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.

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Financement

Prêts hypothécaires et fiduciaires

Financement Premium

Prêts sur mesure

Deux voies professionnelles pour financer votre prochain projet au Costa Rica.

Recommandé

Prêt hypothécaire

Financement privé adossé à votre propriété, avec procédures juridiques sûres et approbation rapide.

Jusqu'à 50% de la valeur du bien
Durées de 6 mois à 15 ans
USD 1%–1,25% / mois · CRC 1,5%–2% / mois
Hypothèque de premier rang uniquement

Demander des informations

Prêt fiduciaire

Approbation basée sur les garants et la capacité de paiement, sans hypothèque enregistrée.

Sans gage sur la propriété
Démarche rapide
Approbation rapide
Durées flexibles

Demander des informations

Conditions de Financement

HYPOTHÈQUES & FIDUCIES

Financement privé adossé à l'immobilier avec des procédures sûres, rapides et professionnelles.

Taux d'Intérêt

◆USD : 1% à 1,25% par mois.
◆CRC : 1,50% à 2% par mois.
◆Minimum 6 mois.
◆Maximum 15 ans.

Conditions Clés

◆Uniquement sur propriétés avec maison.
◆Maximum 50% de la valeur, hors frais.
◆Premier rang uniquement.
◆Au-delà de 200 000 $, expertise requise.

Zones Couvertes

Vallée Centrale
Guanacaste près des plages
Puntarenas (Centre & Nord)
Limón (aucune)
Zone Sud

Restrictions

Pas de terrains vides
Pas de projets
Pas de financement à 100%
Pas pour acheter

Information Importante

Ces informations nous permettent d'analyser votre dossier.

IMPORTANT — NOUS NE DEMANDONS PAS D'ARGENT À L'AVANCE.

◆

Pour l'étude nous demandons

◆

Photos de la maison.
Distribution : chambres, salles de bains, etc.
Surface construite en m².
Localisation via WhatsApp.
Copie de la pièce d'identité (recto-verso).
Montant demandé.
Utilisation des fonds.
Activité et source de remboursement.
Si Société : extrait Kbis récent.
Pour local commercial : photos et détails.
Indiquer les revenus locatifs.

Demander Information

Notre équipe analysera votre dossier confidentiellement.

Contacter par 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.

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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

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