Spanish Mortgages for US Citizens
Get expert-approved financing up to 70% and move into your Spanish property with transparent, hassle free guidance tailored for American buyers
“See how American families cut medical costs while gaining peace of mind.”
98% Client Compliance
30+ Years Experience
Recognized US-SPAIN Experts
Download FREE Complete Mortgage Guide to Buying in Spain
Are you Relocating, Retiring, or Investing?
Start with our free Spanish mortgage assessment:
2-minute tool. Personalized offers. No Credit impact.
The 3 Main Mortgage Hurdles for Americans
Gathering the right US and Spanish documentation
Navigating 70% LTV rules, rate choices, and euro transfers
Avoiding hidden fees, delays and missed legal requirements
MEDIA
WATCH • LISTEN • READ
NATIVES
(video)
Learn more from real people, just like you & experts about moving to Spain.
Mortgages in Spain
Can Americans get mortgages in Spain?
DEEP DIVE
(podcasts)
5-15 minute conversations about Americans living in Spain.
Key Considerations
Tom & Ina talk through the details on the mortgage landscape.
SPAIN MADE SIMPLE
(blogs)
10-15 minute conversations about Americans living in Spain.
Is it Possible?
Yes. The mortgage system is competent and transparent.
THE EXPLAINER
(video)
10-15 minute videos answering your biggest Spain questions.
Mortgage Analysis
Over 100 leading sources, from banks, brokers & portals on mortgages in Spain.
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NATIVES-DEEP DIVE-SPAIN MADE SIMPLE-THE EXPLAINER
Watch • Listen • Read
Everything You Need to Know
Visa and Residency Options
All pathways explained in plain English
Buying and Property in Spain
Step-by-step guides written for Americans
Mortgages for US Citizens
How to secure Spanish financing from abroad
Schools and Education
American & International school options
Healthcare for
Expats
Public vs private: what Americans need to know
Cost of Living & Comparison
How much will Americans save by living in Spain?
Double Tax & Beckham’s Law
Will Beckhams’s law work for you? Paying tax in Spain?
Moving Step-by-
Step
Guiding you from an idea to living the life you want
Resources
Healthcare Setup Quiz
Get matched to ideal coverage before or after arrival
Registration Checklist Download
All steps for public & private system access
Doctor Finder Tool
Locate English-speaking providers in popular regions
Retiree Health Guide
Additional steps for those moving without employment
Visa Page Link
Explain insurance requirements for NLV, Nomad, family visas
Moving, Cost of Living & Education interlinks
Direct referral for family health, school vaccinations, total budget planning.
FAQ Library
Health questions plus links to cost-of-living, schools, moving pages for life-stage coverage.
Frequently Asked Questions
I’m a remote worker - what’s the simplest way to get covered on day one?
Usually a Spanish-approved private policy that meets visa rules, then review later.
We’re retiring in Spain - will we qualify for public healthcare and do we still need private?
Many retirees mix both: public for core coverage, private for speed and English.
We’re moving with kids-are pediatricians, ER care, and vaccinations easy to access?
Yes; most families use nearby public clinics plus private pediatricians in English-speaking centers.
Can I use my US health insurance in Spain?
In most cases, US health insurance is not accepted in Spain, whether you’re visiting or relocating. Spain requires residents and long-term visa applicants to have Spanish private health insurance or be covered under the public system (if eligible).
How do I register for public healthcare?
Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.
Is private insurance required for Americans?
Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.
What does private insurance cost?
Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.
Is Spanish healthcare better that US care?
Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.
Can Americans get dental care in Spain?
Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.
How easy is it to find English-speaking doctors?
Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.
Still Have Questions?
Not finding the answer you need? Our team is here to guide you with visa, tax, and property questions — no pressure, no obligation.