from the score used during a mortgage review.
Which Credit Score Should Buyers Check?
According to Emmanuel, buyers who want to prepare before applying should focus on their:
TransUnion FICO® Score 8
This score more closely reflects the information BBVA may review during the lending process.
Checking your TransUnion FICO 8 ahead of time can help you:
Although the score you see personally may not be identical to the lender’s version, it can provide a useful benchmark before beginning the application.
Does BBVA Obtain the Credit Report?
Yes.
Unlike some lenders that require applicants to purchase and submit their own credit reports, Emmanuel explained that BBVA requests the required U.S. credit information directly during the application process.
This eliminates much of the guesswork for buyers.
Instead of wondering which report to download, applicants authorize BBVA to obtain the information needed for underwriting.
Does BBVA Review Credit in Both Countries?
Yes.
This is an important point many buyers overlook.
If an applicant has financial obligations in both the United States and Mexico, BBVA may review both credit profiles.
That means the bank may evaluate:
BBVA may combine monthly debt obligations from both countries when calculating payment capacity.
For this reason, transparency is extremely important.
Even if you believe your Mexican credit history is inactive, BBVA may still verify whether debts or obligations exist.
Is Mexican Credit History Required?
One of the most encouraging aspects of the TOM Loan is that an established Mexican credit history is not necessarily required.
Because the program was specifically designed for qualifying buyers earning income in the United States, BBVA may rely on qualifying U.S. financial information during its review.
That said, every application remains subject to underwriting guidelines and supporting documentation.
Should You Build Credit in Mexico?
Although Mexican credit history may not be required for the TOM Loan, many buyers ask whether they should begin establishing credit in Mexico.
According to Emmanuel, responsible use of Mexican financial products may help build a stronger financial profile over time.
His recommendations included:
The goal is not to accumulate multiple credit cards.
Instead, it’s to demonstrate responsible financial management through consistent, on-time payments and reasonable credit utilization.
America’s Perspective
One thing I consistently encourage my buyers to do is begin preparing before they start touring homes. If financing will be part of your purchase, reviewing your credit, organizing your documents, and speaking with a mortgage professional early can help identify potential issues before they delay your transaction.
Preparation gives you more confidence, a clearer budget, and a smoother buying experience once you find the right property.
Self-Employed Buyers, LLC Income & Required Documentation
No two buyers have the same financial profile.
Some applicants are traditional W-2 employees, while others are self-employed, own businesses, work as independent contractors, or receive income through an LLC.
One of the questions I receive most often is:
Can I still qualify if I’m self-employed?
According to Emmanuel Altamirano, yes—potentially.
However, self-employed borrowers should expect a more detailed review of their income documentation.
Can Self-Employed Buyers Qualify?
Yes.
BBVA may consider self-employed applicants, provided they can properly document their income and satisfy the bank’s underwriting requirements.
Unlike W-2 employees whose income is generally verified through payroll documentation, self-employed borrowers must demonstrate the stability and consistency of their business income.
Every business is different, so the documentation requested may vary depending on the applicant’s profession, company structure, and source of income.
Can BBVA Consider Income From an LLC?
Yes—potentially.
One of the biggest misconceptions is that the property must be purchased through an LLC.
According to Emmanuel, the TOM Loan is generally made to the qualifying individual borrower, not directly to the LLC.
However, income generated through an LLC may be considered when evaluating the applicant’s financial profile.
For many business owners, this is an important distinction.
The LLC may support the borrower’s income, but the mortgage itself is generally issued in the qualifying individual’s name.
How Does BBVA Verify LLC Income?
During our interview, Emmanuel explained that BBVA may request documentation that demonstrates both business ownership and income.
Depending on the applicant’s situation, documentation may include:
Business Documents
Financial Documents
Ownership Verification
BBVA may also request documentation showing that the applicant is the legal owner or member of the business generating the income.
Because every business operates differently, additional documentation may be requested during underwriting.
W-2 Employees vs. Self-Employed Borrowers
Although both may qualify for the TOM Loan, the documentation process is slightly different.
W-2 Employees
Generally may be asked to provide:
Self-Employed Borrowers
Documentation may include:
Because self-employed income often varies from year to year, providing complete and organized documentation from the beginning can help the review process move more efficiently.
Why Complete Tax Returns Matter
One point Emmanuel emphasized during our interview was the importance of providing complete tax returns, not just the summary pages.
Many buyers mistakenly believe submitting only the first few pages of their tax return is sufficient.
However, BBVA may require the entire return, including all schedules and supporting documentation.
For business owners, schedules such as Schedule C can provide important information regarding business income and expenses.
Providing incomplete documentation may delay the underwriting process.
Co-Borrowers & Spouses
Another question I receive frequently is:
Can my spouse help me qualify?
The answer depends on the citizenship status of both borrowers.
According to Emmanuel, qualifying co-borrowers generally must also meet the citizenship requirements established for the TOM Loan.
For example:
✔ Two qualifying Mexican nationals may apply together.
✔ Two qualifying dual U.S.–Mexican citizens may potentially combine qualifying income.
However:
A spouse who is solely a U.S. citizen and does not hold Mexican citizenship would not qualify as a TOM co-borrower based solely on U.S. income.
That does not necessarily mean financing is impossible.
Depending on the individual’s residency, income, and financial profile, other mortgage products may be available through BBVA or another lender.
Because every family situation is unique, buyers should discuss co-borrower eligibility with the mortgage officer before signing a purchase agreement.
Identification Documents
Because the TOM Loan is designed specifically for qualifying Mexican nationals and dual citizens, BBVA requires documentation demonstrating the applicant’s connection to both Mexico and the United States.
According to the interview, buyers should expect to provide identification from both countries.
Mexican Documentation
Applicants may be asked to provide:
or
Additional Mexican documentation may include:
The specific documents requested may vary depending on the applicant’s profile.
United States Identification
Depending on the applicant’s circumstances, BBVA may request one or more of the following:
The purpose is to document the applicant’s identity and their connection to both countries as part of the loan review process.
Document Checklist
To help you prepare, here’s a simplified checklist of documents commonly discussed during our interview.
Personal Documents
☐ INE or Mexican Passport
☐ Mexican Birth Certificate
☐ CURP
☐ RFC
☐ Proof of Address
☐ U.S. Identification
Employment Documents
W-2 Employees
☐ Six Months of Bank Statements
☐ Six Months of Pay Stubs
☐ W-2
☐ Complete Tax Returns (if requested)
Self-Employed
☐ Complete Form 1040
☐ Business Bank Statements
☐ LLC Documentation
☐ Contracts
☐ Invoices
☐ Business Licenses
☐ Proof of Ownership
America’s Perspective
One of the best pieces of advice I can give buyers is to start organizing your documents early.
Having your paperwork organized before beginning the financing process can make your application smoother, reduce unnecessary delays, and help you move more confidently once you’ve found the right property
Understanding Loan Approval, Down Payments & Closing Costs
One of the biggest misconceptions about getting a mortgage in Mexico is that approval is based on a single factor.
In reality, lenders evaluate your financial profile as a whole.
Your income, monthly debt obligations, credit history, property value, appraisal, down payment, loan amount, and supporting documentation all work together to determine whether a loan is approved and how much financing may be available.
Understanding these factors before beginning your home search can help you establish a realistic budget and avoid surprises later in the transaction.
How Does BBVA Determine How Much You Can Borrow?
According to Emmanuel Altamirano, BBVA evaluates a buyer’s overall financial profile—not just annual income.
Some of the factors that may be considered include:
Every mortgage application is reviewed individually.
Because each buyer’s financial situation is different, there is no single formula that guarantees approval or determines a specific loan amount.
How Does BBVA Calculate Payment Capacity?
During our interview, Emmanuel walked through a simplified example to help buyers understand how payment capacity may be estimated.
Example
Monthly Income
$2,000 USD
Existing Monthly Debt
$350 USD
Remaining Income
$2,000 − $350 = $1,650 USD
Using an illustrative affordability percentage of approximately 40%:
$1,650 × 40% = $660 USD
This example produces an estimated monthly mortgage payment capacity of approximately $660 USD before conversion into Mexican pesos.
Emmanuel emphasized that this example is intended for educational purposes only.
Actual underwriting calculations may vary depending on the applicant’s complete financial profile and BBVA’s lending guidelines.
Factors That May Affect Your Approval Amount
Although monthly income plays a significant role, it is only one piece of the equation.
BBVA may also evaluate:
Each of these factors may influence both your approval and your maximum loan amount.
How Much Income Should Buyers Have?
Emmanuel shared a helpful planning guideline during the interview.
As a general rule, buyers may want income equal to approximately three times their projected monthly mortgage payment, after accounting for existing monthly debt obligations.
He also noted that, for planning purposes only, monthly payments often fall somewhere in the range of:
Approximately MXN $11,000–$13,000 per month for every MXN $1 million financed.
This is not a payment quote.
Actual monthly payments depend on:
Before purchasing a property, buyers should always request an official amortization schedule from BBVA.
What Is an Amortization Schedule?
An amortization schedule is one of the most valuable tools a buyer can request before purchasing a home.
It provides a detailed estimate of:
Reviewing this information before making an offer allows buyers to understand their long-term financial commitment rather than focusing only on the purchase price.
What Is the Minimum Down Payment?
During our interview, Emmanuel explained that the minimum down payment discussed for qualifying borrowers was approximately 10%.
However, it is important to understand what this does—and does not—mean.
A minimum 10% down payment does not automatically mean every buyer will receive financing for the remaining 90%.
The final loan amount depends on several factors, including:
Some buyers may qualify for a higher percentage of financing, while others may be required to contribute a larger down payment.
How Much Cash Should Buyers Plan to Have?
One of the most common budgeting mistakes buyers make is focusing only on the down payment.
Purchasing property in Mexico involves additional acquisition costs that should be planned for well in advance.
During the interview, Emmanuel discussed estimating approximately:
This creates an estimated starting cash requirement of approximately:
16%–18% of the purchase price
Depending on the property and transaction, buyers should also budget for:
Planning ahead helps reduce financial stress as closing approaches.
What Do Closing Costs Include?
Closing costs vary depending on the property, location, purchase price, and transaction.
According to Emmanuel, they may include expenses such as:
Because every purchase is different, buyers should request a detailed estimate specific to their property before closing.
What Is the CLG?
One document discussed during our interview was the CLG.
According to Emmanuel, this is one of the documents requested during the closing process to help verify the legal status of the property.
Its purpose is to help confirm information such as whether the property has existing liens or financing that could affect the transaction.
Because document names and requirements may vary depending on the state and notary handling the transaction, buyers should always review the complete closing checklist with their notary and lender.
What Happens If the Appraisal Comes in Lower Than the Purchase Price?
This is one of the most important concepts every financed buyer should understand.
BBVA generally calculates financing using the lower of:
or
Example
Purchase Price:
MXN $3,000,000
Appraised Value:
MXN $2,500,000
Even though the buyer agreed to purchase the property for MXN $3 million, the bank may calculate the loan using the lower appraised value of MXN $2.5 million.
This could require the buyer to contribute significantly more cash at closing.
For this reason, understanding the appraisal process before signing a purchase agreement is extremely important.
Why the Appraisal Matters
The appraisal helps protect both the lender and the buyer by providing an independent opinion of the property’s value.
If the appraised value is lower than the contract price, buyers should understand:
Reviewing these items with your real estate advisor, lender, and notary before signing a purchase agreement can help avoid unexpected surprises later in the transaction.
America’s Perspective
One of the biggest mistakes I see buyers make is focusing only on the purchase price.
Before making an offer, I encourage my clients to understand their total investment, including the down payment, closing costs, appraisal, legal expenses, and monthly payment.
Having a complete financial picture allows you to shop with confidence, negotiate strategically, and avoid unnecessary surprises during closing.
A well-prepared buyer is almost always in a stronger position than one who begins planning after finding the perfect property.
Investing in Multiple Properties, Insurance, Approval Timeline & Preparing for Success
For many buyers, purchasing one property in Mexico is only the beginning.
Some plan to purchase a vacation home today and an investment property later. Others hope to build a portfolio of rental properties over time.
During our interview, Emmanuel Altamirano shared valuable insight into how BBVA approaches repeat borrowers, investment purchases, insurance coverage, approval timelines, and the most common mistakes buyers should avoid before applying.
Understanding these topics can help buyers create a long-term strategy rather than focusing solely on a single transaction.
Can You Finance More Than One Property?
Potentially, yes.
According to Emmanuel, qualifying borrowers may have the opportunity to finance multiple properties through BBVA over time.
However, each mortgage is treated as a completely new application.
This means every purchase requires:
Approval for a previous mortgage does not automatically guarantee approval for the next one.
Financing Multiple Properties
During the interview, Emmanuel explained that a buyer who maintains a strong payment history may potentially qualify for additional BBVA mortgages over time.
The general process discussed was:
Property #1
Purchase and successfully close using a BBVA mortgage.
↓
Maintain an excellent payment history.
↓
Wait approximately six months before applying for another BBVA mortgage.
↓
Submit updated financial documents.
↓
Complete a new underwriting review.
↓
Potentially apply for Property #2.
↓
Repeat the process before requesting financing for Property #3.
If the buyer’s first mortgage is held with another lender, BBVA may require approximately one year of payment history before reviewing a subsequent application.
Every situation is different and remains subject to BBVA’s underwriting guidelines.
Can Rental Income Help?
Possibly.
One interesting point Emmanuel shared is that documented rental income from a previously financed property may strengthen a future mortgage application.
For example, if your first property is producing consistent rental income that can be properly documented, BBVA may consider that income as part of a future financing review.
However, projected rental income or informal agreements are not the same as documented income.
The bank determines:
Loan-to-Value (LTV)
During the interview, Emmanuel discussed financing structures that may include:
These percentages were discussed as general program guidelines—not guaranteed financing levels.
Actual loan-to-value ratios depend on numerous factors, including:
Interest Rates
At the time of our interview, Emmanuel discussed two interest rates that were available through the TOM Loan program:
According to Emmanuel, the applicable interest rate may depend on factors such as:
Because mortgage programs change over time, buyers should always request current written loan terms directly from BBVA before relying on any quoted rate.
Should You Open a BBVA Bank Account?
According to Emmanuel, opening a BBVA bank account is not necessarily required to qualify for the TOM Loan.
However, he strongly recommends doing so because it may provide several practical advantages.
A BBVA account can make it easier to:
For buyers living in the United States, it is also important to compare exchange rates and transfer fees when sending money into Mexico.
What Insurance Is Included?
One topic that often surprises buyers is that certain insurance coverages are generally included as part of the monthly mortgage payment.
According to Emmanuel, these may include:
One particularly valuable feature discussed during the interview was unemployment protection.
According to Emmanuel, qualifying borrowers who lose their job may have up to six monthly mortgage payments covered under the policy, subject to the insurance terms and conditions.
Coverage details, exclusions, eligibility requirements, and claim procedures should always be confirmed directly with BBVA and the final insurance policy.
How Long Does Approval Take?
Once BBVA has received a complete application and all required documentation, Emmanuel explained that the initial review may take approximately:
Seven business days
Keep in mind that this timeline begins after the file is complete.
If additional documentation is requested, the approval process may take longer.
How Long Is the Approval Valid?
According to Emmanuel, loan approvals discussed during the interview were generally valid for approximately:
120 calendar days
However, buyers should avoid waiting until the final weeks of that approval period before selecting a property.
Time is still needed for:
For planning purposes, Emmanuel recommends treating the effective shopping period as closer to three months.
Common Reasons Buyers Are Declined
While every application is unique, Emmanuel identified several situations that may create challenges during underwriting.
These may include:
Not every issue results in an automatic denial.
In many cases, BBVA may simply request additional documentation or recommend waiting until the buyer’s financial profile improves.
America’s Perspective
One of the biggest lessons I’ve learned while helping buyers purchase property in Mexico is this:
Preparation creates opportunity.
Many buyers believe they should wait until they find the perfect home before speaking with a lender.
I recommend the opposite.
Understanding your financing options first gives you a realistic budget, strengthens your negotiating position, and allows you to move quickly when the right property becomes available.
Financing should be part of your strategy—not an afterthought.
Practical Buyer Preparation Checklist
Before applying for the BBVA TOM Loan, I recommend completing the following:
☐ Confirm that you meet the citizenship requirements.
☐ Review your U.S. credit.
☐ Review your Mexican credit, if applicable.
☐ Organize your income documentation.
☐ Gather your Mexican identification documents.
☐ Obtain complete tax returns.
☐ Organize LLC documentation, if self-employed.
☐ Estimate your down payment.
☐ Budget for closing costs.
☐ Avoid opening unnecessary new credit accounts.
☐ Continue making all payments on time.
☐ Speak with a mortgage professional before signing a purchase contract.
☐ Request a written amortization schedule.
☐ Work with experienced real estate, lending, and legal professionals throughout the process.
Frequently Asked Questions
Can a U.S. citizen qualify for the BBVA TOM Loan?
The TOM Loan discussed in this guide is designed for qualifying Mexican nationals and dual U.S.–Mexican citizens. Buyers who are solely U.S. citizens should explore other financing options available in Mexico.
Do I need income earned in Mexico?
No. The TOM Loan is specifically designed to evaluate qualifying income earned in the United States.
Is Mexican credit history required?
Not necessarily. However, BBVA may still review whether an applicant has existing debts or negative credit history in Mexico.
Can self-employed buyers qualify?
Potentially, yes. Additional documentation may be required depending on the applicant’s business structure and source of income.
Can I use my LLC income?
Potentially. According to Emmanuel, qualifying income from an LLC may be considered, although the mortgage is generally issued in the qualifying individual’s name.
Can I purchase an investment property?
Yes. Eligible residential investment properties may qualify under the program, subject to BBVA’s underwriting guidelines.
What is the minimum down payment?
The interview discussed a minimum down payment of approximately 10%, although the final amount depends on the borrower’s approved financing.
How much should I budget for closing costs?
Approximately 6%–8% of the purchase price was discussed during the interview, in addition to the required down payment.
Can I make extra principal payments?
According to Emmanuel, qualifying borrowers may make additional principal payments without a prepayment penalty, subject to the final loan documents.
Final Thoughts
Purchasing property in Mexico is an exciting milestone, but financing is only one piece of the overall process.
Understanding your financing options before beginning your property search can help you establish realistic expectations, strengthen your buying position, and reduce unnecessary stress throughout the transaction.
The BBVA TOM Loan offers a unique opportunity for qualifying Mexican nationals and dual U.S.–Mexican citizens earning income in the United States.
However, every buyer’s financial situation is different.
Every property is different.
Every mortgage application is different.
Working with knowledgeable professionals from the beginning can make the process significantly smoother and help you make informed decisions with confidence.
Ready to Buy Property in Mexico?
Whether you’re planning to purchase your first home, a vacation property, a retirement home, or an investment property in Mexico, I’d be honored to help guide you through the process.
As an International Real Estate Advisor, I work with buyers throughout every stage of their journey—from understanding financing options and selecting the right property to coordinating with trusted lenders, notaries, attorneys, inspectors, and other professionals across Mexico.
If you’re ready to begin planning your purchase, I’d love to help.
Start here:
🌐 www.americasamuels.com/start
America Samuels
International Real Estate Advisor
America Samuels International Real Estate Group
America Samuels | July 18, 2026
Everything you need to know about the BBVA Tu Opción México (TOM Loan), including eligibility, credit score requirements, documents, down payment, closing costs, and f… Read more
America Samuels | July 11, 2026
Everything U.S. citizens, Canadians, and international buyers need to know before purchasing real estate in Mexico.
America Samuels | July 4, 2026
Learn how Mexican dual citizenship may be obtained through a parent or grandparent, what documents you may need, and how citizenship can benefit property buyers.
America Samuels | June 27, 2026
Learn what documents Mexican nationals and dual citizens need to buy property in Mérida, Yucatán, including INE, CURP, RFC, passport requirements, and more.
America Samuels | November 3, 2025
Your trusted guide to buying property, relocating, and living in Mexico.
Whether it’s your first home, a vacation getaway, or an investment, America's here with care and integrity. She'd be honored to hear your story and work together. America looks forward to meeting you!
8344 SPRING CYPRESS RD SPRING, TX 77379