Financing

Simple, Secure, and Tailored for International Buyers

Financing a home in Costa Rica is now easier than ever. Whether you’re from the U.S., Canada, or abroad, Terra Azul Real Estate helps clients explore the best options — from international mortgage programs to creative local financing solutions.

For qualified U.S. buyers, our partnership with Second Street provides access to traditional 30-year fixed-rate mortgages, just like back home, with competitive terms, quick approvals, and full legal compliance in both countries. For others, we work closely with local attorneys, developers, and private lenders to explore financing structures that make ownership possible and secure.

Whether you’re purchasing your dream home, refinancing, or investing in a rental property, we’ll guide you through every step with clarity and confidence.

Why Financing in Costa Rica Is Different, and Easier Than You Think

Most Costa Rican banks require residency and short loan terms. But international buyers now have access to flexible, foreign-friendly lending programs designed for property purchases here.

With Terra Azul and Second Street, qualified buyers enjoy:

• Fixed, long-term rates, no currency risk or balloon payments
• Financing for titled, completed homes and condos
• Full legal due diligence to ensure the property is lending-eligible
• Streamlined approval and closing, often within 4–6 weeks

For non-U.S. clients, alternative options may include:

• Developer financing (with flexible payment milestones)
• Private or bridge loans through trusted lending partners
• Equity-based purchases using assets or income abroad

Pre-Infrastructure Pricing Available: Lock in a premium ridgeline lot or completed home now, before infrastructure pricing adjusts to full retail levels.

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Pre-Qualify in 24 Hours