INFONAVIT Foreclosure Homes 2026: Requirements & How to Bid

INFONAVIT remates (foreclosure sales) are one of the least-known and most interesting ways to buy a home at an affordable price. These are houses the Institute has recovered and offers to the public, often below their market value. In this 2026 guide we explain what they are, how to participate, what requirements apply and, above all, what you need to watch out for to make a smart purchase.

What are INFONAVIT remates?

Remates are homes that the Institute has recovered, generally because of missed payments on previous loans, and puts back on the market. These properties are offered through official platforms and usually carry attractive prices to encourage a quick sale.

It is important to distinguish them from new homes: many remates are used houses that may need maintenance or additional regularization paperwork. Even so, for an informed buyer they represent real opportunities to save money.

Why are remates cheaper?

The Institute's goal is not to profit from these properties but to recover them and return them to the market. That is why they are usually offered at a discount compared with their market value. The main reasons are:

• The Institute wants to sell quickly and recover funds.
• Some homes need repairs or maintenance.
• There may be pending eviction or regularization procedures.
• Locations vary, and some are in higher demand than others.

Requirements to participate

A big advantage of remates is that, depending on the program, they may be open both to INFONAVIT members (derechohabientes) and to the general public. Typical requirements include:

• Valid official ID.
• Proof of ability to pay or of financing (a loan or your own funds).
• Registration on the official remates platform.
• Compliance with the specific terms of each property or auction.

If you are an INFONAVIT member and want to use your loan to buy a remate, check that the home is eligible for financing and read our guide to homes that accept INFONAVIT loans.

How to participate step by step

1. Go to the Institute's official remates platform.
2. Browse the catalog and filter by state, city and price.
3. Review each property's listing: condition, terms and bidding rules.
4. If possible, inspect the home in person and check its occupancy status.
5. Register and follow the bidding or purchase procedure set out in the terms.
6. Finalize the transaction and complete the deed (escrituración) process.

Risks and what to watch out for

A well-chosen remate can be an excellent investment, but a poorly researched one can turn into a problem. Take the time to verify every detail before committing.

Frequently asked questions

Can I buy a remate with my INFONAVIT loan?

In many cases, yes, as long as the home is eligible for financing and meets the requirements. Check the specific conditions of each property.

Are remates open to the general public?

It depends on the program. Some allow anyone with the ability to pay to participate, not just INFONAVIT members.

What happens if the house is occupied?

This is a critical point. Before buying, confirm the occupancy situation and who will be responsible for the eviction process, since it can take time.

Are they really cheaper?

They are usually offered below market value, but you should compare prices and factor in possible repair or regularization costs before concluding it's a bargain.