Costa Rica Mortgage FAQ
The clarity to move forward.
Practical answers for international buyers and investors considering a private mortgage or real estate loan in Costa Rica.
01Can foreigners obtain a mortgage in Costa Rica?+
Yes. Foreigners can own titled property and may qualify for private, asset-backed financing. We evaluate the property, equity contribution, repayment strategy, and transaction—not just a local credit score.
02What types of property do you finance?+
We focus on three categories: finished homes, select titled land, and select residential construction projects. Home mortgages are our primary lending product.
03How much can I borrow?+
Loan size depends on property value, location, liquidity, and the full transaction. Private loans are generally structured with a meaningful borrower equity position; your initial review will include an indicative range.
04How long does approval take?+
A preliminary decision is often possible within a few business days after receiving a complete scenario. Closing timing depends on appraisal, legal due diligence, title review, and documentation.
05Do I need Costa Rican residency?+
No. Residency is not required for consideration. We routinely structure loans for international buyers and investors using clear cross-border documentation.
06Are there prepayment options?+
Yes. Terms vary by program, and any minimum-interest period or prepayment provision is disclosed clearly before you proceed.
Still have questions?