Can U.S. citizens buy property anywhere in Spain?

Yes. U.S. citizens can buy property in Spain, including Madrid, Barcelona, Málaga and coastal areas. We help you understand the mortgage side before you commit to a property.

Can I get a mortgage in Spain as a non-resident?

Yes. Many banks finance non-resident buyers. A standard offer may stop around 60% of the property value, while qualified profiles can explore options of up to 80% through our lender network.

Do I need to be in Spain for every step?

No. We can start with an online meeting, review your documentation remotely and coordinate the mortgage work before you travel. We will explain which moments require your presence for your specific purchase.

What documents will I need?

Banks usually ask for identification, income and tax records, bank statements showing available funds, and a U.S. credit report. We tell you what to prepare and in what order.

Does buying a home give me Spanish residency?

Owning property and obtaining residency are separate matters. Buying a home does not automatically grant a residence permit, so any immigration question should be reviewed on its own terms.

ACFINAN

Mortgages for U.S. buyers

Buying a Home in Spain from the U.S.?

We help qualified buyers explore up to 80% financing and coordinate the mortgage process in English, before and during your time in Spain.

Review My Mortgage Options

Financing for non-residents

Most non-resident mortgages stop at 60%. We can explore up to 80%.

A stronger mortgage option can leave more of your capital available for the purchase itself. We match qualified buyers with lenders whose criteria fit their complete profile.

Traditional bank

60%

ACFINAN lender network

80%

Up to 80% is available for qualified profiles and depends on the lender, income documentation and property.

Registered
Mortgage intermediary registered with the Bank of Spain · D378
In English
One clear point of contact from your first online meeting
From the U.S.
Prepare the mortgage work remotely before you travel

A process you can follow

Clear support before you fly and when you arrive.

01
Meet online
We start with your plans, income and preferred area in Spain.
02
Prepare your file
We tell you what to gather and help put the documentation in order.
03
Explore financing
We look beyond a single branch to find the lender criteria that fit your profile.
04
Arrive prepared
We stay alongside you through the mortgage and signing steps in Spain.

What we help you prepare

The essentials, in the right order.

Identity and NIE: Passport details and the foreigner identification process.
Income and tax records: Recent U.S. tax returns and evidence of your income.
Funds available: Bank statements and a clear record of where your purchase funds come from.
Credit profile: Your U.S. credit report and any information a lender needs to understand it.