Looking for a expat home loan for a property in Costa Rica? We have partnered with a Costa Rican lender that makes this possible for US citizens (Canadians coming soon). If you are interested in mortgage on Costa Rica property for purchase of a home, let’s chat!
The terms below are as of August 2025 and are subject to change at any time. The info below is provided as a starting point and it is important to note that mortgage terms can vary from the terms shown below depending on conditions and individual circumstances.
Loan Term | Up to 30 Years, fully amortized |
Available to | US Citizens and US Legal Residents |
Loan-to-Value | 70% (30% down) |
Interest rate | 8.75% (fixed) |
Pre-payment penalty | NONE |
Loan application fee | $1500 |
Loan initiation fee | Approximately 3% of final loan amount |
Property appraisal | Price varies, but around $500-$1000 |
Documentation Salaried Employee | 2 mos paystubs, 2 mos bank statements, 2 years tax returns, 2 credit reports from home country |
Documentation Self Employed | 6 mos corporate & personal bank statements, 3 years tax returns and 2 credit reports from home country |
Retired | Statements for existing investment & retirement accounts with "income credit" given for account values |