MoXi

What MoXi does

MoXi is a privately held cross-border mortgage lender founded in 2017 and headquartered in San José del Cabo, Mexico. Operating through its Mexican entity MoXi GM, S.A.P.I. de C.V. (also known as Global Mortgage), the company originates and services USD-denominated mortgages for U.S. citizens and permanent residents purchasing, refinancing, or extracting equity from residential property in Mexico. Its core product suite consists of 30-year fixed-rate purchase loans (up to 65% LTV, $250K-$2.5M, rates priced as margin plus 3-year Treasury yield), rate-and-term refinances, cash-out refinances (up to 60% LTV), and MoXi Anywhere, a faster-funding product delivering capital in as few as 48 hours. Closing costs typically run 5-10% of purchase price and loans are reported to the IRS for potential US tax deductibility.

The company has built proprietary technology purpose-built for the niche: a USD-denominated origination and servicing platform with US-style escrow management, the MoXi Mortgage Estimator (the first calculator built specifically for US buyers in Mexico), and the MoXi Client Portal launched in June 2026 providing real-time loan tracking, document management, e-sign, and messaging with the loan and Mexican legal team. MoXi employs AI-generated voice agents for initial inbound calls and AI-generated text messaging for marketing and transactional communications. The firm employs approximately 19-20 named staff including in-house closing attorneys, translators, mortgage advisors, and client concierge, with offices in San José del Cabo (HQ), Puerto Vallarta, San Miguel de Allende, and Southlake, Texas.

MoXi generates revenue primarily through mortgage interest income on its retained loan portfolio, supplemented by origination fees, closing cost pass-through (5-10% of purchase price), and monthly servicing fees on its one-pay escrow program. The company reports over $150M in cumulative loans originated since founding with zero defaults. Distribution combines direct sales via dedicated mortgage advisors with dual partner referral programs covering US real estate brokerages (e.g., Oppenheim Group, Windermere Los Cabos) and US mortgage brokers/bankers (e.g., 5th Street Capital, Jett Lending). The firm is regulated and audited in both Mexico and the United States and operates across five major Mexican markets including Los Cabos, Puerto Vallarta, Riviera Maya, San Miguel de Allende, and Mexico City.

Name

MoXi

Legal name

MoXi GM, S.A.P.I. de C.V.

Website

https://globalmortgage.mx

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Cross-border mortgage lending

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industry

First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG)

Keywords

• Cross-border mortgages
• Mexico property lending
• USD-denominated mortgages
• International home loans
• Expat financing

Headquarters

HQ city

San José Del Cabo

HQ country

Mexico

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Interest Income: MoXi originates and services USD-denominated mortgages for US citizens purchasing or refinancing residential property in Mexico. Revenue is generated through interest payments on the loan portfolio. Interest rates are calculated as margin + 3-year Treasury rate, typically ranging from high 8s to low 10s for qualified borrowers.
2. Origination and Servicing Fees: Closing costs and fees associated with mortgage origination including appraisal, title insurance, notary fees, and monthly servicing fees for escrow management. Closing costs generally run 5-10% of purchase price.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

MoXi originates and services USD-denominated mortgages for U.S. citizens and permanent residents purchasing or refinancing residential property in Mexico. Core products include 30-year fixed-rate purchase mortgages, rate-term refinances, and cash-out refinances, complemented by a proprietary Borrower Portal and Mexico-specific Mortgage Estimator. The company also offers MoXi Anywhere, a fast-funding capital access product for global homeownership goals.

Product overview

MoXi is a cross-border mortgage lending platform offering USD-denominated financing for U.S. citizens purchasing or refinancing residential property in Mexico. The core product suite consists of purchase mortgages, refinance loans, and cash-out refinance options, all structured as 30-year fixed-rate loans originated and serviced in USD. Supporting the core lending products are the MoXi Mortgage Estimator (an online calculator for payment and closing cost estimates) and the MoXi Borrower Portal (a digital closing platform providing real-time loan tracking, document management, and messaging). The company also operates partner programs for mortgage professionals and real estate professionals to refer clients into the platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Mortgage in Mexico

Quantifiable outcome

• Over $150M in loans originated with zero defaults
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability4 records

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Oppenheim Group CabocoreGTM or Marketing PartnerReal estate development company in Cabo San Lucas, Mexico. Partnership offers world-class financing options to Oppenheim clients seeking cross-border mortgage financing for luxury property purchases. Joint marketing and co-branded financing information.
• 5th Street CapitalcoreGTM or Marketing PartnerMortgage lending team partnership bringing international financing products built like US financing products to their client base. Handles client process from pre-qualification to closing.
• Samsara ProjectminorGTM or Marketing PartnerLuxury real estate community development in Caribbean Mexico. Partnership provides financing options for Samsara property buyers.
• Windermere Los CaboscoreGTM or Marketing PartnerReal estate brokerage partnership offering cross-border financing solutions for US citizens purchasing or refinancing property in Los Cabos area. Joint marketing for 30-year fixed rate products.
• Jett Lending TeamminorGTM or Marketing PartnerMortgage lending team partnership offering world-class financing opportunities to their clients seeking Mexico property financing.
• Premier One CapitalminorGTM or Marketing PartnerFinancial services partnership providing creative customized financing solutions for clients seeking Mexico property financing.
• Christina Bus (Mortgage Broker)minorGTM or Marketing PartnerIndividual mortgage broker partnership with 26+ years experience. Christina guides buyers through cross-border lending with strategy-first approach for Mexico property purchases.
• Real Estate F&F (Leo Garcia)minorGTM or Marketing PartnerReal estate partnership bringing world-class financing to Americans purchasing property in Mexico through Leo Garcia's real estate practice.
• Platinum Real Estate (Jeremy Vatinel)minorGTM or Marketing PartnerReal estate partnership offering MoXi financing options to clients through Platinum Real Estate's Cabo-based practice.
• Sarahuaro FoundationminorOthersMoXi's designated charity of choice since 2024. Sarahuaro Foundation serves women and children in Los Cabos with healthy meals, education for mothers, and life-changing resources. MoXi team participates in events and sponsors activities.

Scale indicators6 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Liquify: U.S.-based fintech that provides cross-border mortgage financing for foreigners buying property in Mexico. Closest direct competitor to MoXi, with a similar USD-denominated, English-language product aimed at U.S. and Canadian buyers.
• MexLend: Mexico-focused mortgage broker that specializes in cross-border financing for non-Mexican nationals buying property in Mexico. Competes with MoXi for the same U.S. citizen borrower and real estate agent referral relationships.

Broad incumbents

• Intercam Banco: Mid-size Mexican bank that historically serves expat and cross-border clients in resort markets like Los Cabos and Puerto Vallarta. Competes with MoXi on mortgage products for foreigners, but as part of a much broader retail/commercial banking franchise.
• Banorte: One of Mexico's largest commercial banks, with established foreign-buyer mortgage programs. A broad incumbent competitor that could enter MoXi's USD-denominated niche with significantly more capital and branch infrastructure.
• Citibanamex: Major Mexican bank (part of Grupo Financiero Banamex / Citigroup franchise) offering peso-denominated mortgage products and FX-linked solutions to foreign buyers. A potential scale competitor if it launches a USD-denominated offering.
• HSBC Mexico: Global bank with a large Mexican retail and mortgage franchise and strong cross-border remittance/customer flows. Comparable in serving foreign-buyer mortgage demand, but as part of a much broader product set.
• Scotiabank Mexico: Canadian-headquartered bank with a sizable Mexican retail and mortgage business. Comparable to MoXi in serving expat and cross-border home financing needs, particularly in resort markets.
• BBVA Mexico: One of the largest banks in Mexico, with mortgage and consumer finance products targeted at both residents and foreigners. A scale competitor that could move into MoXi's USD-denominated cross-border niche.

Emerging players

• Global Mortgage Partners (cross-border brokers): Independent mortgage brokers and boutique originators that focus on cross-border Mexico real estate financing. Comparable in target customer (U.S. buyers in Mexico) but typically smaller balance sheet and less integrated than MoXi.
• BlueWater Lending: Smaller specialty lender focused on cross-border mortgages for foreigners buying property in Mexico. Comparable in niche focus and target borrower, but with a smaller origination footprint than MoXi.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/moxiglobalmortgage
• LinkedInlinkedin.com/company/moxi-global-mortgage

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds

Investors

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 MoXi