Secure and Efficient Financing Tailored for Costa Rica Property Buyers
At Volo Loans, we simplify the international home loan financing process. We know investing in Costa Rica’s property market is an exciting journey, but it can feel complicated. That’s exactly why we’ve created a transparent and efficient lending experience for U.S. citizens, making it easy for you to purchase your dream home, vacation property, or real estate investment abroad. Our U.S.-regulated home loans close in 30-60 days, not the usual 8-12 months.
30
Close in 30-60 days – Significantly faster than local lenders.
$17
$17M+ Funded to date – Proven experience in international lending.
$100
$100K Minimum Loan – Flexible options tailored to your financial goals.
Our Transparent Financing Process
Get Pre-Approved in Minutes
Pre-approval with Volo Loans is straightforward and fast. Our licensed U.S.-based loan experts will assess your financial standing, clearly outline how much you can qualify for & position you confidently when negotiating your property purchase.
Gather Necessary Documents
We simplify international home loan documentation, clearly defining exactly what you’ll need:
- Valid U.S. passport or state-issued ID
- Recent U.S. credit report
- Proof of income (tax returns, pay stubs, bank statements)
- Evidence of reserves (6-month reserves*)
- Signed property purchase agreement (if applicable)
*This will vary based on loan amounts/monthly payment amounts
Property Appraisal You Can Trust
We coordinate an independent, transparent appraisal process aligned with U.S. mortgage standards. This ensures your Costa Rican property is accurately valued, giving you and us peace of mind as you move forward.
Close & Celebrate
Forget lengthy delays. We can finalize your international home loan within 30 to 60 days on average, once all documents are approved. All loan servicing with Volo Loans is managed securely in the U.S.
Clear, Simple Application Requirements
At Volo Loans, we make getting an international home loan simple with straightforward & easy to understand lending requirements. Here’s exactly what you’ll need to qualify with us.
- Income: >45% debt-to income ratio
- Reserves: 6 month reserves requirement
- Creditworthiness: 680 minimum FICO
- Citizenship: U.S. citizen or permanent resident
- Documents: Clear verification of all financial information and identification listed above
Frequently Asked Questions
What documents do I need to apply for a home loan in Costa Rica?
You’ll need a valid U.S. passport or government-issued ID, your latest U.S. credit report, proof of income (like pay stubs, tax returns, or bank statements), and documentation showing at least 6 months reserves. If you’ve already chosen a property, send us the signed purchase agreement as well. Our team guides you through each step clearly, making your application simple and straightforward.
How quickly can Volo Loans close my international home loan?
At Volo Loans, we typically close your loan within just 30-60 days, which is much faster than local lenders, who can take 8-12 months. Our streamlined, U.S.-regulated process saves you time by simplifying documents, appraisals, and approvals. You’ll get regular updates from us, keeping your home financing experience transparent and predictable from pre-approval to closing.
Do U.S. laws regulate international home loans from Volo Loans?
Yes. All Volo Loans mortgages follow strict U.S. lending and mortgage regulations. We fund, service, and oversee every loan entirely from within the United States, providing you the secure, reliable protection you expect. Our commitment to U.S. compliance standards ensures your financial interests are always safe.
What criteria must I meet to finance a property in Costa Rica with Volo Loans?
You’ll qualify for financing with Volo Loans if you have more than a 45% debt-to-income ratio, have at least 6 months reserves, maintain a strong U.S. score (680 minimum FICO), and can clearly document your financial standing. You must also be a U.S. citizen or permanent resident. We keep these requirements clear, eliminating uncertainty from the very start.
Do I need Costa Rican credit history or citizenship to apply for a loan?
No, you don’t need Costa Rican credit history, residency, or citizenship to secure financing through Volo Loans. We base your eligibility exclusively on your U.S. financial profile, credit history, and assets.
Can I use my U.S. bank account to manage my international home loan?
Absolutely, international home loans with Volo Loans are fully serviced through U.S. banks, so you can manage your loan payments directly from your U.S. bank account.
Ready to Begin Your Costa Rica Property Journey?
Choosing Volo Loans means choosing clarity, speed, and security. Our team of expert U.S.-licensed loan officers specializes in international financing for U.S. citizens buying a home abroad while offering personalized professional guidance at every stage. Together, let’s make your dream home in Costa Rica a reality.
