Thinking of owning a home in Rosarito, Baja California? You’re not alone. With its beautiful coastline, laid-back lifestyle, and just a short drive from the U.S., Rosarito has become a magnet for retirees, remote workers, and investors looking for affordability without sacrificing quality of life.
But if you’re considering financing your home instead of buying in cash, there’s one question that always comes up:
Can foreigners get a mortgage in Mexico—and how does it work in Rosarito?
Let’s break it down.
🏡 Why Rosarito Is a Smart Place to Invest
Just south of the California border, Rosarito offers:
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Affordable beachfront properties
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Fast-growing expat communities
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Proximity to the U.S. for easy travel
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Strong rental income potential (Airbnb & vacation rentals)
Whether you’re looking for a second home, retirement oasis, or income-generating asset, getting a mortgage can help you get in the game without tying up all your cash.
💳 Can Foreigners Get a Mortgage in Rosarito? Yes—Here’s How
Mexico does allow foreigners to finance properties in places like Rosarito, but there are a few important differences compared to the U.S. mortgage process:
✅ Step 1: Choose the Right Lender
Work with banks or private lenders that specialize in loans for U.S. or Canadian citizens. They understand the unique needs of expat buyers and offer tailored solutions.
✅ Step 2: Understand the Requirements
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A larger down payment (often 30–50%)
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Proof of income or assets
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Good credit history
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Bank trust (fideicomiso) for coastal properties
✅ Step 3: Hire the Right Team
You’ll need a bilingual real estate agent, an attorney, and possibly a mortgage broker familiar with cross-border transactions. At Del Mar Rosarito Real Estate, we provide support through every step—in English, with no surprises.
⚖️ What About Legal Ownership as a Foreigner?
Foreigners can legally own property in Rosarito through a fideicomiso (bank trust), which is:
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Government-approved
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100% safe
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Renewable and inheritable
This allows full ownership rights while complying with Mexico’s coastal regulations.
🌎 Who Is This Ideal For?
✔️ Americans and Canadians looking to retire abroad
✔️ Digital nomads and remote workers
✔️ First-time foreign investors
✔️ Families wanting a vacation or rental property
✅ Why Work With Us?
At Del Mar Rosarito Real Estate, we specialize in helping foreigners buy, finance, and enjoy property in Rosarito with peace of mind. From trusted lenders to legal partners—we’ve built the network so you don’t have to.
📲 Take the First Step Toward Your Dream Home in Mexico
Ready to explore your mortgage options in Rosarito?
📞 Call me:
+1-619-314-1798
📩 Email:
[email protected]
We’ll walk you through the entire process—step by step—so you can own your slice of paradise with total confidence.
👉 Let’s talk about your future home in Rosarito today.