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Eligibility & documents

What you need to join Tanda Casa. Light on paperwork, heavy on what actually matters.

Three documents, a short personal data form, and a clear picture of your situation. No credit bureau check, no proof of income, no mandatory down payment. If you have a valid government ID, a current proof of address, and three people who will pick up the phone, you are most of the way there.

3 documents
20-minute form
No credit check
Foreigners eligible
Start in the app Check if I qualify on WhatsApp
Your journey to a Mexican home
You're on step 2. Confirm what's required, then run the numbers.
1 · Welcome → 2 · Requirements → 3 · Calculator → 4 · Process
What we ask for

The 3 documents we ask for

That is the full document list. Everything else is data you type into a form — no scans, no certifications, no notary trips.

Doc 01
Government ID

Mexican INE if you are Mexican, or a valid passport if you are a foreigner. A Mexican residency card (FM — Temporal or Permanente) also works on its own. Any one of these alone is enough.

What counts
  • INE (Mexican ID) — original digital photo, front and back, legible
  • Foreign passport — valid, photo page, original digital photo
  • FM — Residente Temporal or Residente Permanente card — front and back, original digital photo
  • Smartphone photo or scan, both work
What does not count
  • Expired INE or passport
  • Driver's license alone (not accepted as primary ID)
  • Blurry photos or partial crops
Doc 02
Proof of address

A recent bill or statement that ties you to a physical address. No older than 3 months.

What counts
  • Electricity, water, gas, internet, or phone bill
  • Bank or credit-card statement
  • Property tax statement (predial)
  • In your name — or a relative's name if you live there
What does not count
  • Anything older than 3 months
  • Receipts for one-off purchases or deliveries
If the bill is in a family member's name and you live with them, add a short signed letter from the holder confirming you live there. We provide a 4-line template.
Doc 03
3 personal references

Three people who can confirm they know you. Not income references — we never call about money.

For each one we ask
  • Full name
  • Relationship (family, friend, coworker, neighbor)
  • Phone number that works
Rules
  • They should not live at your address
  • Not your spouse or anyone listed as a beneficiary
A reference call, if it happens, is a 60-second confirmation that you exist and they know you. There are no income or financial questions.
Plus a short form

Plus a 20-minute personal data form

No scans, no certifications. Just fields you fill in once. Here is everything you will be asked for, so you can have it ready.

Form contents

About you

Standard identification fields. Everything is typed; the only uploads are the three documents above.

Full legal name Required
First and last names, as they appear on your ID.
Date of birth Required
Day, month, year.
Nationality Required
Mexican, American, Canadian, or other — whichever your passport shows.
Marital status Required
Single, married, civil union, divorced, widowed. Spouse data only if you are married.
CURP Mexican only
Mexican personal ID code. If you are not Mexican, leave it blank.
Foreign tax ID Foreigner only
US SSN/ITIN, Canadian SIN, or your equivalent. Optional but recommended for foreign clients.
Occupation Required
Free text. Employed, self-employed, retired, freelance — whatever fits.
Monthly income range Required
We ask, but we do not verify. No pay stubs, no tax returns.
Home address Required
Matches the proof of address. Street, number, neighborhood, city, state, postal code.
How you found us Required
Single dropdown. Helps us understand which channels reach you.
About monthly income: we ask for a range, not a number, and we never request supporting documents. The number is used internally for know-your-customer reporting under PROFECO regulation, not as a qualification filter.

Your beneficiaries

You designate 1 to 4 people whose percentages must add up to 100%. For each one we ask name, relationship to you, and percentage. You can update beneficiaries at any time from your client portal after the contract is active.

Once these fields are typed, you are done. The form does not loop back — you do not get sent to a credit-bureau page, an employment-verification step, or a fast-track underwriting review. Step 1 finishes, and step 2 of the app moves to signature.
The big differentiator

What we don't ask for

This is where Tanda Casa diverges from a Mexican bank. Six things every bank demands. None of them apply to your plan.

No credit bureau check

Not Buró de Crédito, not international bureaus, not anywhere. We do not pull a report, soft or hard. Your credit history — excellent, mediocre, missing, or damaged — does not affect eligibility.

No proof of income

No pay stubs, no W-2s, no tax returns, no employer letters, no invoices. We trust the conversation with the advisor about what you can realistically commit to each month. The number you choose is the number we plan around.

No mandatory down payment

APEX (the upfront contribution) is optional. If you cannot or do not want to add one, you join a Traditional plan with no APEX. You enter month 1 from zero and advance by point score.

No co-signer required

In almost all cases, you sign alone. You are not asked to find a guarantor, a co-borrower, or someone with Mexican credit history to back you up. Liquidity plans (where you put up an existing home) are the narrow exception, and there too the co-signer requirement is rare.

No employment verification, no residency tests

We do not call your employer. We do not ask how long you have been in Mexico. Recent arrivals are welcome on the same terms as anyone else — the application does not differentiate by length of residency.

If you are a foreigner

Your migratory status, and how it works for us

Most foreigners we talk to qualify on day one. Here is the clear breakdown of which migratory status works for a Tanda Casa contract.

Permanent Resident or Temporary ResidentYou hold a current residente permanente or residente temporal card issued by INM.
Fully eligible
No additional steps. Passport plus residency card is enough.
Refugee or Asylum holderYou hold a refugio or asilo status recognized by COMAR or INM, with the corresponding documentation.
Fully eligible
Passport plus your refugio or asilo documentation works as government ID.
Mexican-American with US passportMexican citizen by birth or descent, living in the United States or Canada, and traveling on a foreign passport.
Fully eligible
No Mexican residency required. The whole contracting flow can be done remotely from the US or Canada.
Tourist (FMM) planning to stabilize statusYou entered Mexico on a tourist permit (FMM) and intend to apply for residency or otherwise stabilize your status in the medium term.
Fully eligible
FMM works as government ID alongside your passport. You can start your enrollment the same day.
Visa-free traveler (180-day stamp)Your country has a visa-free agreement with Mexico and you receive the standard 180-day entry stamp on arrival.
Fully eligible
The 180-day entry stamp is enough to start. No additional residency status required upfront.
One honest note. We are a home-financing company, not immigration lawyers. The table above tells you whether your status works for a Tanda Casa contract, not whether it is the best path for your overall residence in Mexico. For immigration advice specific to your case, we will always point you to an INM-accredited lawyer.
Only for Liquidity plans

If you want Liquidity, the property carries 3 extra requirements

Liquidity uses an existing home you already own as collateral — so the property itself needs to qualify, in addition to you. This section applies only to the Liquidity product line, not to standard purchase, construction, or remodel plans.

Extra rules for the collateral property

These are about the home, not about you. Standard purchase, construction, or remodel plans do not require any of this.

  • The property must be in your name. Title (escritura pública) registered to you, or to you jointly with your spouse if applicable.
  • The property must be free of liens. No active bank mortgage, no embargo, no INFONAVIT lien still attached. A current Certificado de Libertad de Gravamen is the standard proof.
  • The property must be in Mexico. Any state. Coastal or border properties are handled via standard fideicomiso when applicable.
Loan-to-value cap: up to 70% of the property's appraised value. The appraisal is done by an authorized perito, coordinated through the advisor.
Additional documents may be requested for Liquidity: the deed (escritura), the most recent property tax statement (predial), the Certificado de Libertad de Gravamen, and the perito's appraisal. All of these are coordinated with you step by step — the advisor handles the order of operations.
Common qualifying questions

Honest answers to the worry questions

Five questions we hear all the time from people who are not sure whether they qualify. Short, direct answers.

It does not affect your eligibility. Tanda Casa never consults Buró de Crédito or any other credit bureau, Mexican or international. The qualification is based on your ability to sustain the monthly contribution you commit to, not on a credit score. Whether your history is excellent, mediocre, missing, or damaged makes no difference to the application. The plan is structured as a collective savings fund, not a bank loan — so credit history is not part of the model.
That is fine. We do not ask for pay stubs, tax returns, invoices, or employer letters. Freelancers, business owners, remote workers paid by foreign clients, and informal-income earners all qualify on the same terms as anyone else. The conversation with the advisor is about what monthly amount you can realistically sustain — there is no income verification step.
Yes. There is no length-of-residency test. If you have a valid foreign passport and either permanent residency, temporary residency, refugee or asylum status, or a clear plan to stabilize your migratory status, you are eligible to start. Recent arrivals are a significant portion of our client base — they are typically the people Mexican banks turn away first because they have no local credit footprint yet.
Yes. Foreigners can hold property directly in their own name almost everywhere in Mexico. The single constitutional restriction is the Restricted Zone — within 100 km of an international border or 50 km of a coastline. In those areas, foreigners hold property through a standard bank trust (fideicomiso), which is a routine, well-established procedure used across the Riviera Maya, Baja, the Pacific coast, and the northern border. Outside the Restricted Zone, the property goes directly into your name with no intermediary structure required.
If you are Mexican and your INE is lost or expired, you can either replace it through INE first (current processing time varies) or use a Mexican passport in the meantime. The system accepts INE or passport — either one is sufficient as government ID, you do not need both. If you have neither and need to renew first, message the advisor and we will hold your spot until you have a valid document.
No. The whole contracting flow is built to work from anywhere. You upload your documents, fill in the form, and sign once electronically with a NOM-151 timestamp. The signature is the Mexican certified standard — legally binding, exactly like ink on paper, and time-anchored at the moment you click Sign. No notary visit, no in-person meeting required.
Your next step

Three ways to move forward

Pick the one that matches where you are right now. All three lead to the same 4-step online flow.

Path 01 · Have what you need

Start in the app

You have your ID, you have your proof of address, you have three people to list as references. You are ready. Open the app and finish in one sitting.

Start here
Path 02 · See numbers first

Want to see numbers first

Before gathering documents, you want to model the monthly payment, compare the four plans, and see how APEX changes the adjudication month. Open the calculator — nothing to sign.

Open the calculator
Path 03 · Not sure which plan fits

Take the 2-minute quiz

You have the documents and you qualify, but you are not sure which of the four plans is right for your situation. 8 questions, no personal data, and we tell you which plan fits — with an estimated monthly payment based on your real answers.

Start the quiz

For the full 8-document contractual kit you sign once (with NOM-151 timestamp), see how it works. For the four plan types and how APEX changes adjudication timing, see my plan.