Financing a Home in Costa Rica: Own Your Dream Home with a Costa Rica Mortgage for Foreigners
Secure Competitive Financing with a U.S.-Based Lender You Can Trust
Buying property in Costa Rica doesn't have to mean paying all cash. At Second Street, we make financing a home in Costa Rica easier with familiar U.S.-style mortgage solutions designed specifically for American and Canadian buyers.
As the leading lender in Costa Rica backed by a publicly listed U.S. mortgage lender, we combine financial strength, streamlined underwriting, and exceptional customer service to help you purchase your dream home with confidence. Whether you're buying a vacation home, retirement property, investment property, or primary residence, our team simplifies getting a mortgage in Costa Rica.
Second Street offers familiar U.S.-style mortgage loans, long-term fixed-rate financing, and technology-enabled lending backed by significant financial resources.
Why Buyers Choose Second Street for Costa Rica Real Estate Financing
- 30-Year Fixed-Rate Mortgages
- Buy with as Little as 25% Down
- Fast Pre-Approvals in as Little as 24 Hours
- No Prepayment Penalties
- U.S.-Style Underwriting Process
- Competitive Costa Rica mortgage rates
- USD Loan Programs
- Financing for Vacation, Investment & Primary Homes
Get Pre-Approved Today
Why Choose Second Street for Financing Property in Costa Rica?
Purchasing real estate abroad should feel exciting—not overwhelming. That's why Second Street has reimagined the lending experience for international buyers looking for reliable Costa Rica real estate financing.
Unlike traditional local lending options, our mortgage programs are built around the expectations of North American buyers. We provide transparent loan terms, predictable monthly payments, and a lending process that's both familiar and efficient.
Our mission is simple: make getting a mortgage in Costa Rica as straightforward as obtaining one in the United States.
What Makes Second Street Different?
Backed by a Publicly Listed U.S. Mortgage Lender
Second Street is the only mortgage lender in Costa Rica backed by a publicly listed U.S. mortgage lender. This gives borrowers confidence in our long-term financial stability and funding capabilities for financing property in Costa Rica.
Designed for Foreign Buyers
Many international buyers assume purchasing property in Costa Rica requires paying cash. Our Costa Rica mortgage for foreigners programs help qualified U.S. citizens, U.S. permanent residents, and Canadian citizens access competitive financing. Eligible borrowers include U.S. citizens, U.S. permanent residents, and Canadian citizens purchasing primary residences, second homes, or investment properties.
Familiar U.S.-Style Mortgage Experience
From application through closing, our process follows the structure North American borrowers know and trust:
- Fixed monthly payments
- Transparent underwriting
- No hidden surprises
- Digital loan processing
- Professional mortgage guidance
Competitive Rates & Flexible Terms
When researching mortgage interest rates in Costa Rica, buyers discover that not every lender offers the same flexibility. Second Street provides:
- 30-Year Fixed-Rate Mortgages
- Competitive costa rica mortgage rates
- No balloon payments
- No adjustable-rate uncertainty
- No prepayment penalties
These features deliver long-term payment stability for financing a home in Costa Rica.
Fast Decisions
Fast Decisions Qualified applicants may receive mortgage pre-approval in as little as 24 hours. The standard process includes pre-approval, home shopping, underwriting, and closing—often completing in 45 days or less.
Why Finance Instead of Paying Cash?
Financing property in Costa Rica offers several advantages:
- Preserve Your Cash — Maintain liquidity for other investments or needs.
- Buy the Property You Really Want — Increase purchasing power for better locations and amenities.
- Keep Your Investment Portfolio Working — Avoid liquidating assets.
- Predictable Monthly Payments — Fixed-rate mortgages provide budgeting stability.
- Save More at Closing — Potential savings on transfer taxes and stamps.
Mortgage Features Designed for International Buyers
Second Street delivers US mortgage for Costa Rica property solutions with the security and predictability you expect from a U.S.-style lending experience.
What You Get with a Second Street Mortgage
- 30-Year Fixed-Rate Mortgage — Stable payments with no rate adjustments.
- Buy with as Little as 25% Down — Finance up to 75% of the property value.
- No Prepayment Penalties — Full flexibility to refinance or pay off early.
- Loans in U.S. Dollars — Avoid currency conversion issues.
- Transparent Lending Process — No hidden fees and clear communication.
- Fast Mortgage Pre-Approvals — Conditional approval in as little as 24 hours.
Who Can Apply?
Eligible Borrowers
- U.S. Citizen
- U.S. Permanent Resident
- Canadian Citizen
Eligible Property Types
- Primary Residences
- Vacation Homes
- Second Homes
- Investment Properties
Loan Purposes
- Purchasing a New Home
- Property Refinancing
- Cash-Out Refinancing
- Financing Qualified Pre-Construction Properties
General Qualification Guidelines
- Good credit history (approximately 720+ FICO Score)
- Stable income
- Minimum loan amount of $150,000
How Getting a Mortgage in Costa Rica Works
Step 1 — Apply Online (1–2 Days)
Step 2 — Receive Your Pre-Approval
Step 3 — Find Your Costa Rica Property
Step 4 — Underwriting & Property Review
Step 5 — Closing & Funding (Many close in 45 days or less)
A Lending Experience Built Around Confidence
Second Street combines financial strength, proven expertise, and modern technology to support Costa Rica real estate financing tailored for foreign buyers.
Ready to Take the Next Step?
Get Pre-Approved Today
Why Homebuyers Trust Second Street
- Financial strength from a publicly listed U.S. mortgage lender
- Programs built for international buyers
- Deep mortgage expertise
- Superior customer experience
Start Your Costa Rica Home Financing Journey Today
With competitive Costa Rica mortgage rates, long-term fixed-rate financing, and expert support,
Ready to Get Started?
Get Pre-Approved in as Little as 24 Hours
Contact Second Street
Speak with our mortgage experts today.
Apply Online • Get Pre-Approved • Buy with Confidence
Frequently Asked Questions
- Can foreigners get a mortgage in Costa Rica? Yes. Qualified U.S. citizens, U.S. permanent residents, and Canadian citizens may be eligible for costa rica mortgage for foreigners through Second Street.
- What is the minimum down payment? As little as 25% down (up to 75% loan-to-value) for qualified borrowers.
- Are your mortgage rates fixed? Yes. All loans feature 30-year fixed costa rica mortgage rates.
- Are there any prepayment penalties? No. You can pay off your mortgage early without penalties.
- How quickly can I get pre-approved? Many qualified applicants receive conditional pre-approval in as little as 24 hours.