Home Financing in Costa Rica: Mortgages for Americans

Financing a home as a foreigner in Costa Rica

Published

Punta Uva Realty
Puerto Viejo, Costa Rica

In the past, financing a home as a foreigner in Costa Rica was nearly impossible. Despite wanting to finance, foreigners had to pay the full amount in cash.

Now, there is finally financing for foreigners through Second Street, an international mortgage lender offering 30-year, fixed-rate mortgages, with backing from a major US mortgage lender.

Second Street provides financing to Americans buying or refinancing homes in Costa Rica.

  • 30-Year Fixed-Rate Mortgages: U.S.-style mortgages with predictable payments made in USD. Only 30% down payment required.
  • Transparent Terms: No prepayment penalties or hidden fees.
  • Concierge Service: Knowledgeable & experienced team. Closes loans in 45 days or less.

Who Can Qualify for a Mortgage in Costa Rica?

If you’re a U.S. citizen or permanent resident, you may be eligible to finance or refinance a completed home on titled land anywhere in Costa Rica. The required qualifications are similar to those for a standard U.S. mortgage.

Eligible property types include: primary residence, second homes, and investment properties.

It’s important that you check with Second Street directly to see if you qualify.

Ready to Get Started?

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