What is a private mortgage loan in Costa Rica?

A private mortgage loan is credit issued by private investors — not banks — where the borrower's property serves as collateral. It allows faster financing with fewer requirements than traditional banks, ideal for those who need liquidity without long bank processes.

What percentage of my property's value can I finance (LTV)?

We lend up to 50% of the commercial value of the property, minus formalization costs. This loan-to-value limit protects both lender and borrower and enables better rates.

What are the interest rates for mortgage loans?

Rates are 1% to 1.25% per month in US dollars and 1.5% to 2% per month in colones. Rates depend on amount, term, property location and borrower profile.

What is the minimum and maximum loan term?

Minimum term is 6 months and maximum is 15 years. You can choose the term that best fits your cash flow and use of funds.

What documents do I need to apply?

We require: copy of ID (both sides), photos of the property (exterior and interior), WhatsApp location, house layout, square meters, requested amount, intended use of funds and a description of your economic activity to evaluate the source of repayment.

How long does loan approval take?

Once all documents are received, pre-approval takes 24 to 72 hours. Final disbursement happens after notarial formalization, typically 7 to 15 business days.

Can you lend on vacant lots or land without construction?

No. We only lend on properties with an existing house or construction. We do not finance vacant lots, projects under construction or developments.

Which areas of Costa Rica do you serve?

We operate in the Central Valley, Guanacaste near beaches and Puntarenas (Central and North). We do not lend in Limón or the Southern Zone.

What is the minimum and maximum loan amount?

There is no strict minimum, but we generally work with meaningful amounts in USD or CRC. For loans above USD 200,000 we require an independent professional appraisal.

Are loans only on first-rank mortgages?

Yes — we only lend in first-rank mortgage position, meaning the property must have no prior mortgages with other creditors at the time of disbursement.

What can I use the loan funds for?

Funds may be used for working capital, business expansion, debt consolidation, investment opportunities, property improvements, real estate acquisition, medical or educational expenses, among other productive uses.

Do you charge any money upfront to process the loan?

No. We never request money upfront to process, analyze or approve a loan. The only costs are notarial fees and formalization expenses, paid at the time of signing the mortgage.

Can I prepay the loan before maturity?

Yes — full or partial early repayment is allowed. Specific conditions are set out in the contract based on the term and loan amount.

Do I need a good credit history to qualify?

Credit history is not the determining factor. We focus on the property value, source of repayment and case viability, allowing us to approve borrowers traditional banks decline.

Can a corporation apply for the loan?

Yes. If the property is owned by a corporation, we require recent corporate certification, ID of the legal representative and additional corporate documentation.

What happens if I cannot pay the loan?

We recommend contacting us before falling behind. We always seek refinancing or restructuring solutions. In an extreme case, the mortgage guarantee allows recovery of capital through due legal process.

Do you offer loans to foreigners with property in Costa Rica?

Yes. Foreigners with property registered in their name or in the name of a Costa Rican corporation can apply by meeting the same requirements.

Financing

Mortgage and Trust loans

Premium Financing

Loans tailored to you

Two professional pathways to finance your next project in Costa Rica, with secure legal processes and fast approvals.

Recommended

Mortgage-Backed Loan

Private property-backed financing with secure legal processes and fast approval.

Up to 50% of property value
Terms from 6 months to 15 years
USD 1%–1.25% monthly · CRC 1.5%–2% monthly
First-rank lien only

Request information

Trust-Based Loan

Approval based on guarantors and ability to pay, without a registered mortgage on the property.

No lien on the property
Quick process
Fast approval
Flexible terms

Request information

Financing Conditions

MORTGAGES & TRUSTS

Private property-backed financing with secure, fast and professional processes.

Interest Rates

◆USD: 1% to 1.25% interest per month.
◆CRC: 1.50% to 2% interest per month.
◆Minimum 6 months.
◆Maximum 15 years.

Key Conditions

◆We only lend on properties with a house.
◆Maximum 50% LTV, less formalization costs.
◆First-rank lien only.
◆Loans over $200,000 require an appraisal.

Areas We Cover

Central Valley
Guanacaste near beaches
Puntarenas (Central & North)
Limón (none)
Southern Zone

Restrictions

No vacant lots
No development projects
No 100% financing
Not for purchases

Important Notice

This information helps us analyze your case and determine whether we can help with a loan on your property.

IMPORTANT — WE DO NOT ASK FOR MONEY UPFRONT.

◆

For Review We Require

◆

Photos of the house (rooms, living room, dining, kitchen, street view, etc.).
House layout: number of bedrooms, bathrooms, etc.
Construction area (m²) within the property.
Location shared via WhatsApp.
Copy of ID (both sides) as property owner.
Indicate the amount requested.
Indicate what the funds are for.
Indicate your occupation and source of funds to repay the loan.
If owned by a Company, recent corporate certification.
For commercial buildings: photos and layout details, number of offices, etc.
Indicate rental income from offices/units and detail the activity.

Request Information Now

Our team will review your case confidentially and professionally.

Contact via WhatsApp

Calculator

Mortgage Financing Calculator

Estimate your property-backed loan in Costa Rica. Results are indicative only.

Mortgage Financing Calculator

Currency

Property value ($)

Requested loan amount ($)

$10,000 – $100,000,000

Monthly rate: 1.25%

The interest rate may vary depending on the final assessment of the collateral and the case review.

Loan-to-Value (LTV)

40.0%

Within approvable range (≤ 50%).

Estimated monthly interest

$1,250

Origination fee (10%)− $10,000

Net amount disbursed$90,000

Deducted from principal at disbursement. You receive the net amount, but interest is calculated on the gross loan amount. Closing costs may vary depending on the final analysis and agreement.

Estimated annual interest

$15,000

Results are estimates only and do not constitute a binding offer. Final terms depend on appraisal, documentation and case review.

Request a personalized review

Use Cases

What you can use your loan for

Flexible financing solutions for every type of need.

Capital for business expansion

Finance new locations, inventory or staff without waiting for bank approval.

Debt consolidation

Combine cards and loans into a single payment with better terms.

Investment opportunities

Seize time-sensitive opportunities with immediate liquidity.

Property improvements

Remodel, expand or build to increase the value of your asset.

Working capital

Cover operating cycles, payroll or suppliers with flexibility.

Cash flow management

Stabilize the cash flow of your company or personal business.

Real estate acquisition

Use your property's equity to acquire new real estate.

Discuss my case

Frequently Asked Questions

Mortgage Loans in Costa Rica

Everything you need to know about our private property-backed loans in Costa Rica.

Learn About Mortgage Financing

Guides and articles about mortgage loans, private financing and financial education in Costa Rica.

Mortgage Loans

What is a mortgage loan and how does it work?

Learn the definition, process and advantages of property-backed loans in Costa Rica.

Property Financing

LTV: how the Loan-to-Value of your loan is calculated

Learn what LTV is, why it matters, and how it affects the maximum amount you can request.

Private Lending

Private loan vs traditional bank: key differences

Compare speed, flexibility, requirements and costs between private lenders and banks.

Mortgage Loans

Documents required for a mortgage loan

Complete list of documents needed to speed up your loan approval.

Real Estate Financing

How to invest in Costa Rica real estate with leverage

Strategies to use mortgage loans as a real estate investment tool.

Financial Education

Financial education: responsible debt management

Best practices for using credit as a growth tool, not a dependency.

Talk to a specialist

Back to home

Contáctanos por WhatsApp