Understand your financing options
Compare mortgage terms, down payment needs and monthly payment capacity before choosing a home.
| Financing option | May fit if… | What to compare | What to watch |
|---|---|---|---|
| Bank mortgage | You have documented income and want term flexibility | Total annual cost, rate, insurance and origination fee | Down payment and a sustainable monthly payment |
| Infonavit | You are eligible and want to use your housing savings | Available amount, term and total payment | Property eligibility requirements |
| Fovissste | You work in the public sector and qualify | Borrowing capacity, term and current conditions | Processing time and documentation |
| Co-financing | You need to combine a public program with a bank | Combined payment and costs from both sources | Coordinating two processes without overstretching |
Prepare your documents
Income proof, identification and credit history are usually needed to move quickly once you find the right property.
Visit before deciding
A site visit helps you evaluate location, finishes, access and the real day-to-day convenience of the home.
