Buy a Home in Spain with a Mortgage as a US Citizen

Buying property in Spain as an American citizen is completely possible—and easier than you might think when you have the right support. At Mortgage in Spain, we help U.S. buyers obtain Spanish mortgages that suit their income, tax profile and investment goals.


We are a mortgage broker licensed by the Bank of Spain, offering full guidance throughout the process. Whether you're investing in a holiday home or relocating to Spain, we make the mortgage journey smooth, safe and 100% online.

We are experts in U.S. financial documentation and will present your case to banks in the correct format—saving you time, stress and money.


Our Services for US Buyers Include:

✅ Mortgage capacity calculation based on your U.S. income
✅ Explanation of all costs and taxes involved in the Spanish property purchase
✅ NIE number application through a fast and fully online process
✅ Negotiation with multiple Spanish banks to get the best mortgage offer
✅ Review and adaptation of IRS tax returns, W-2s, 1099s and bank statements
✅ Full coordination with real estate agents, lawyers and notaries
✅ Support in English and full transparency throughout the process
✅ Help with opening a Spanish bank account, transferring funds, and utilities


Why Choose Mortgage in Spain?

⭐ 99% mortgage approval rate
⭐ Licensed mortgage broker by the Bank of Spain
⭐ 100% online process—no need to travel until final signing
⭐ No broker fee for you—our service is paid by the bank
⭐ Specialized in U.S. buyers and documentation
⭐ Trusted by clients from over 20 countries


A Complete Solution for Americans Buying in Spain


We go far beyond just the mortgage. We help you:

  • Avoid legal risks by coordinating contracts correctly
  • Ensure your reservation and deposit contracts are subject to mortgage approval
  • Guide you through the notary process and cooling-off period
  • Work with lawyers who understand U.S. documentation and expectations
  • Save thousands by negotiating better mortgage rates on your behalf


📞 Start Your Journey to Spain Today

Fill out our online form and get your free mortgage evaluation. We’ll calculate your borrowing capacity and explain the next steps—no commitment required.