[
  {
    "id": "REG01",
    "title": "Regulation Z: Definitions and rules of construction, including credit sale",
    "publisher": "Consumer Financial Protection Bureau",
    "url": "https://www.consumerfinance.gov/rules-policy/regulations/1026/2/",
    "checked": "2026-11-01",
    "claims": [
      "Certain lease arrangements can fall within the credit-sale definition."
    ],
    "caveats": [
      "No classification or applicability opinion for Tamarindo's final contracts is made."
    ]
  },
  {
    "id": "REG02",
    "title": "Minimum standards for transactions secured by a dwelling",
    "publisher": "Consumer Financial Protection Bureau",
    "url": "https://www.consumerfinance.gov/rules-policy/regulations/1026/43/",
    "checked": "2026-11-01",
    "claims": [
      "Dwelling-secured consumer credit has scope, ability-to-repay and exemption rules."
    ],
    "caveats": [
      "Foreign-property and state-law application requires transaction-specific analysis; lease naming is not an exemption conclusion."
    ]
  },
  {
    "id": "REG03",
    "title": "What is a home equity line of credit?",
    "publisher": "Consumer Financial Protection Bureau",
    "url": "https://www.consumerfinance.gov/ask-cfpb/what-is-a-home-equity-line-of-credit-heloc-en-107/",
    "checked": "2026-11-01",
    "claims": [
      "Revolving borrowing is secured by existing home equity, with draw and repayment periods, variable rates and possible fixed-rate conversion."
    ],
    "caveats": [
      "Individual lender controls and permitted use still apply."
    ]
  },
  {
    "id": "REG04",
    "title": "Foreign tax credit",
    "publisher": "Internal Revenue Service",
    "url": "https://www.irs.gov/individuals/international-taxpayers/foreign-tax-credit",
    "checked": "2026-11-01",
    "claims": [
      "Eligible foreign income taxes may qualify for a credit or deduction, subject to conditions."
    ],
    "caveats": [
      "Not an assurance that all local taxes are creditable or that FinanceCo owes no additional U.S. tax."
    ]
  },
  {
    "id": "XB01",
    "title": "Mortgage professionals partner programme and loan parameters",
    "publisher": "MoXi / Global Mortgage Mexico",
    "url": "https://www.globalmortgage.mx/partnerships-mortgage-pros",
    "checked": "2026-11-01",
    "claims": [
      "U.S. citizens/permanent residents,720+ FICO,$350K+ property,65% maximum LTV,$2.5M maximum loan,30-year fixed USD programme."
    ],
    "caveats": [
      "Partner summary is not a borrower approval; separate explanations describe a lower-LTV 700-score route."
    ]
  },
  {
    "id": "XB02",
    "title": "How to finance and legally own property in Mexico",
    "publisher": "MoXi / Global Mortgage Mexico",
    "url": "https://www.globalmortgage.mx/blog/qa-webinar-november-financing-in-mexico",
    "checked": "2026-11-01",
    "claims": [
      "Income,assets,credit and debt service are underwritten;720 score for65% LTV,700 for lower leverage described."
    ],
    "caveats": [
      "Educational webinar text rather than a personal term sheet."
    ]
  },
  {
    "id": "XB03",
    "title": "Interest rate policy and fixed-rate pricing",
    "publisher": "MoXi / Global Mortgage Mexico",
    "url": "https://www.globalmortgage.mx/pricing",
    "checked": "2026-11-01",
    "claims": [
      "Pricing margin depends on FICO,LTV and loan size; fixed-rate loan pricing is finalised near closing."
    ],
    "caveats": [
      "No teaser APR or personalised rate used in this report."
    ]
  },
  {
    "id": "XB04",
    "title": "Hipoteca flexible en Mexico para compradores internacionales",
    "publisher": "Mexico Mortgage Hub",
    "url": "https://mexicomortgagehub.com/es/flexible-mortgage",
    "checked": "2026-11-01",
    "claims": [
      "Advertises no income proof/no credit history,180 months,75/80% LTV and registration,draw,monthly administration and updating charges."
    ],
    "caveats": [
      "Advertising does not establish guaranteed immediate funding; legal lender,charge bases,socioeconomic study and disbursement timing require confirmation."
    ]
  },
  {
    "id": "XB05",
    "title": "HolaBank Mortgage: Spanish mortgage for non-residents",
    "publisher": "CaixaBank",
    "url": "https://www.caixabank.es/particular/holabank/holabank-mortgage.html",
    "checked": "2026-11-01",
    "claims": [
      "U.S. residents can apply online;up to70% financing;USD is listed among income currencies for up to20-year terms;72-hour feasibility response after documents."
    ],
    "caveats": [
      "Feasibility is not final approval or closing;notarial/cooling-off stages and individual underwriting apply."
    ]
  },
  {
    "id": "XB06",
    "title": "International mortgage services and non-UK-resident eligibility",
    "publisher": "HSBC UK",
    "url": "https://www.hsbc.co.uk/international/mortgage-services/",
    "checked": "2026-11-01",
    "claims": [
      "U.S. residence explicitly listed;residential basic annual incomeGBP75,000 and75% maximum LTV;separate buy-to-let tests."
    ],
    "caveats": [
      "UK properties through UK lender,not worldwide coverage or HSBC USA lending."
    ]
  },
  {
    "id": "XB07",
    "title": "Mortgages and home loans for international borrowers",
    "publisher": "HSBC Bank USA",
    "url": "https://www.us.hsbc.com/home-loans/international-borrowers/",
    "checked": "2026-11-01",
    "claims": [
      "U.S. HSBC mortgage and home-equity products are stated to be available only on U.S.-located property."
    ],
    "caveats": [
      "Do not confuse foreign borrowers buying U.S. property with U.S. residents buying foreign property."
    ]
  },
  {
    "id": "US01",
    "title": "Buying international property: How to finance foreign real estate investment",
    "url": "https://www.rocketmortgage.com/learn/buying-international-property",
    "publisher": "Rocket Mortgage",
    "checked": "2026-11-01",
    "claims": [
      "Rocket states it does not finance foreign purchases."
    ],
    "caveats": [
      "Updated 2023-12-04. Do not repeat its blanket claim about all U.S. lenders; J.P. Morgan evidence supplies an exception. Country examples not relied upon."
    ]
  },
  {
    "id": "US02",
    "title": "Compare Home Equity Loan Options",
    "url": "https://www.rocketmortgage.com/home-equity/compare-options",
    "publisher": "Rocket Mortgage",
    "checked": "2026-11-01",
    "claims": [
      "Second-lien home equity loan and replacement cash-out refinance differ. Equity underwriting requires full income/assets documentation; disclosure dated 2025-11-19."
    ],
    "caveats": [
      "No explicit foreign collateral or destination-use approval. Product restrictions and borrower approval apply."
    ]
  },
  {
    "id": "US03",
    "title": "Home Equity Line of Credit (HELOC)",
    "url": "https://www.bmo.com/en-us/main/personal/loans-and-lines-of-credit/home-equity-line-of-credit/",
    "publisher": "BMO Bank N.A.",
    "checked": "2026-11-01",
    "claims": [
      "U.S. home-equity borrowing considers credit, income, obligations and equity; variable interest and draw/repayment phases apply."
    ],
    "caveats": [
      "Broad cash uses do not establish country XXX approval. No advertised APR adopted."
    ]
  },
  {
    "id": "US04",
    "title": "Personal Loan Requirements: How To Apply",
    "url": "https://www.rocketloans.com/learn/personal-loan-basics/personal-loan-requirements",
    "publisher": "Rocket Loans",
    "checked": "2026-11-01",
    "claims": [
      "Cross River originates unsecured amortising loans; current page shows $2,000–$75,000, 36/60 months, digital income/identity verification."
    ],
    "caveats": [
      "Citizenship/permanent-residence and approval conditions apply. Foreign acquisition permission not established. No APR comparison."
    ]
  },
  {
    "id": "US05",
    "title": "FAQ",
    "url": "https://www.lightstream.com/faq",
    "publisher": "LightStream by Truist",
    "checked": "2026-11-01",
    "claims": [
      "Selected use binds proceeds; business purposes prohibited; income/assets and full credit profile matter."
    ],
    "caveats": [
      "Foreign home purchase/rental use not expressly resolved. No approval inferred from high FICO alone."
    ]
  },
  {
    "id": "US06",
    "title": "Online Security: Protect Against Fraud",
    "url": "https://www.lendingtree.com/about/onlinesecurity/",
    "publisher": "LendingTree",
    "checked": "2026-11-01",
    "claims": [
      "LendingTree identifies itself as a marketplace that does not offer, approve or process loans."
    ],
    "caveats": [
      "Underlying lender terms govern; marketplace name establishes no foreign-property eligibility."
    ]
  },
  {
    "id": "US07",
    "title": "Pledged Asset Line Frequently Asked Questions",
    "url": "https://www.schwab.com/pledged-asset-line/faqs",
    "publisher": "Charles Schwab Bank, SSB",
    "checked": "2026-11-01",
    "claims": [
      "Home purchase permitted; non-retirement securities secure credit. $100,000 minimum collateral loan value and demand rights apply."
    ],
    "caveats": [
      "Collateral loan value is not portfolio market value. Country XXX use/transfer not explicitly established."
    ]
  },
  {
    "id": "US08",
    "title": "What is a margin loan and how they work on M1",
    "url": "https://help.m1.com/en/articles/9332210-what-is-a-margin-loan-and-how-they-work-on-m1",
    "publisher": "M1 Finance",
    "checked": "2026-11-01",
    "claims": [
      "Dated 2026-09-17; margin cash withdrawals allowed for outside uses; eligible securities and maintenance requirements apply."
    ],
    "caveats": [
      "Retirement/custodial exclusion, margin-call and sale risk. Article flags AI-assisted content; binding agreement and destination transfer unverified."
    ]
  },
  {
    "id": "US09",
    "title": "Real Estate Lending",
    "url": "https://privatebank.jpmorgan.com/nam/en/services/lending/real-estate-lending",
    "publisher": "J.P. Morgan Private Bank U.S.",
    "checked": "2026-11-01",
    "claims": [
      "Explicit non-U.S. residential category names UK and French financing strategies."
    ],
    "caveats": [
      "Not generic worldwide approval. U.S.-resident eligibility, wealth minimums, documents, collateral structure and country XXX terms unresolved."
    ]
  },
  {
    "id": "US10",
    "title": "Lending Services",
    "url": "https://privatebank.jpmorgan.com/nam/en/services/lending",
    "publisher": "J.P. Morgan Private Bank U.S.",
    "checked": "2026-11-01",
    "claims": [
      "Bespoke credit strategies; securities values/eligibility can change; forced sales and remaining-balance liability disclosed."
    ],
    "caveats": [
      "Not all products available in all locations; no individual quote or foreign mortgage approval."
    ]
  },
  {
    "id": "US11",
    "title": "Bridge Loans for Fix and Flip Investors",
    "url": "https://www.kiavi.com/loans/bridge-loans",
    "publisher": "Kiavi / Figure Lending",
    "checked": "2026-11-01",
    "claims": [
      "Non-owner-occupied property-focused bridge finance advertises no income verification and specifies U.S. collateral states."
    ],
    "caveats": [
      "Headline and FAQ amount/leverage conflict; excluded from comparison. Foreign consumer use, guarantees and proceeds permission unverified."
    ]
  },
  {
    "id": "US12",
    "title": "Retirement plans FAQs regarding loans",
    "url": "https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-loans",
    "publisher": "Internal Revenue Service",
    "checked": "2026-11-01",
    "claims": [
      "Qualified-plan lending optional and limited; repayment conditions and taxable-default consequences; IRAs cannot offer participant loans."
    ],
    "caveats": [
      "Plan terms govern. No foreign-residence or lease-purchase approval inferred; FAQ says it is general information."
    ]
  },
  {
    "id": "LOC01",
    "title": "Crédito Hipotecario Compra de Vivienda desde el exterior",
    "url": "https://www.bancolombia.com/personas/creditos/vivienda/credito-hipotecario-vivienda-desde-el-exterior",
    "publisher": "Bancolombia",
    "checked": "2026-11-01",
    "claims": [
      "US is an approved residence country; Colombian nationality or the listed Colombian family links enable direct applications.",
      "Overseas housing mortgage with COP/UVR options, 70% non-VIS/80% VIS maxima and 5–20-year terms."
    ],
    "caveats": [
      "Live page read; pricing is informative and set at disbursement.",
      "First-degree-consanguinity wording needs lender clarification; no general all-foreigner access established."
    ]
  },
  {
    "id": "LOC02",
    "title": "Documentación requerida Crédito Hipotecario Colombianos en el Exterior",
    "url": "https://www.bancolombia.com/wcm/connect/www.bancolombia.com-26918/5b668d74-14d2-4708-b754-0174fde174d2/Documentacio%CC%81n%2BRequerida%2BCre%CC%81dito%2BHipotecario%2BColombianos%2Ben%2Bel%2BExterior.pdf?CVID=np9wt57&MOD=AJPERES",
    "publisher": "Bancolombia",
    "checked": "2026-11-01",
    "claims": [
      "Current mortgage page links this PDF; marked overseas requirements include identity, employment certificate, three payroll payments, three bank statements and insurance/risk forms."
    ],
    "caveats": [
      "Live linked PDF read; table contains unmarked rows, which should not be described as mandatory for every borrower."
    ]
  },
  {
    "id": "LOC03",
    "title": "Leasing habitacional no familiar para colombianos en el exterior",
    "url": "https://www.bancolombia.com/personas/creditos/vivienda/leasing-habitacional-desde-exterior",
    "publisher": "Bancolombia",
    "checked": "2026-11-01",
    "claims": [
      "US and specified Colombian nationality/family ties supported; overseas non-family housing lease, up to 80% non-VIS value and 5–20-year terms."
    ],
    "caveats": [
      "Live page read; country-specific minimum income, approval and property conditions apply.",
      "Terms are not evidence of a Tamarindo-equivalent contract."
    ]
  },
  {
    "id": "LOC04",
    "title": "Colombianos en el exterior",
    "url": "https://comunicaciones.davivienda.com/Colombianosenelexterior/",
    "publisher": "Davivienda",
    "checked": "2026-11-01",
    "claims": [
      "US is authorised; stable work, defined migration status, deposit and favourable credit are required; Colombian credit history is unnecessary.",
      "Advertises 70% mortgage, 80% leasing, COP/UVR, with mandatory authorised-broker application."
    ],
    "caveats": [
      "Live page read; Colombian-targeted programme, no general foreign-national access established.",
      "Promotions include undated October references; do not treat promotional discounts as current quotes."
    ]
  },
  {
    "id": "LOC05",
    "title": "Tu Opción México",
    "url": "https://www.bbva.mx/personas/productos/creditos/credito-hipotecario/tu-opcion-en-mexico.html",
    "publisher": "BBVA México",
    "checked": "2026-11-01",
    "claims": [
      "Requires Mexican nationality, documented lawful income, US or Mexico credit history, employment/address continuity and Mexico representative.",
      "US payroll/W2/Tax Transcript or business/bank evidence are specified."
    ],
    "caveats": [
      "Live product page read; approval remains lender-specific.",
      "Contains some legacy process wording; binding offer and current checklist should resolve discrepancies."
    ]
  },
  {
    "id": "LOC06",
    "title": "Folleto Informativo Hipotecario — Tu Opción México, pp. 18–19",
    "url": "https://www.bbva.mx/content/dam/public-web/mexico/documents/personas/creditos/hipotecario/folleto-informativo-hipotecario.pdf",
    "publisher": "BBVA México",
    "checked": "2026-11-01",
    "claims": [
      "Tu Opción México is a fixed-payment MXN mortgage for Mexicans demonstrating income using US bank statements, up to 90% LTV.",
      "Brochure lists 10.70% ordinary fixed interest and separate fees; its offer date runs to 27 December 2026."
    ],
    "caveats": [
      "Live linked PDF read; headline web page also advertises 10.40% for lower LTV.",
      "Ordinary interest is not total cost; quote depends on application."
    ]
  },
  {
    "id": "LOC07",
    "title": "Contrato Tu Opción México",
    "url": "https://www.bbva.mx/content/dam/public-web/mexico/documents/personas/hipotecario/Contrato-tu-opcion-mexico.pdf",
    "publisher": "BBVA México",
    "checked": "2026-11-01",
    "claims": [
      "Model combines purchase and first-ranking local-property mortgage.",
      "Restricted-zone foreign spouse/co-borrower cases can require a property trust; power-of-attorney acceptance requires bank legal validation."
    ],
    "caveats": [
      "Live linked model contract read; not an executed borrower agreement or general ownership-law opinion."
    ]
  },
  {
    "id": "LOC08",
    "title": "Solicitud de crédito hipotecario — documentos y requisitos",
    "url": "https://www.santander.com.mx/personas/credito-y-financiamiento/creditos-hipotecarios/solicitud-de-credito",
    "publisher": "Santander México",
    "checked": "2026-11-01",
    "claims": [
      "General mortgage checklist includes income verification, employment continuity, property eligibility and credit-consultation consent; foreigners must supply local immigration documents."
    ],
    "caveats": [
      "Live page read; this general page does not establish a US-resident diaspora-specific offer.",
      "References to FM2/FM3 warrant current-document confirmation."
    ]
  },
  {
    "id": "LOC09",
    "title": "Informe Financiero 1T 2022, p. 31",
    "url": "https://www.santander.com/content/dam/santander-com/es/documentos/resultados-trimestrales/2022/1t/rt-1t-2022-informe-financiero-es.pdf",
    "publisher": "Banco Santander",
    "checked": "2026-11-01",
    "claims": [
      "Santander reported launching a Mexican mortgage offer for Mexican customers with US-origin income in Q1 2022."
    ],
    "caveats": [
      "Live official historical report read; historical launch alone does not verify November 2026 availability or underwriting terms."
    ]
  },
  {
    "id": "LOC10",
    "title": "Ofrece SHF microfinanciamiento para renovar la vivienda de migrantes mexicanos",
    "url": "https://www.gob.mx/shf/es/articulos/ofrece-shf-microfinanciamiento-para-renovar-la-vivienda-de-migrantes-mexicanos?idiom=es",
    "publisher": "Sociedad Hipotecaria Federal",
    "checked": "2026-11-01",
    "claims": [
      "17 August 2020 announcement describes a Texas migrant renovation pilot through intermediaries, expressly excluding purchase of a house or land."
    ],
    "caveats": [
      "Primary official search-index text obtained; direct page returned 403.",
      "Historical pilot is not verified as an open 2026 national purchase-mortgage programme."
    ]
  },
  {
    "id": "LOC11",
    "title": "Preguntas frecuentes — inclusión financiera",
    "url": "https://www.gob.mx/imme/acciones-y-programas/preguntas-frecuentes-433849",
    "publisher": "Instituto de Mexicanas y Mexicanos en el Exterior",
    "checked": "2026-11-01",
    "claims": [
      "28 August 2026 official FAQ describes US payment of existing Infonavit loans, prior housing savings, and independent-worker voluntary contribution route."
    ],
    "caveats": [
      "Primary official indexed text obtained; direct page returned 403.",
      "Payment access is not universal eligibility for a new loan."
    ]
  },
  {
    "id": "LOC12",
    "title": "Mortgage for Overseas Customers",
    "url": "https://www.cibeg.com/en/personal/mortgages/mortgage-overseas",
    "publisher": "Commercial International Bank Egypt",
    "checked": "2026-11-01",
    "claims": [
      "Published overseas eligibility names Egyptian salaried Overseas Wealth customers living/working in Saudi Arabia or UAE, minimum USD4,000 net income.",
      "Up to EGP15m, 60% property value, 15 years; consular-validated income/bank evidence and property checks apply."
    ],
    "caveats": [
      "Live page read; US residence is not included, so US eligibility is unverified.",
      "EGP loan examples and fixed/floating choices; quote not supplied."
    ]
  },
  {
    "id": "LOC13",
    "title": "Mortgage finance for Egyptian individuals working abroad — Arabic product page",
    "url": "https://www.banquemisr.com/Home/SMEs/Retail%20Banking/Pages/The%20Mortgage%20Loan/Egyptians%20Residing?sc_lang=ar-EG",
    "publisher": "Banque Misr",
    "checked": "2026-11-01",
    "claims": [
      "Egyptian-abroad mortgage, up to EGP5m/80%/180 months, USD5,000-equivalent minimum net monthly income; instalments paid in residence-country currency."
    ],
    "caveats": [
      "Live Arabic page read; English rendering omits important overseas terms.",
      "No explicit US country acceptance or all-foreign-national eligibility; advertised maximum is conditional."
    ]
  },
  {
    "id": "LOC14",
    "title": "Mortgage Guide — Egyptians working abroad",
    "url": "https://www.banquemisr.com/-/media/Mortgage-files/Mortgage-Guide-AM.ashx",
    "publisher": "Banque Misr",
    "checked": "2026-11-01",
    "claims": [
      "Linked guide requires overseas residency/employment history, income-bank evidence, overseas credit information and local property documents.",
      "Guide differentiates 70%/80% financing by income and describes local mortgage/assignment/sale-ban security alternatives."
    ],
    "caveats": [
      "Live linked Arabic PDF read; undated and more granular than headline; bank confirmation needed.",
      "Foreign-currency remittance language does not prove fixed USD principal."
    ]
  },
  {
    "id": "LOC15",
    "title": "Al Ahly Mortgage Finance — Egyptians Abroad",
    "url": "https://www.amf.com.eg/en",
    "publisher": "Al Ahly Mortgage Finance",
    "checked": "2026-11-01",
    "claims": [
      "AMF identifies itself as an NBE subsidiary and advertises ready-property financing for Egyptians wherever they live abroad, up to 80% and 15 years."
    ],
    "caveats": [
      "Live page read; group-company route, not evidence that NBE bank applies identical underwriting.",
      "No US-specific approved-country list or customer quote published."
    ]
  },
  {
    "id": "LOC16",
    "title": "Documents Required for Mortgage at AMF Egypt 2026",
    "url": "https://www.amf.com.eg/en/media-center/blogs-documents-required-for-mortgage",
    "publisher": "Al Ahly Mortgage Finance",
    "checked": "2026-11-01",
    "claims": [
      "Egyptian expatriate checklist includes passport/residency, authenticated employment evidence, 12-month bank history, salary transfers and property legal papers."
    ],
    "caveats": [
      "Live page read; article updated April 2026, not individual approval or final contract."
    ]
  },
  {
    "id": "LOC17",
    "title": "AMF Foreign National Mortgage Solutions",
    "url": "https://www.amf.com.eg/en/media-center/blogs-foreign-national-mortgage",
    "publisher": "Al Ahly Mortgage Finance",
    "checked": "2026-11-01",
    "claims": [
      "Non-Egyptian route requires valid Egyptian legal residency, stable verified income and acceptable property; documented foreign income may be accepted."
    ],
    "caveats": [
      "Live page read; not blanket eligibility for a US resident lacking Egyptian residency.",
      "Article does not establish final loan currency or price."
    ]
  },
  {
    "id": "LOC18",
    "title": "Personal cash-finance application for Egyptians working abroad, guaranteed by salaries",
    "url": "https://www.nbe.com.eg/AssetsManager/7bd59be8-23d2-486f-995a-b82a61ef1195.pdf",
    "publisher": "National Bank of Egypt",
    "checked": "2026-11-01",
    "claims": [
      "NBE-hosted application for Egyptian workers abroad lists house purchase among personal-finance purposes and collects income/employer/obligation details."
    ],
    "caveats": [
      "Live official application read; does not establish a property-secured mortgage or current US country acceptance.",
      "Separate contract retrieval rejected; cached contract terms not used as verified current pricing."
    ]
  },
  {
    "id": "LOC19",
    "title": "Market update — 1 July 2021, Noor",
    "url": "https://www.talaatmoustafa.com/Upload/TMG%20Holding%20market%20update%20-%20July%202021.pdf",
    "publisher": "Talaat Moustafa Group Holding",
    "checked": "2026-11-01",
    "claims": [
      "Official 2021 release documents Noor developer payment plans of 5, 10 and 15 years, demonstrating seller-financing substitution."
    ],
    "caveats": [
      "Live historical PDF read; not current availability, rates, US-resident acceptance or zero-cost credit."
    ]
  },
  {
    "id": "LOC20",
    "title": "Noor Smart City — Capital Gardens",
    "url": "https://talaatmoustafa.com/communities/noor-city-capital-gardens/",
    "publisher": "Talaat Moustafa Group",
    "checked": "2026-11-01",
    "claims": [
      "Current corporate site continues to present Noor as a residential community."
    ],
    "caveats": [
      "Live page read; no current payment schedule or nationality/residence eligibility verified.",
      "Similar-looking reseller domains were excluded."
    ]
  },
  {
    "id": "LOC21",
    "title": "Unidad de valor real (UVR)",
    "url": "https://www.banrep.gov.co/es/glosario/uvr",
    "publisher": "Banco de la República",
    "checked": "2026-11-01",
    "claims": [
      "UVR is an inflation-linked unit of account based on CPI, used for housing credit."
    ],
    "caveats": [
      "Live/indexed official definition; a UVR-plus rate is not a fixed nominal peso or dollar rate."
    ]
  },
  {
    "id": "CB06",
    "title": "Do You Actually Own Your Property in Mexico?",
    "publisher": "MoXi",
    "checked": "2026-11-01",
    "claims": [
      "Guarantee trust with bank fiduciary,title in trust and beneficiary rights for buyer.",
      "Markets vacation,investment and permanent-residence uses."
    ],
    "caveats": [
      "Provider's legal explanation is not independent Mexican legal advice.",
      "Do not treat beneficiary ownership as identical to Tamarindo's retained-title lease."
    ],
    "raw": "raw/crossborder-page-25.json",
    "url": "https://www.globalmortgage.mx/blog/do-you-actually-own-your-property-in-mexico"
  },
  {
    "id": "CB07",
    "title": "Mexico Mortgage Hub",
    "publisher": "Mexico Mortgage Hub",
    "checked": "2026-11-01",
    "claims": [
      "Identifies business as mortgage brokers with financial-institution partners.",
      "Portfolio headline:Mexican residence not required;up to80%LTV;up to30years."
    ],
    "caveats": [
      "Headlines do not apply to every individual product.",
      "Broker network,not evidence of own balance-sheet lending."
    ],
    "raw": "raw/crossborder-page-01.json",
    "url": "https://mexicomortgagehub.com/"
  },
  {
    "id": "CB10",
    "title": "Mexico Mortgage Hub and Global Mortgage Sign Collaboration Agreement",
    "publisher": "Mexico Mortgage Hub",
    "checked": "2026-11-01",
    "claims": [
      "Dated1September2026;links GlobalMortgage toMoXi platform andglobalmortgage.mx.",
      "UScitizens/permanent residents andUS-income buyers identified.",
      "USD/MXN portfolio andFICO,tax-return,income verification described."
    ],
    "caveats": [
      "Partnership marketing is not proof every described route accepts every segment.",
      "Avoid double-counting MoXi distribution as another independent lender."
    ],
    "raw": "raw/crossborder-page-26.json",
    "url": "https://mexicomortgagehub.com/blog/mexico-mortgage-blog-7/mexico-mortgage-hub-and-global-mortgage-sign-collaboration-agreement-to-revolutionize-cross-border-mortgage-lending-483"
  },
  {
    "id": "CB11",
    "title": "International Mortgages",
    "publisher": "HSBC Expat",
    "checked": "2026-11-01",
    "claims": [
      "Introductions tolocalHSBCmortgage teams where personal banking offered.",
      "Particular information/appointment support forUK,US,Australia.",
      "New users needExpataccount;all mortgages subject tostatus/eligibility."
    ],
    "caveats": [
      "Network/referral service,not one universal global mortgage.",
      "NoColombiafinance or generalUS-applicant approval inferred."
    ],
    "raw": "raw/crossborder-page-02.json",
    "url": "https://www.expat.hsbc.com/mortgages/international/"
  },
  {
    "id": "CB18",
    "title": "Guide: Steps to Buying a Home",
    "publisher": "Banco Sabadell",
    "checked": "2026-11-01",
    "claims": [
      "Lists nonresidentmortgage for people livingabroad buyinga secondhomeinSpain.",
      "Describes property/status checks andsale/mortgage deedprocess."
    ],
    "caveats": [
      "US-specific residence eligibility,LTV,term,no-docpolicy andloan currency not verified.",
      "Do not applyresident-mortgage generic80%headline tononresidentcase."
    ],
    "raw": "raw/crossborder-page-12.json",
    "url": "https://www.bancsabadell.com/bsnacional/en/personal/mortgages/guide-steps-buying-a-home/"
  },
  {
    "id": "CB19",
    "title": "Smart Financing, Smarter Living: Invest in Mavila at Quivira",
    "publisher": "Quivira Los Cabos",
    "checked": "2026-11-01",
    "claims": [
      "Directdeveloperfinancing forMavila;USDorMXN;terms upto10years."
    ],
    "caveats": [
      "Undatedadvertising;no completeUSeligibility,credit/documents,LTV,title/defaultorAPRterms.",
      "Inventory-bound offer;not a loan forarbitraryMexicanhomes."
    ],
    "raw": "raw/crossborder-page-21.json",
    "url": "https://www.quiviraloscabos.com/blog/smart-financing-smarter-living-invest-in-mavila-at-quivira"
  },
  {
    "id": "CB20",
    "title": "The Private Residences at Montecristo",
    "publisher": "Quivira Los Cabos",
    "checked": "2026-11-01",
    "claims": [
      "DirectQuivirafinance;USD/MXN;10yearterms;customdownpaymentsandballoons."
    ],
    "caveats": [
      "Undatednumericalratesretainedinraw,butnotusedforcurrentcomparison.",
      "NoUSeligibility,no-docpolicy,mincash,titletermsorAPRverified."
    ],
    "raw": "raw/crossborder-page-22.json",
    "url": "https://www.quiviraloscabos.com/residences/private-montecristo/1000"
  },
  {
    "id": "CB21",
    "title": "ISLA at Gran Pacifica: Live Free Academy",
    "publisher": "Gran Pacifica",
    "checked": "2026-11-01",
    "claims": [
      "Nicaraguacommunity homes/lots;advertisesupto80%financing."
    ],
    "caveats": [
      "No lenderidentity,USeligibility,rate,term,docs,collateral/titleorcurrentavailabilityverified.",
      "Unrelatedhealthclaimsareoutside research scopeandnotendorsed."
    ],
    "raw": "raw/crossborder-page-19.json",
    "url": "https://info.granpacifica.com/learn-about-isla-gran-pacifica-nicaragua/Live-Free-Academy"
  },
  {
    "id": "CB22",
    "title": "Why Gran Pacifica in 2026?",
    "publisher": "ECI Development",
    "checked": "2026-11-01",
    "claims": [
      "Dated30January2026webinar;developer reiterates financingoptions andproperty/rentalmanagement."
    ],
    "caveats": [
      "Developer-levelmarketing;not personalisedfundingcommitment.",
      "No completefinancingcontract oreligibleUSborrowerchecklist."
    ],
    "raw": "raw/crossborder-page-20.json",
    "url": "https://ecidevelopment.com/why-gran-pacifica-2026/"
  }
]