Frequently Asked Questions

Yes. Foreigners have owned homes here for decades. Depending on the section, you either purchase a membership — owning your home plus exclusive, renewable use of the land — or own the land outright through a fideicomiso (bank trust). It's the standard, legal way foreigners own property in coastal Mexico.

Yes. Both the membership model and the fideicomiso are long-established, government-recognized ways for foreigners to own in Mexico's Restricted Zone. Loma del Mar has operated this way since the 1970s.

In the Estates Section, the land is held in your name through a fideicomiso bank trust. In the original area, you own your home and improvements and hold exclusive, renewable use of the land through your membership. Our team explains exactly what you would hold for any specific property before you buy.

Yes. Both memberships and fideicomiso trusts can be passed on to your heirs.

No. Loma del Mar is an owner-occupied community — renting out a home, whether weekly, monthly, or yearly, is not permitted. Homes are for owners and their guests.

Yes, pets are welcome. Dogs are required to be on a leash in the common areas.

Yes — owners improve their homes all the time. Changes such as solar, shade structures, tree work, or landscaping follow the community's bylaws, so you check with the SCTC office first. They are happy to help you plan it.

Loma del Mar is a quiet, community-oriented park that is especially popular with retirees and snowbirds who value security, friendship, and a slower pace.

Beyond the purchase price, owners pay SCTC dues that cover security, maintenance, and the amenities, plus their own utilities. The exact amount depends on the property, and we'll give you the specific figures for any home you're considering.

Yes, a one-time transfer fee applies at purchase. It varies with the size of the property — some homes sit on one lot, others on a lot and a half or two — and we'll tell you the exact amount before you commit.

For many of our owners, the whole point is being able to retire comfortably and securely on a budget that wouldn't stretch as far back home. The cost of living in San Carlos is well below most US and Canadian markets.

Homes have water, electricity, propane, and trash service. Utilities are billed to members through the SCTC.

Yes. Cell coverage and internet are available in San Carlos, and many residents use Starlink for fast, reliable service at home.

San Carlos has pharmacies and clinics, with hospitals in neighboring Guaymas and the larger city of Hermosillo. Many members also keep their home-country coverage and cross the border for care when they prefer.

San Carlos is a long-established resort town that has been popular with American and Canadian retirees for generations. Loma del Mar itself is a gated community with its own security staff hired by the SCTC.

Expect warm, dry winters — the reason snowbirds love it — and hot summers. The regional storm season runs roughly from summer into early fall.

Most people drive down through Nogales — about four hours — or fly into Hermosillo. Our Travel guide covers the border crossings, the Sonora free zone, tolls, and what to expect on the drive.

Yes. There are some rules about vehicle permits and what you can bring, and our Travel guide walks through the essentials. Loma del Mar also has lots set up with RV and 5th-wheel hookups.

Absolutely. You're welcome to visit in person, or we'll set up a video walkthrough so you can see the community from wherever you are.