Casa propia — el sueño de cada familia colombiana
The smarter way to your first home

Buying your first home doesn't have to be this hard.

MiTecho prepares Colombian families to get their mortgage approved. We organize your finances, improve your credit profile and guide you until the bank says yes.

4.9/5 rating · +10,000 families · No upfront cost
Familia colombiana revisando documentos financieros para compra de vivienda
Pareja joven recibiendo las llaves de su casa nueva
Skyline urbano moderno de ciudad colombiana
Persona trabajando remoto planificando inversion inmobiliaria
Vista aerea de complejo residencial moderno

Whatever your situation today, we have a path designed for you.

You have debt or work independently —
you can still buy a home

We design a 12 to 18-month plan to repair your credit, organize your finances and walk into the bank fully prepared. No matter where you start today.

🔍
Free credit & income diagnosis
📈
12-18 month credit improvement plan
🏠
Personalized mortgage simulator
🏗️
Access to VIS and VIP programs
🤖
AI advisor available 24/7
0+
Families Advised
0%
Achieve Their Goal
$0M+
In Properties
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Partner Banks

Buying a home in Colombia
shouldn't be this hard

Thousands of families abandon their dream every year. These are the most common obstacles.

Only 12% succeed alone

Buying a home without professional advice is a recipe for failure. Most abandon the process halfway.

88% abandon the process

Unclaimed subsidies

Thousands of Colombians qualify for housing subsidies and never know it. Government money left on the table.

$50M COP left on the table

Confusing banks

Comparing rates manually across 12+ banks is chaotic. A small rate difference can cost you millions.

3-5% difference = $20M+ extra

Everything you need to
buy your home

Smart tools that guide you every step of the way toward homeownership.

AI Financial Advisor

Your personal 24/7 advisor that analyzes your finances, creates personalized savings plans, and guides you step by step toward your housing goal.

Smart Search

Find properties that match your budget, preferences, and ideal location with our AI-powered search engine.

Mortgage Calculator

Simulate your mortgage with real rates from Bancolombia, Davivienda, BBVA, and more. Compare options and find the best monthly payment.

Savings Tracker

Monitor your savings progress with clear goals, smart reminders, and tips to accelerate your path to the down payment.

Price Predictions

Machine learning algorithms that analyze Colombian real estate market trends to predict property appreciation by area.

Subsidy Checker

Discover which subsidies are active in 2026: FRECH and Compensation Funds. Mi Casa Ya is suspended for new beneficiaries. We guide you to the best available options.

4 steps to your dream home

A simple and clear process to achieve your dream of homeownership.

1

Define Your Goal

Tell us about your financial situation, ideal home type, and preferred area in Colombia.

2

Create Your Plan

Our AI generates a personalized financial plan with monthly savings goals and mortgage options.

3

Save & Monitor

Track your progress in real time, receive alerts and tips to stay on the right path.

4

Find Your Home

When you are ready, we connect you with the best housing options that fit your budget.

Housing Viability
Calculator

Discover in 4 steps how much you can afford, if you qualify for subsidies, and when you can buy.

1
2
3
4
$ 3.000.000
$ 1.000.000$ 15.000.000
$ 0
$ 0$ 5.000.000
$ 1.500.000
$ 500.000$ 8.000.000

The government can help you buy your home

Active subsidies and coverage in 2026

Mi Casa Ya was suspended for new beneficiaries in 2026. However, FRECH and Compensation Fund subsidies remain active. We help you take advantage of all available benefits.

  • Income under 4 SMMLV — You can receive a down payment subsidy
  • First home purchase — Requirement for housing subsidies
  • No active mortgage — You cannot have another active housing loan
  • VIS or VIP housing — The property value must be within legal limits
Check Your Eligibility

Available Programs

Mi Casa Ya

Suspended for new beneficiaries in 2026. Resources were redirected to home improvement and potable water projects. It may return in 2027 depending on government budget.

Suspended 2026

FRECH (Rate Coverage)

Interest rate reduction during the first 7 years of the loan. Can lower your monthly payment by up to 30%.

-30% on your payment

Compensation Fund Subsidy

Complementary subsidy through your family compensation fund (Cafam, Colsubsidio, Compensar, etc.).

Complementary

Semillero de Propietarios

Savings + rental program that lets you live in your home while saving for the down payment.

Save + Rent

Find the perfect plan for you:
Your personalized path to real estate success

5 membership plans covering the full spectrum of buyers in Colombia. The savings generated far exceed your membership cost.

MonthlyAnnual

PATH

For informal workers or those with credit reports

$ 39.900/month
  • 12-18 month credit repair plan
  • Personalized financial diagnosis
  • Basic savings missions
  • Access to Victoria AI coach
  • Alternative routes (cooperatives, leasing)
Get Started
Most Popular

STARTER

For formal employees seeking VIS housing with subsidies

$ 49.900/month
  • Instant pre-qualification via WhatsApp
  • Automatic subsidy identifier
  • Mortgage loan comparator
  • Allied real estate support
  • Average savings: $8 million
Choose Plan

BUILDER

For investors with second property

$ 129.900/month
  • Everything in Starter plan
  • Valuation analysis by zones
  • Tax strategy (AFC accounts)
  • Access to exclusive pre-sales
  • Target ROI: 12% annual
Choose Plan

GLOBAL

For remote workers and international freelancers

$ 149.900/month
  • USD income structuring
  • Tax optimization
  • Exchange rate strategy
  • 100% remote management
  • Tax savings: $5M+/year
Choose Plan

EMPIRE

For investors with 3+ properties

$ 399.900/month
  • Everything in Global plan
  • Complete portfolio dashboard
  • Passive rental management
  • Real-time investment alerts
  • ROI: 8-14% annual guaranteed
Choose Plan

Guides and tools
for buyers

Download our free guides, templates, and checklists to prepare better.

Guide

First-Time Home Buyer Guide

Template

12-Month Savings Plan Template

Checklist

Subsidy Eligibility Checklist

Guide

Mortgage Comparison Guide

Checklist

Credit Document Checklist

Families who already achieved
their dream

Real stories from Colombians who bought their first home with MiTecho.co

“We had been saving for 3 years without a clear plan. With MiTecho.co we created a real financial plan and in 14 months we achieved the down payment. They also helped us discover we qualified for Mi Casa Ya.”
Carolina & Miguel
Apartment in Envigado, Antioquia
“The calculator opened my eyes. I thought buying a home was impossible with my salary, but MiTecho.co showed me options in areas with good appreciation that were within my budget. Today I own my home.”
Andres Ramirez
House in Cajica, Cundinamarca
“The Premium plan was worth every peso. My advisor helped with all the paperwork, negotiated the rate with Davivienda, and accompanied me until the deed signing. An incredible service, 100% recommended.”
Laura Perez
Apartment in Barranquilla, Atlantico

Latest Blog Articles

Expert tips, practical guides, and Colombian real estate market analysis to help you make informed decisions.

Take The First Step Toward
Your Dream Home

Join over 10,000 Colombian families already planning their future with artificial intelligence. Start free today.

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