Crédito Hipotecario en México desde EE.UU. (Requisitos Actualizados)

Are you a Mexican living in the United States and want to buy property in Mexico? Although mortgage market rules and rates have changed, it IS possible to obtain a loan from abroad safely. In this video, we explain the basics of how the process works, what documents you need, and how to prove your income (taxes, debts, credit history in the U.S.). ⚠️ ATTENTION! Bank policies are constantly being updated. If you want to know the exact market conditions TODAY to secure your assets in Mexico, schedule an analysis session with us. 👇 DIRECT MORTGAGE ADVICE 👇 🌐 Schedule your free personalized consultation here: https://wa.me/message/6GTBSGSQL6T3B1 ⏱️ CHAPTERS 👇 🚀 DETAILED NAVIGATION / TIMESTAMPS • 00:00:00 - Episode Introduction and Highlights. • 00:03:00 - Welcome to Real Estate Awareness with Sebastián Fierro. • 00:03:35 - Is it possible to get a mortgage from abroad? • 00:04:21 - Valid IDs: What if I don't have a INE (Mexican voter ID) or it's expired? • 00:05:20 - The RFC (Mexican Taxpayer ID) requirement and notarized tax documents. • 00:06:04 - Proof of address and how to demonstrate ties to Mexico. • 00:06:54 - The 3 financial pillars the bank requires (Income Tax, Credit Bureau, and Payroll). • 00:08:05 - How self-employed workers and business owners prove their income. • 00:10:04 - The role of the mortgage advisor as the "front" and advocate with the bank. • 00:12:15 - Risk analysis: Avoiding overwhelming the client with monthly payments. • 00:14:52 - Financial snapshot: Identifying real expenses and bank statements. • 00:16:26 - 3 essential tips you must answer to get your loan approved. • 00:17:32 - The impact of small, recurring expenses on your borrowing capacity. • • 00:18:20 - What is Non-Performing Loans? The bank's fear and the difference with the U.S. in 2008. • 00:19:59 - Loan conditions: Rates, guarantees, and options for non-Mexican foreigners. • 00:21:14 - The Trust: A mandatory requirement for investing in the Riviera Maya. • 00:21:42 - Real estate myths debunked (Interest rates and used homes). • 00:23:01 - Advantages of fixed rates and the absence of prepayment penalties. • 00:24:26 - Financial Strategy: Is it better to reduce the loan term or reduce the monthly payment? • 00:25:45 - Chapter conclusions and episode closing. #MexicansInUSA #MortgageLoan #BuyAHomeInMexico #InvestmentMexico #CountryClub #MexicanRealEstate Julio Castro: +52 998 420 6499 Personalized Consulting: Sebastian Fierro Reyes [email protected] www.surselecto.com WhatsApp: +52 984 203 12 15 Follow me on all my social media: 📷 Instagram: @sebafierro.r / sebafierro.r 💬 Facebook: sebastianalonzorealtor / sebastianalonzorealtor 📱 TikTok: @sebafierro.r