Mortgage calculator

See your estimated payment range in Mexico

MoXi® offers USD-denominated, fixed-rate loans up to 30 years to U.S. citizens and permanent residents buying or refinancing a home in Mexico. Enter a few details to see your estimated monthly payment range, built from today's 3-Year U.S. Treasury.

Defaults to 35%, our minimum
Up to 65% of your home value

No contact information required to see your range. This is an estimate, not a commitment to lend.

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How your MoXi rate is set and locked

Your rate is built from a published market index and a margin tied to your loan. Here is what goes into each part, and when each part gets fixed.

3-Year U.S. Treasury
Today's index
Published daily by the U.S. Treasury. Anyone can check it.
Your margin
Your profile
Set by your loan amount, credit score and loan-to-value.
Your fixed rate
Up to 30 years
Once your loan closes, it never changes.
3-Year U.S. Treasury loading
The official daily Treasury rate every quote above is built on. It updates each U.S. business day after Treasury publishes, around 4:00pm Eastern. Verify the 3-Year Treasury rate

What sets your margin

Your margin comes from three things: how much you borrow, your credit score, and your loan-to-value, which is the share of the home's value you finance. On a purchase that tops out at 65%, so a larger down payment and a stronger credit score both work in your favor.

A cash-out refinance carries a rate adjustment on top of the margin. A rate-and-term refinance is priced the same as a purchase. A small number of files carry other adjustments, for example when a loan is approved as an exception, and your advisor will tell you up front if yours does.

Why your final rate can differ from this estimate

The calculator uses the latest daily close of the 3-Year Treasury and the details you entered. When your rate is locked, MoXi uses the intraday high of the index on that day, and your margin reflects your verified credit, appraisal and final loan amount.

If the market moves or your numbers change between now and closing, your final rate moves with them. The method stays the same, which is why you can check our math against the published Treasury rate at any time.

When each part gets locked

  1. Pre-approval
    Before you choose a property

    Your file is fully underwritten and reviewed by our decision team. Your margin stays open because there is no property to price yet.

  2. Property under contract
    Closing within 120 days

    Once you have a signed contract with a closing date within 120 days, MoXi sets your margin and holds it for 120 days. We recommend writing contracts with 90 to 120 days to close.

  3. Ready to close
    Typically 48 to 96 hours before closing

    When your documents and the property's documents are approved, MoXi adds your margin to that day's intraday high on the 3-Year Treasury and locks your rate. We review the final details and paperwork with you before your signing appointment.

  4. Closing
    Your rate is fixed for the term

    Your locked rate is good through 2 calendar days after your scheduled closing date. After your loan closes, the rate is fixed for the full term of the loan.

See where today's index puts your rate, then talk to an advisor about getting pre-approved.

See my payment range

Questions about MoXi rates

Is a MoXi rate really fixed for up to 30 years?

Yes. Every MoXi loan is fully amortized with a fixed rate for terms up to 30 years. There is no balloon payment, no adjustment period and no prepayment penalty. Once your loan closes, your rate and your principal and interest payment stay the same for the life of the loan.

What happens if my closing gets delayed?

Your locked rate is valid through 2 calendar days after your scheduled closing date. If the loan does not close in that window, the rate may expire and your loan documents may need to be redrawn using a refreshed index, margin or both. Your conditional approval packet spells out the details for your file.

I'm pre-approved but haven't chosen a property yet. When is my margin set?

When you send us a signed purchase contract with a closing date within 120 days. Your pre-approval stands in the meantime, and your margin is set once there is a property to price against.

I'm buying from a developer and the home won't be finished for more than 120 days. How does that work?

Your margin floats until the developer provides a completion date. Once your closing falls within 120 days, your margin is set the same way it is on any other purchase.

Does a cash-out refinance cost more than a purchase?

Yes. A cash-out refinance carries a rate adjustment, and you can borrow up to 60% of the appraised value. A rate-and-term refinance is priced the same as a purchase.

Where can I check the 3-Year Treasury rate myself?

The Federal Reserve Bank of St. Louis publishes it every U.S. business day on FRED. It is the same index shown in the calculator above.