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?

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