Buy your home in Cuenca from the United States
Earn in dollars and buy in dollars. We prequalify you using your US documents and handle the process in Cuenca.
Prequalification requirements
You only need 2 documents from the United States
Send us whichever two of these four documents are easiest for you to obtain.
- 1
2023, 2024 and 2025 tax returns
Your IRS tax returns for the last three years.
- 2
Employment letter
A letter from your employer stating your monthly income.
- 3
Pay stubs or checks
Your payment records for the last 3 months.
- 4
Bank statements
Your bank statements for the last 3 months.
We help with the entire process. As your agency, we review your documents, prepare your file and arrange prequalification once you reserve your home.
Buying from the United States
Designed for Ecuadorians in the United States
No currency exchange
Ecuador uses the US dollar. Your savings and purchase use the same currency, without exchange-rate losses.
Almost the same time zone
Ecuador is on Eastern Standard Time or one hour behind the US East Coast, depending on the season. We coordinate without early starts.
Use your local documents
We work with the US documents you already have: tax returns, pay stubs, an employment letter or bank statements.
We help Ecuadorians in the United States in New York, New Jersey, Connecticut, Chicago, Minneapolis and Miami, and in every other city in the country.
Step by step
How to buy your home in Cuenca from the United States
- STEP 1
Contact us on WhatsApp
Tell us which country you live in, the home you want and your approximate budget.
- STEP 2
Choose your home remotely
We show you options within your budget, with photos, videos and live video tours.
- STEP 3
Reserve your home with $500
It counts toward the home price. If the bank denies financing, we refund it in full.
- STEP 4
Send 2 documents for prequalification
Choose the two easiest documents from the requirements list. We prepare your file and arrange prequalification with the lender.
- STEP 5
Closing and keys
We coordinate the closing documents with the bank and notary and support you through handover.
VIP mortgage · Miti Miti
VIP mortgages for Ecuadorians in the United States
The VIP or Miti Miti mortgage is a government benefit. Yes, as an Ecuadorian living in the United States, you can access it, and we help with the entire application.
95%
financing for homes up to $110,000
4.87%
annual interest
25 years
repayment term
≈ $650
approximate monthly payment
VIP mortgage requirements
- Stable employment.
- Monthly income from $1,200 to $3,000 (payslip or VAT return), with at least 1 year of stability. Married applicants combine both spouses’ income.
- You must not own another home in Cuenca.
- Good credit history.
Prequalification
At Mutualista Azuay or Banco Pichincha
- Ecuadorian identity card.
- Your 3 latest payslips if you are employed.
- Your 3 latest VAT returns if you own a business.
- Signed authorization for a credit bureau check.
These figures and requirements apply only to VIP mortgages. If you do not qualify (for example, you earn over $3,000 a month, already own a home in Cuenca or want a home over $110,000), you can still apply for a preferential mortgage. We also help with that prequalification.
Indicative figures. Final approval and terms depend on the lender.
Frequently asked questions
Questions from Ecuadorians in the United States
Can I prequalify using my US income?
Yes. Prove your income with 2 of these 4 documents: 2023–2025 tax returns, an employment letter, 3 months of pay stubs or checks, or 3 months of bank statements. We prepare your file.
Can I access VIP (Miti Miti) financing while living in the United States?
Yes. As an Ecuadorian living abroad, you can access VIP financing: up to 95% for homes up to $110,000, at 4.87% annual interest over 25 years. We arrange your prequalification.
What if I do not qualify for a VIP mortgage?
You can apply for a preferential mortgage. VIP figures and requirements (income from $1,200 to $3,000, a home up to $110,000 and no other home in Cuenca) apply only to that loan. We help you prequalify for the option that suits you.
Do I need to exchange my dollars?
No. Ecuador uses the US dollar, so the home price, mortgage and monthly payment use the same currency as your income.
Do I have to travel from the United States to buy?
Not for prequalification. Send your documents on WhatsApp, view homes through video calls and coordinate each closing step with us.
I live in New York or New Jersey. Can you help me?
Yes. We help Ecuadorians in any US city through WhatsApp and video calls at times that work for you.
Start your home search from the United States
Contact us, send your 2 documents and we take care of the rest.
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