30-Year Fixed Home Loan

Lock in Long-Term Stability with a Fixed Rate

A 30-year fixed home loan is one of the most secure financing options available for international property. Your interest rate stays the same for the entire life of the loan, which means consistent monthly payments and fewer surprises. Whether you’re investing in a second home, planning for retirement, or building long-term rental income, our 30-year fixed home loan rates offer peace of mind with payments that never change. It’s the most trusted structure in long-term lending, now available for U.S. citizens investing abroad.

30-year amortization

Interest rate stays fixed for the life of the loan

Finance up to 75% Loan to Value (LTV)*

No prepayment penalties

How to Tap Your Equity and Invest in Costa Rica Real Estate with Volo Loans

Built for International Buyers, Backed by U.S. Standards

At Volo Loans, we combine global real estate access with the reliability of U.S.-regulated financing. Our 30-year fixed-rate home loan is designed specifically for Americans purchasing residential property abroad. While local lenders often require lengthy processes or confusing terms, we keep things straightforward.

Loans are funded and serviced in the U.S., guided by proven mortgage standards and handled by experienced loan officers. Most loans close in 30 to 60 days, and every step is supported by clear communication, compliance, and secure infrastructure. You bring the dream—we’ll handle the logistics.

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

I’m a boat captain in Costa Rica and have been here off and on for over 20 years. I’d tried to buy property before but could never make it happen. With Volo Loans, it was finally possible. I was very fortunate to find them. They made it easy and simple, and I was able to purchase a piece of property exactly where I wanted to be. I’m very happy with everything and I recommend them 100%. It’s just an easy way to buy property in Costa Rica.

Jamie E., Volo Customer

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Frequently Asked Questions

What is a 30-year fixed home loan?

It’s a mortgage that offers a fixed interest rate and consistent monthly payments for 30 years. Your rate and payment amount will not change during the loan term.

Can I use this loan for international property?

Yes. Volo Loans provides home loans for U.S. citizens purchasing residential property abroad. Our 30-year fixed option is currently available for properties in Costa Rica and is expanding to other countries.

Are Volo’s loans funded and serviced in the U.S.?

Yes. All loans are managed through U.S.-based systems and adhere to Fannie Mae and Freddie Mac-inspired underwriting standards.

What are current interest rates for 30-year fixed loans?

Rates vary based on your credit profile, property details, and current market conditions. You can get a quote from one of our loan officers by starting the pre-qualification process.

Can I refinance an international property with this loan?

Yes. If you already own a qualifying property overseas, you can refinance with a 30-year fixed home loan to improve your terms or access equity.

Will I be penalized if I pay the loan off early?

No. Volo Loans does not charge prepayment penalties. You can pay off your loan early at any time without extra costs.

Your Global Property Journey Starts Here

Start Pre-Qualification

Start your pre-qualification online. It’s fast, secure, and powered by U.S. lending infrastructure.

+1 (833) 3MY-VOLO

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

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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.