Home Loan Solutions for U.S. Buyers Investing Abroad

Where it All Begins

Costa Rica

Our flagship market is Costa Rica, and we know it inside out. As a U.S. Lender registered with the National Mortgage Licensing System, we offer insight into title law, financing regulations, and what it really takes to close with confidence. We’ve built a full resource hub for U.S. citizens interested in buying, building, or refinancing in Costa Rica.

Learn About Costa Rica Home Loans

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For Vacation Home Buyers & Relocation Seekers

Purchase a Home

Buying a home abroad can feel complicated. We simplify it. Our loan options for U.S. buyers offer competitive rates, fast approvals, and closing timelines you can actually plan around. Choose from 30-year fixed, 5/6 ARM, and 7/6 ARM loan options. Whether you’re eyeing a mountain escape or a beachside condo, we’ll help you close in as little as 30–60 days, with zero local credit history required.

See How It Works

For Pre-Retirees & Existing Homeowners

Refinance

Already own a property in Costa Rica? Our refinancing solutions make it easy to lower your rate, access home equity, or move to a more stable long-term option. Ideal for U.S. Citizens who already own real estate in Costa Rica and want to take more control of their financial picture before the next chapter begins.

Explore Refinancing Options

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For Property Investors

Expand Your Portfolio

When you’re ready to go global with your real estate strategy, we’re here to back you. Volo Loans supports U.S.-based investors with international financing that’s flexible, reliable, and built for long-term value.

Our Approach

We don’t just fund international loans—we make them feel familiar.

Our U.S.-licensed loan officers guide you every step of the way with clarity, speed, and real human support. You’ll always know what’s next, what’s needed, and who’s on your side.

U.S.-regulated loans, backed by Fannie/Freddie guidelines

Expert guidance from loan officers with international experience

Close in 30–60 days, not 8–12 months

See Our Process

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Why Choose Volo Loans

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.

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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.

More About Volo

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.

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