Can I get financing if I’m not a resident?
The answer is yes. There are several ways to finance a property, although the process may differ from what you’re used to in your home country. Here’s a general overview to help you get started:

Financing Through Local Banks
Some banks in Costa Rica offer mortgage loans to foreigners. To qualify, you must present documentation proving your financial capacity and the legal origin of your funds.
While the process can be more formal and slower than in some other countries, it is a secure and legally supported option.

Owner Financing
In many areas of the country—especially in tourist regions—it’s common to find properties where the seller offers direct financing.
These agreements tend to be more flexible and are negotiated on a case-by-case basis, making them an attractive option for those looking to avoid bank procedures.

Developer Financing
Some residential and real estate developments offer internal payment plans for buyers, including foreigners.
This can greatly simplify the buying process, especially if you're purchasing pre-construction or within a new complex.

Financing from Your Home Country
Another alternative is to secure financing through your local bank or lender and use those funds to purchase property in Costa Rica.
This may be a more familiar route if you already have an established credit history or relationship with your home financial institution.

Important Considerations
Before applying for financing, make sure the property has access to basic services such as water and electricity. These are essential for obtaining construction or renovation permits and may also be required by your lender.
It is also highly recommended to work with a trusted local attorney who can guide you through the legal process and ensure everything is done securely and transparently.

Ready to invest in Costa Rica?
Whether you’re looking for a home to live in, a rental property, or land with potential, there are financing options available—even if you’re a foreigner.
If you’re considering investing in Costa Rica, our team can help you find the right property and explore financing solutions tailored to your profile.