Texas welcomes foreign property owners. As a Mexican national you can buy residential, commercial, or investment real estate in Texas — the same ownership rights as a U.S. citizen. The challenge is rarely can you buy — it's how do you finance it.
The Basics
- No U.S. citizenship or visa required to own real estate in Texas
- A passport is enough to open a transaction file
- You will need an ITIN for U.S. tax reporting after the purchase
- Banks usually require a U.S. credit history — most Mexican buyers don't have one
Why a Private Foreign National Loan Works
Because our underwriting is property-based, not credit-based, we can finance Mexican nationals who would never qualify at a bank. The property and your down payment do the work.
- • Max LTV: Up to 70%
- • Identity: Passport accepted
- • U.S. credit: Not required
- • Loan size: Up to $1M on a case-by-case basis
- • Term: 3- or 10-year balloon, no prepayment penalty
- • Close: 10–21 days, depending on documentation from Mexico
Documents You'll Typically Need
- • Valid Mexican passport
- • Proof of income (Mexican employer letter, business documentation, or bank statements)
- • Source of down payment funds
- • Property contract
What We Don't Do
We do not fund fix-and-flip, rehab, construction, DSCR loans, or conventional/bank mortgages — even for foreign nationals. We fund stabilized residential and commercial property in Hidalgo and Cameron County.
Full program details on our Foreign National Loans in Texas page.