30-Year Fixed Loans for U.S. & Canadian Buyers
Stable, long-term financing secured by Costa Rican real estate.
Why Choose This Loan
This 30-year fixed loan offers long-term financial security with fully amortized payments—no balloon terms, no variable rates. It’s ideal for U.S. and Canadian buyers seeking a mortgage-style solution for Costa Rican property, whether for retirement, rental income, or second homes. With predictable terms and no prepayment penalty, you get the freedom to plan ahead without surprises.
Key Advantages
- Rates as low as 8.9% (fixed)
- No prepayment penalties — pay off anytime
- Up to 60% cash-out available
- Ideal for second homes, rentals, or retirement properties
- Fully legal closing in Costa Rica or the U.S.
Our 30-year fixed loan structure is built for long-term stability, with fully amortized monthly payments and no surprise balloon terms. With rates starting at just 8.9% and up to 60% cash-out available, qualified borrowers can access affordable, predictable financing backed by Costa Rican real estate. Whether you’re buying a second home, planning for retirement, or investing abroad, this loan gives you the structure and confidence of a traditional mortgage.
📅 Terms
30-Year Amortization
💼 Eligibility
U.S. & Canadian residents with verifiable income
💰 Cash-Out
Up to 60% of property value
📉 Rates
As low as 8.9% (fixed)
🏦 Minimum Loan
$200,000 USD
🚫 No Prepayment Penalty
Pay off early with no fees
Private Loans
Access fast, flexible loans using Costa Rican property as collateral. Ideal for expats and owners who need an alternative to strict bank financing.
30-Year Fixed Loan
Earn stable, long-term returns through secured loans backed by Costa Rican real estate. Reliable income and strong legal protection for investors.
Investor Opportunities
Invest in first-lien loans secured by property in Costa Rica. Enjoy passive income with 12–18% returns and a risk-managed lending structure.