Mortgages

Negotiating home prices in Spain when you're ready to purchase a home isn't easy. One of the first things Americans notice when they're ready to make an offer on a property in Spain, is that the familiar comparison pricing information isn't there.

No Zillow. No Redfin. No Zestimate telling you whether the asking price is reasonable or wildly optimistic. No public database of what the house next door sold for last spring. If you've spent any time shopping for real estate in the US, the opacity can feel disorienting at first.

US expats can get Spanish mortgages as residents or non-residents. The Spanish mortgage system is more conservative. Banks typically require larger down payments, especially for non-residents and place a strong emphasis on income stability and overall risk