01
Confidential introduction
Tell us about the opportunity
Share the property, purchase price, requested loan, timeline, and your intended repayment plan.
How a Costa Rica Mortgage Works
A direct path from inquiry to funding.
Every Costa Rica loan is different. Our private mortgage process is designed to feel clear, responsive, and well managed for international buyers.
02
Initial review
Get an indicative structure
We review the scenario and, when it fits, outline a preliminary range, term, and documentation needs.
03
Underwriting
Complete diligence
Independent valuation, title and legal review, entity documents, source-of-funds, and project review where applicable.
04
Closing
Finalize and close
Once approved, counsel prepares the loan and security documents. We coordinate a clear path to closing and funding.
Southern Pacific expertise
Local property. Clear process.
Prepare with confidence
Helpful documents to have ready.
01Passport or entity documents02Purchase agreement or property details03Proof of funds / equity04Income or liquidity overview05Project budget and plans, if applicable06Proposed exit or repayment strategy