Guides/Financing
Finance Your Property in Costa Rica
Safely, transparently, and on your terms.
Owning property in Costa Rica is closer than you think. Whether you are a Costa Rican citizen, a permanent resident, or an international buyer, we help clients navigate the financing landscape to find the solution that best fits their needs. Through our network of trusted partners, The Agency Costa Rica offers a full range of financing options for local and international home and property buyers.
Financing Options
Every buyer's situation is unique, and so are the financing paths available. We work with clients from around the world to identify the best fit for their goals and circumstances.
U.S.-Style Mortgages
For U.S. Citizens and Permanent Residents
30-year fixed-rate mortgages in U.S. dollars, processed from your U.S. bank account. Familiar structure, no hidden fees.
Private Financing Solutions
Flexible, tailored alternatives
Suited to a wide variety of buyers and property types. Terms are negotiated directly and can accommodate non-traditional financial profiles.
International Buyer Programs
Designed for foreign nationals
Options designed to help foreign nationals purchase property in Costa Rica with confidence, regardless of their country of origin.
Traditional Bank Mortgages
For Costa Rican citizens and residents
Competitive local rates and terms through Costa Rica's established banking institutions. Ideal for buyers with local residency and credit history.
Whether you are buying a primary residence, second home, or investment property, we will guide you through the process and help you choose the option that aligns with your goals.
U.S.-Style Mortgages for U.S. Citizens and Permanent Residents
For buyers from the United States, we offer a specialized financing solution that combines the structure and familiarity of a U.S. mortgage with the flexibility required to purchase property in Costa Rica. This unique program brings together the best of both worlds, making it easier than ever to invest abroad without navigating unfamiliar lending processes.
What makes this financing different
30-Year Fixed-Rate Mortgages — Predictable, long-term stability you can count on.
Borrow in U.S. Dollars — Straightforward payments with no currency complications.
No Hidden Fees or Prepayment Penalties — Transparent terms with no surprises.
U.S.-Based Payment Processing — Make monthly payments directly from your U.S. bank account with autopay.
U.S. Mortgage Tax Benefits Apply — Mortgage interest deductions work just as they would on a U.S. property.
No Life Insurance or Medical Exams Required — A streamlined approval process without unnecessary barriers.
Many buyers also save up to 2.5% of their home's purchase price at closing by eliminating transfer taxes and stamps.
This program is available to:
- U.S. Citizens
- U.S. Permanent Residents
Even self-employed individuals and entrepreneurs can qualify thanks to flexible underwriting standards designed to accommodate a variety of financial profiles.
Important: all local lenders operate under SUGEF, Costa Rica's financial supervisory authority. The Agency pays special attention to prioritizing lending options that are properly registered and operate within the local framework.
What You Can Finance
Whether your goal is lifestyle, investment, or both, financing can help you make it happen.
Purchase a New Property
Primary home, vacation retreat, or investment opportunity.
Refinance an Existing Property
Improve your terms or lower your interest rate.
Cash-Out Refinance
Unlock equity to reinvest or fund other projects.
Eligible property types:
- Primary residences
- Second Homes
- Investment Properties
Frequently Asked Questions about Financing Property in Costa Rica
Can foreigners get financing to buy property in Costa Rica?
Yes. Foreign buyers have access to several financing options, including U.S.-style mortgages, local banks, private financing, and international buyer programs. Requirements vary depending on the type of financing and the buyer's profile.
What is a U.S.-style mortgage for a property in Costa Rica?
It is a financing product designed for U.S. citizens and permanent residents who want to buy property in Costa Rica with the familiar structure of a U.S. mortgage: 30-year fixed rate, payments in U.S. dollars from a U.S. bank account, no prepayment penalties, and applicable U.S. tax benefits.
What types of properties can be financed in Costa Rica?
Primary residences, second homes, and investment properties can all be financed. Options include purchasing a new property, refinancing an existing property, and cash-out refinancing.
How long does the closing process take with financing in Costa Rica?
With the support of The Agency Costa Rica and our financing partners, the closing process typically completes in 45 days or less. Timelines may vary depending on the type of financing and the complexity of the transaction.
Can self-employed individuals qualify for financing in Costa Rica?
Yes. The U.S.-style mortgage programs available through The Agency Costa Rica feature flexible underwriting standards that allow self-employed individuals and entrepreneurs to qualify, provided they meet the financial profile requirements.
Important Links for Financing in Costa Rica
Explore official and helpful resources for understanding property financing regulations and opportunities in Costa Rica.
Costa Rica Home & Property Financing Updates
How Financing Is Changing the Game for Real Estate Clients in Costa Rica
A New Era for U.S. Buyers in Costa Rica: Access to 30-Year Fixed Mortgages Through Second Street
Financing your Luxury Home in Costa Rica with BCT
Our commitment
A Concierge-Level Experience, Start to Finish
From your first consultation to closing day, The Agency Costa Rica provides personalized, concierge-level support at every step. Our team works closely with you and our trusted lending partners to ensure a smooth, transparent process, often closing in 45 days or less.
With our deep local expertise and global reach, we make financing property in Costa Rica not only possible, but seamless.
