Name

HIR Casa

Legal name

Bienes Programados, S.A. de C.V.

Website

https://hircasa.com

Company type

Public

Founded year

1995

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Real Estate Financing

NAICS

Funds, Trusts, and Other Financial Vehicles (525)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)

akta.pro secondary industries

Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL), Renovation/Remodel-to-Perm Financing (Owner-Occupied) (FSALAHAF)

Keywords

• Real estate financing
• Home mortgage lending
• Property autofinancing
• Real estate credit services
• Mortgage advisory

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Autofinanciamiento Immobiliario (Real Estate Self-Financing): HIR Casa operates a self-financing system where customers make periodic contributions (aportaciones periódicas) over a period of up to 60 months to save their down payment (33% of property value). Upon completion, HIR Casa provides the remaining financing for property acquisition. Revenue is generated through the spread between customer contributions and final financing amount, plus associated fees for adjudication, escrituración, and insurance products.
2. Escrow Services for Foreign Buyers: HIR Casa acts as a neutral third-party escrow agent (escrow) holding funds in real estate transactions for foreign buyers, ensuring secure and smooth transactions. Revenue is generated through service fees for legal review, fund holding, and transaction verification services.
3. Insurance Products: Bundled insurance products including life insurance, disability insurance, unemployment insurance, and property damage insurance included with financing packages. In Mexico, the mortgage is paid off in full upon the borrower's death.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

HIR Casa provides real estate autofinancing that allows individuals to acquire, build, or remodel residential and commercial property through a structured contribution model. Customers make periodic aportaciones over up to 60 months to accumulate roughly 33% of the property value, after which HIR Casa provides the remaining financing along with bundled life, disability, unemployment, and property damage insurance. Financing ranges from MX$300,000 to MX$15,000,000, with branch-based advisory supported by an online calculator and customer portal.

Product overview

HIR Casa is a Mexican real estate autofinancing company offering a unified platform of financing products for purchasing, constructing, or remodeling homes and commercial properties. The core offering consists of five main financing products: Financiamiento para Casa o Departamento, Financiamiento Local Comercial, Financiamiento para Comprar Terreno, Financiamiento para Adquirir en Preventa, and Financiamiento para Construir o Remodelar. These products are supported by digital tools including an online calculator, a customer portal, and a dedicated English-language service (MustMortgage) for foreign buyers. The company operates a 29-branch network across Mexico and has financed over MX$45,000 million pesos, serving customers who may not qualify for traditional bank mortgages.

Differentiator

Problem solved

Functional benefit

Products and services

• House or Apartment Financing (Financiamiento para Casa o Departamento) Autofinancing product enabling customers to purchase houses or apartments through periodic contributions over up to 60 months, with HIR Casa financing the remainder and bundling life, unemployment, total disability, and property damage insurance. For Mexican and foreign individual homebuyers and investors.
• Commercial Premises Financing (Financiamiento Local Comercial) Financing for acquiring commercial premises, offices, warehouses, industrial buildings, or medical offices for business operations, with up to 60 months to save the initial contribution. For entrepreneurs, SMEs, and investors acquiring productive commercial real estate.
• Land Financing (Financiamiento para Comprar Terreno) Financing for purchasing urban, residential, or commercial land to build homes, businesses, or for investment purposes, with flexible installment plans and up to 60-month contribution periods. For individuals and investors planning future construction or land appreciation plays.
• Pre-Sale Property Financing (Financiamiento para Adquirir en Preventa) Financing for acquiring houses, apartments, offices, or land during pre-construction or early development stages at better prices with potential appreciation upside, including deferred down payment options paid directly to developer. For buyers planning ahead in upcoming developments.
• Construction and Remodeling Financing (Financiamiento para Construir o Remodelar) Financing for expanding, building, or improving homes, apartments, or commercial spaces, with funding released in phases as construction progresses. For property owners undertaking improvements or new builds.
• MustMortgage Foreign Buyer Service Dedicated financing service for non-Mexican nationals purchasing property in Mexico, providing English-language advisory, escrow fund holding as a neutral third party, legal review, and cross-border transaction support. Minimum monthly income around USD $1,500 and property value minimum of USD $100,000 apply. For foreign individuals and investors acquiring Mexican real estate.

Quantifiable outcome

• More than 37,000 families achieved homeownership
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators8 records

Recent moves9 records

Expansion highlights5 records

Broad incumbents

• HSBC México: One of Mexico's largest banks with mortgage products including programs tailored for foreign nationals and high-net-worth property buyers. Comparable to HIR Casa in cross-border real estate finance and in serving expatriates purchasing property in Mexico.
• Scotiabank México: Major Mexican bank offering residential mortgages, home equity credit, and commercial property financing. Competes with HIR Casa across the standard mortgage segment as part of its diversified retail and commercial banking portfolio.
• BBVA México: Mexico's largest bank offering an extensive mortgage product suite (Hipoteca Fija, Creciente, Cociente) for individuals and property investors. Competes with HIR Casa across most customer segments and geographies in Mexico, but as part of a much broader retail and corporate banking franchise.
• Fovissste: Mexico's government-backed housing fund for public-sector workers. Provides mortgage financing to government employees under defined terms, intersecting with HIR Casa's addressable market of Mexican salaried homebuyers seeking property financing.
• Infonavit: Mexico's government-backed housing fund for private-sector workers and the country's dominant mortgage provider by volume. Issues subsidized loans through payroll deduction, competing directly with HIR Casa for formal-sector homebuyers but operating as a government policy entity rather than a market-priced lender.
• Banorte: One of Mexico's largest banks with a meaningful mortgage origination business serving both individuals and SMEs. Offers traditional mortgage products alongside a wide deposit and corporate banking portfolio, overlapping with HIR Casa in residential and commercial property financing.
• Santander México: Major Mexican commercial bank offering residential and commercial mortgages as part of its universal banking franchise. Competes with HIR Casa for individual homebuyers and investors, particularly in the mid-to-high ticket segments and through cross-border programs for foreign buyers.

Emerging players

• Klar: Mexican digital consumer credit and savings fintech serving salaried and underbanked customers. Shares HIR Casa's interest in serving borrowers outside the traditional bank credit box and represents the type of digital-first competitor that could enter the mortgage category over time.
• Nu México: Mexican digital bank and fintech that has rapidly expanded its consumer credit product suite beyond credit cards. Targets similar underbanked and digitally-native Mexican consumers as HIR Casa and is increasingly credible as a future mortgage product entrant.

Direct peers

• Consubanco: Mexican non-bank financial institution (SOFOM) that provides consumer loans, payroll loans, and mortgage products to underserved Mexican borrowers. Most directly comparable to HIR Casa in being a non-bank lender operating outside the traditional commercial banking channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/HIRCASAMEXICO
• YouTubeyoutube.com/HIRCASAMEXICO
• Facebookfacebook.com/HIRCasaMexico
• LinkedInlinkedin.com/company/3745335
• Instagraminstagram.com/hircasa

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HIR Casa