Covid-19 Health Security Certification

We obtained the certification from the Social Security Health Department of San Miguel de Allende so that we comply with all the regulations stipulated for businesses, particularly real estate, so that both buyers and sellers can feel secure when visiting and showing properties.

Counseling

Our counseling service has been very important to our clients, whether they are buying or selling a property in San Miguel de Allende. This is  the first step in the procedure. We make sure they feel comfortable with our knowledge and expertise in the real estate field and assure them they are getting the best advice and will provide the best possible outcome in  the transaction of their property.

Property Management

Most of our clients that purchase a property as their second home, or vacation home in San Miguel de Allende, decide to let us manage their property. They know that we will make sure their property is well taken care of and will be in perfect condition. We take care of paying all their monthly utility bills, such as the electricity, water, gas, telephone, cable, internet, and alarm bills, as well as their annual property taxes. We also take care of all the repairs needed for the correct functioning of their property. We have a list of plumbers, electricians, carpenters, painters, and handy men that take care of this when needed. We also take care of paying the housekeeper´s and gardener´s weekly salaries. All our clients have been totally satisfied by our property management service and widely recommend us.

Staging

Our staging service has helped many clients in selling their San Miguel de Allende homes in a shorter period of time. We give them advice as to what changes are needed in order to make their home more appealing and attractive to buyers. We own a wide inventory of paintings, decorative items, and furniture that enhance the beauty of the seller´s home.

Appraisals

Our appraisals service is extremely helpful to clients when they come to the point of selling their home in San Miguel de Allende. This is so important in the correct pricing of the property. We provide you with an estimated idea of the listing price considering the size of the property and the type of construction, and make a study of comparables in the current real estate market. We have professional certified appraisers that provide a certificate of the actual condition and value of the property.

Home Inspections

Our home inspection service is crucial in the final process when purchasing a home in San Miguel de Allende. It is always included in a contingency clause in the Offer to Purchase Agreement in order to assure the buyers that all damages to the property they are purchasing, if any, will be fixed by the seller. We have certified home inspectors that will do a thorough professional job to your complete satisfaction.

Immigration

This is a very handy service for clients who want to obtain a temporary or permanent residency status. We always recommend this to our clients who want to live in San Miguel de Allende full time or part time. When the time comes to sell their homes they can prove they are residents and can take advantage of the permitted capital gains exemption at the time.

Mortgages

We are teamed up with Global Mortgage in order to help more U.S. Citizens own a home in San Miguel de Allende, the epicenter of art and culture.

Global Mortgage offers loans for up to 60% of the purchase price with fixed rate terms of 15, 20, and 25 years. Historically, U.S. Citizens have relied on their available liquid assets to define what they are able to afford. By leveraging our loan program they can now consider buying a home they want and not be limited by available cash. A client of ours is a great example of that. She is now on the path to owning a beautiful home in San Miguel de Allende with a value twice as much as she had available in cash, and she will also be able to keep some cash for a rainy day. In many cases, folks will borrow against their assets in the U.S. to purchase property in Mexico, which restrains their credit and liquidity. Global Mortgage loans are not reported to U.S. credit bureaus and because we collect taxes, insurance, and HOA fees (where applicable) along with the monthly principal and interest payment, our borrowers have the convenience of making their mortgage payment as they are accustomed to in the U.S.

We pride ourselves in being transparent and feel strongly that all parties involved should be fully informed of our process, fees, and lending criteria.  Here is a summary of what our current offering looks like:

  • U.S. Dollar loans backed by U.S. investment fund
  • 15 to 25 year fixed rate mortgages
  • Up to a 60% Loan to Value
  • As low as a 680 Credit Score
  • Rates from 7.75% – 11.75% (depending on qualification)
  • 3% Origination Fee
  • No Prepayment Penalty
  • No Balloon Payments
  • No Life Insurance requirement