Financing Property in Costa Rica
Options for Local and International Buyers
Owning property in Costa Rica is closer than you think. Whether you’re 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 international home and property buyers, from traditional bank loans and mortgages to private financing solutions and specialized programs for foreign buyers, including US-style mortgages for your Costa Rica property.
Our goal is to make financing clear, accessible, and stress-free so you can focus on finding the right property while we help you secure the right loan.
Financing Options for Every Buyer
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, including:
U.S. –Style Mortgages
Available especially for U.S. Citizens and Permanent Residents in the United States
Private Financing Solutions
Flexible, tailored alternatives suited to a wide variety of buyers and property types.
International Buyer Programs
Options designed to help foreign nationals purchase property in Costa Rica with confidence.
Traditional Bank Mortgages
Ideal for Costa Rican citizens and residents, offering competitive local rates and terms.
Whether you’re buying a primary residence, second home, or investment property, we’ll guide you through the process and help you choose the option that aligns with your goals.
Financing Options for Every Buyer
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, including:
U.S.–Style Mortgages
For U.S. Citizens and Permanent Residents in the United States
Private Financing Solutions
Flexible, tailored alternatives suited to a wide variety of buyers and property types.
International Buyer Programs
Options designed to help foreign nationals purchase property in Costa Rica with confidence.
Traditional Bank Mortgages
Ideal for Costa Rican citizens and residents, offering competitive local rates and terms.
Whether you’re buying a primary residence, second home, or investment property, we’ll 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.
Here’s 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.
This program is available to a wide range of buyers, including:
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 prioritize lending options that are properly registered and operate within the local framework.
Important links for financing in Costa Rica
Explore official and helpful resources for understanding property financing regulations and opportunities:
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.
Start Your Costa Rica Real Estate Journey with Confidence
Financing your dream home or investment property in Costa Rica is simpler than ever. Whether you’re a local buyer, an international investor, or a U.S. citizen looking for a familiar mortgage experience abroad, The Agency Costa Rica is here to guide you.