For a long time, financing options in Baja were very limited, local banks were not lending to foreigners without a credit history in the country, and most residential loans were being processed by the developers that were selling their inventory. Interest rates were at an all-time high, especially after the 2008 recession, this caused most sales conducted south of the border to be paid in cash, limiting the scope of properties to which the buyers could have access.

Thankfully, things have changed, the explosive growth of the area and the continuous demand of real estate have changed the financing landscape in Baja, private companies and big financial institutions have addressed this increasing need of solid reliable and affordable financing.