Buying a home in Los Cabos shares many similarities to buying in the United States. All money is protected in escrow, real estate attorneys are involved to protect your interests, and transactions follow a similar process. But one major difference is that foreign buyers don’t have as many property financing options in Mexico. The two most common ways to get real estate financing in Cabo is to buy through a developer or seller that offers financing. Here, real estate agent Jeff Schmidt lists the homes and condos for sale with financing in Cabo San Lucas, San José Del Cabo, East Cape, and along the Pacific. Jeff can provide more information or take you on a tour of some of these properties.
[one_half]
Cabo San Lucas
MLS IDX Listing Disclosure © 2025
All information is deemed reliable but not guaranteed. The listings on this site are displayed courtesy of the IDX program of MLS BCS and may not be the listings of the site owner.
Cabo San Lucas and the Cabo Corridor have hundreds of homes and condos for sale with financing. Many of these properties are new construction, so it’s important to choose a development that will be a success.
[/one_half]
[one_half]
San José Del Cabo
MLS IDX Listing Disclosure © 2025
All information is deemed reliable but not guaranteed. The listings on this site are displayed courtesy of the IDX program of MLS BCS and may not be the listings of the site owner.
San José Del Cabo and the San José Del Cabo corridor offer a more quiet, traditional Mexican vibe. There are many homes and condos for sale with financing in the communities along this Sea of Cortez.
[/one_half]
[su_divider top=”no” divider_color=”#6297C5″ link_color=”#6297C5″ size=”1″ margin=”50″]
[one_half]
The Pacific
MLS IDX Listing Disclosure © 2025
All information is deemed reliable but not guaranteed. The listings on this site are displayed courtesy of the IDX program of MLS BCS and may not be the listings of the site owner.
The Pacific is known for it’s cooler weather and expansive golf communities. Los Cabos is expanding to this area, and there are a number of high-end communities that offer financing for homes and condos.
[/one_half]
[one_half]
Cerritos/Pescadero/Todos
MLS IDX Listing Disclosure © 2025
All information is deemed reliable but not guaranteed. The listings on this site are displayed courtesy of the IDX program of MLS BCS and may not be the listings of the site owner.
Cerritos Beach, Pescadero Beach, and Todos Santos run up the Pacific and these communities are a haven for surfers and those that want to live further away from the vibrant city life in Cabo San Lucas.
[/one_half]
[su_divider top=”no” divider_color=”#6297C5″ link_color=”#6297C5″ size=”1″ margin=”50″]
[one_half]
East Cape
MLS IDX Listing Disclosure © 2025
All information is deemed reliable but not guaranteed. The listings on this site are displayed courtesy of the IDX program of MLS BCS and may not be the listings of the site owner.
East Cape remains a more peaceful, off the beaten path area of Los Cabos. While there aren’t as many big developments in East Cape, there are some homes and condos for sale with financing, typically owner financing.
[/one_half]
[one_half]
La Paz
MLS IDX Listing Disclosure © 2025
All information is deemed reliable but not guaranteed. The listings on this site are displayed courtesy of the IDX program of MLS BCS and may not be the listings of the site owner.
La Paz is a two-hour drive from Cabo, but this up and coming area offers beautiful beaches and a bustling city life. The Malecón is a great place to ride bikes, walk, or spend time eating or drinking at the cafes.
[/one_half]
[su_divider top=”no” divider_color=”#6297C5″ link_color=”#6297C5″ size=”1″ margin=”50″]
Important Facts to Know About Real Estate Financing in Cabo
- U.S. banks no longer offer financing to buyers that wish to buy a home in Mexico.
- Developer and seller financing are the most common options for foreign buyers.
- Negotiating the price down is less likely when financing is involved.
- Most financing is short term, running anywhere from one to five years.
- Many developers or sellers want 50% down, but there are cases in which the initial deposit it lower.
- Interest rates may be higher than in the United States.
- Ballon payments are common at certain timeframes, particularly at the end of the financing term.
- If you are unable to make your payments, the lender retains the property and all buyer funds are lost.
- There is private lender financing available; typically it requires 35% down and interest rates are typically in the double digits.
Contact Jeff Schmidt to Request a Showing
Jeff can set up your virtual or in-person showing at your convenience. He is also always available to answer real estate financing questions via email, a phone call, or text. When you work with Jeff, you benefit from an agent that has:
- More than a decade of real estate experience
- Assisted buyers in purchasing property involving developer, seller, and private lender financing
- Personally bought, sold, and built homes in Cabo
- Lived in Cabo for several years
- Been featured on several episodes of House Hunters International and Mexico Life on HGTV
[su_divider top=”no” divider_color=”#6297C5″ link_color=”#6297C5″ size=”1″ margin=”10″]
Contact Jeff
(408) 607-8349 (U.S.)
(624) 165-9553 (Mex)
jeff@cabobeachrealty.com
[su_divider top=”no” divider_color=”#6297C5″ link_color=”#6297C5″ size=”1″ margin=”10″]
