Unlock Your Destination Dream Home—Sooner

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U.S.-based home loans for Costa Rica real estate.

Close in as little as 30 days with trusted financing for Costa Rica real estate. Volo Loans delivers fast, secure U.S.-based home loans—ideal for vacation homes, second residences, and investment properties.

Vacation Home Buyers

For Expats

Property Investors

Financing tailored for international buyers, backed by U.S. compliance, and trusted where it matters most.

Hand shake icon highlighting 30–60 day closing timeline - faster than local Costa Rica lenders with Volo Loans’ U.S.-based process

30–60 Day Closings

Lightning-fast compared to local lenders. You’ll spend less time waiting and more time enjoying your new property abroad.

U.S. Credit Approval

No Costa Rican credit history required. We make qualifying simple—even if you’ve never financed property outside the U.S.

Global icon with location pin - trusted by Americans and expats securing Costa Rica home loans through a U.S.-based lender

U.S.-Based Compliance

Loans funded and serviced entirely in the U.S. Your loan stays within a secure, familiar regulatory system from start to finish.

Globe icon representing cross-border compliance - Volo Loans offers U.S.-regulated financing for buying property in Costa Rica

Internationally Trusted

Our U.S.-regulated approach, combined with Costa Rica-specific expertise, makes us the reliable choice for international home loans.

Costa Rica

Premier Destination

Fast, U.S.-Backed Financing for Your Home in Costa Rica

Get a Costa Rica home loan in as little as 30 days—with no local credit needed. Secure U.S.-based lending and close with confidence.

Explore Costa Rica Home Loans View Refinancing Options

National Theatre of Costa Rica in downtown San José is the cultural heart of the capital and a landmark for Americans exploring Costa Rica home loans

Aerial view of colorful coastal homes in a laid-back Costa Rican beach town destination for Americans seeking a Costa Rica mortgage

Homebuyers reviewing documents with a loan advisor - part of Volo Loans’ streamlined process for securing U.S.-based home loans in Costa Rica

Our Process

Get Pre-Approved
Submit your application online in minutes—no foreign credit needed.

Find Your Home
Explore with confidence equipped with a Volo Loans pre-approval.

Go Under Contract
We’ll help you handle cross-border compliance, title, and documentation.

See Our Process

Financing properties in Costa Rica was a real challenge for me. Volo changed that. Their process was easy and professional, and the underwriting felt just like what I’m used to in the States. I was able to cash out my first property and reinvest in another. I’m now on my third deal with them and growing my vacation rental business there.

Kenny N., Volo Customer

Your Global Property Journey Starts Here

Start Pre-Qualification

We make it easy to buy property abroad—starting with Costa Rica, expanding worldwide. Pre-qualify today and unlock expert guidance, U.S. compliance, and fast closings across borders.

+1 (833) 3MY-VOLO

155 N 400 W STE 170
Salt Lake City, UT 84103

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NMLS #2459494. For licensing information please visit nmlsconsumeraccess.org.

Volo Loans provides equal lending opportunities to all applicants and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

*The displayed interest rate reflects a base rate for an adjustable rate loan and does not include any rate or pricing adjustments based on credit score, fees, borrower, or property information. The adjustable rate offer has the initial interest rate is fixed for the first seven years of the loan, depending on which program you select. After the initial fixed rate period, the interest rate charged will be based on an interest rate index plus a margin. The index is the SOFR Index and is the 180 day average provided by the Federal Reserve Bank of New York. The most recent Index figure available as of the date 45 days before each Change Date is called the “Current Index.” Information about this index is published in the Federal Reserve Statistical Release, Form H.15 (519). Information about this index is announced weekly by the Federal Reserve Board. After the initial fixed rate period, the applicable interest rate and payment amount under this adjustable rate loan will be adjusted semiannually, based on movements of the index. The fixed loan product has a fixed rate for the lifetime of the loan, 30 years. The index is the Primary Mortgage Market Survey@ 30-Yr FRM US Weekly Average published and made available by Freddie Mac. All content is subject to change without notice. All content is provided on an “as is” basis, with no warranties of any kind whatsoever. If either index ceases to be made available, we will choose a new index which is based upon comparable information.

The displayed offer will be calculated based on provided information and will be subject to change upon the final appraisal and purchase offer. Your actual monthly payment may be higher. All rates and offers are offered for a limited time and subject to change without notice. Rates are based on an evaluation of credit history, loan-to-value, and loan term , so your rate may differ. If an escrow account is required, or requested, the actual monthly payment will also include monthly escrow payments. Other restrictions may apply. All loans are subject to credit, underwriting and property approval guidelines. Offered loan products may vary by state. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. Terms, conditions, and programs are subject to change without notice.

U.S Patriot Act Disclosure: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies every customer.