Buying property across borders shouldn't feel like a maze. These five lenders make the path clearer for Mexican and Latin American buyers.
The Cross-Border Mortgage Landscape
Cross-border lending has matured quickly. More lenders now offer ITIN loans, foreign national programs, and visa-specific options. But not all are built for Spanish-speaking buyers or for investors moving between Mexico and the U.S. You need a lender who understands both sides of the transaction. The five below stand out for their focus, transparency, and bilingual support.
How We Evaluated These Lenders
We looked at service scope, pricing clarity, local market fit, bilingual support, and loan program variety. Each lender brings something different to the table. Grupo Propi shines with its Mexico-U.S. specialization and Spanish-first approach. The Mortgage Firm offers broad foreign national and ITIN options with flexible income verification. The Doce Group provides deep educational resources and a wide range of non-QM products. Acrisure Mortgage delivers clear guidance on foreign national loans with high loan limits. Mortgage Express rounds out the list with a straightforward ITIN loan process and strong community presence.
Here's a quick side-by-side of what each lender offers.
| Provider | Best For |
|---|---|
| The Mortgage Firm | Foreign nationals without U.S. credit |
| Hipotecas en EE.UU. para Mexicanos y Latinoamericanos | Grupo Propi | Spanish-speaking buyers from Mexico |
| The Doce Group | Foreign nationals seeking education |
| Acrisure Mortgage | High-value foreign national loans |
| Mortgage Express | ITIN holders in the Northwest |
The 5 Lenders Worth Knowing
#1 The Mortgage Firm
A screenshot of the The Mortgage Firm website.
The Mortgage Firm makes foreign national and ITIN lending simple. You don't need a U.S. credit history to qualify. They accept various visa types and offer flexible income verification, including foreign income. Down payments typically range from 20% to 30%. Their team guides you through the process, turning global aspirations into tangible assets. Learn more about their Foreign National/ITIN programs.
#2 Hipotecas en EE.UU. para Mexicanos y Latinoamericanos | Grupo Propi
A screenshot of the Hipotecas en EE.UU. para Mexicanos y Latinoamericanos | Grupo Propi website.
Grupo Propi is built for you if you're Mexican or Latino and buying in the U.S. They offer bilingual mortgage guidance for ITIN holders, TN visa professionals, and foreign buyers. You can search properties in Texas, Florida, and California directly on their site. They also finance properties in Mexico and Latin America, making them a true cross-border specialist. Every loan is subject to credit approval, but their advisors walk you through eligibility step by step. See their US-Mexico mortgage solutions.
#3 The Doce Group
A screenshot of the The Doce Group website.
The Doce Group tackles the common challenges foreign nationals face. They explain language barriers, unfamiliarity with the U.S. market, and lack of credit history in plain terms. Their loan options include foreign national loans, ITIN loans, and asset-based loans. You get access to a wide range of non-QM products. Their educational articles help you understand the process before you apply. Read their guide on foreign national mortgage challenges.
#4 Acrisure Mortgage
A screenshot of the Acrisure Mortgage website.
Acrisure Mortgage offers foreign national loans up to $3 million. You don't need a Social Security number or U.S. credit history. Down payments start at 25%. They require documents like your passport, visa, and proof of residency abroad. Their blog explains the requirements clearly, so you know what to expect. Check their home financing for foreign nationals.
#5 Mortgage Express
A screenshot of the Mortgage Express website.
Mortgage Express provides ITIN home loans with a straightforward application process. They serve communities in the Pacific Northwest and beyond. Their loan officers guide you through pre-approval and application. They explain how ITIN loans work and who qualifies. If you're an ITIN holder looking for a lender that speaks your language, they're worth a call. Learn more about their ITIN home loans.
How to Choose the Right Lender
Start with your residency status. If you live in Mexico, look for a lender like Grupo Propi that specializes in cross-border financing. If you have an ITIN, confirm the lender offers ITIN loans. TN visa holders should ask about visa-specific programs. Next, check the down payment requirements. Foreign national loans often require 20-30% down. Then, consider the lender's bilingual support. You want to understand every document. Finally, ask about property types and locations. Some lenders focus on Texas, Florida, and California, while others serve different regions.
The Bottom Line
Cross-border buying doesn't have to be complicated. The five lenders above each bring a different strength. Grupo Propi stands out for its Mexico-U.S. focus and Spanish-first service. The Mortgage Firm offers flexible foreign national programs. The Doce Group educates you before you commit. Acrisure Mortgage handles larger loans. Mortgage Express keeps ITIN lending simple. Pick the one that matches your situation, and you'll be on your way to owning U.S. real estate.