Finance Your Slice of Paradise — U.S. Buyers Welcome in Costa Rica
Buying property in Costa Rica is more attainable than ever. Volo Loans offers fast, reliable U.S.-based financing designed exclusively for Americans investing abroad, whether you’re purchasing a vacation home, retiring under the palms, or expanding your real estate portfolio. Our Costa Rica home loans use your U.S. credit and income, with no need for foreign bank accounts or unfamiliar systems. Close in just 30–60 days with Costa Rica property financing from Volo Loans — fast, reliable home loans made easy.
Max Loan-to-Value
We offer financing up to 75% of the lesser of the purchase price or appraised value, using your U.S. credit profile to evaluate risk. This lets you preserve cash while securing your Costa Rica home. Our approach mirrors U.S. underwriting standards, giving you clarity, control, and confidence throughout the loan process.
Interest Rates
Volo Loans offers competitive interest rates tied to U.S. indexes, not volatile Costa Rican benchmarks. That means stable, predictable costs aligned with your financial history. Rates are based on factors including: credit score, loan-to-value, and debt-to-income ratios, ensuring a better value than most local financing options.
Loan Terms (up to 30 years)
Our loan options include 30-year fixed-rate mortgages and 5/6 ARMs or 7/6 ARMs with fixed introductory periods and adjustments every six months thereafter. Whether you want long-term stability or lower initial payments, our terms are built to support your goals as a U.S. buyer abroad.
Property Types Financed
We provide financing for a wide range of residential property types in Costa Rica, including vacation homes, investment properties, condos, and single-family homes. As a U.S. Lender registered with the National Mortgage Licensing System, we combine the safety of a U.S. mortgage with the flexibility international buyers need.
How Costa Rica Home Loans Work for U.S. Buyers
Get Pre-Approved
Submit your application online in minutes—no foreign credit needed.
Submit your application online in minutes—no foreign credit needed.
Find Your Home
Explore with confidence equipped with a Volo Loans pre-approval.
Explore with confidence equipped with a Volo Loans pre-approval.
Go Under Contract
We guide you through cross-border compliance, title work, and closing logistics.
We guide you through cross-border compliance, title work, and closing logistics.
Eligibility & Requirements
US Citizenship or Residency
Volo Loans is built exclusively for U.S. citizens and legal residents looking to purchase real estate in Costa Rica. To qualify, you’ll need a valid U.S. passport or government-issued ID and proof of residency if applicable. We do not accept applications from non-U.S. borrowers at this time. Because all loans are issued and serviced in the United States, your identity and documentation must meet U.S. regulatory standards, giving you a trusted and familiar experience every step of the way.
Minimum Credit Score
We use your U.S.-based credit history to determine eligibility, with no Costa Rican credit record needed. To qualify, applicants must have a minimum FICO score of 680. This helps ensure that loans are structured responsibly and reflect your financial credibility. Our process mirrors conventional underwriting in the U.S., giving you peace of mind and a smoother path to approval, even when buying internationally. If you’re unsure of your score, we recommend checking with a credit bureau before applying.
Proof of Income
To move forward with a Costa Rica home loan, you’ll need to demonstrate stable income. We typically require two years of tax returns, recent W-2’s or 1099’s, current pay stubs AND bank two months of bank statements. This documentation helps us evaluate your ability to repay the loan under U.S. standards. Whether you’re a salaried employee, self-employed, or retired, our team can help clarify which forms of income qualify and how to present them effectively for a smooth approval process.
Down Payment Percentage
All loans require a minimum down payment of 25% of the lesser of the purchase price or appraised value. This helps reduce financial risk on both sides and reflects standard practices for international real estate lending. Your down payment can come from U.S. liquid assets such as savings, investment accounts, or sale proceeds. We do not require funds to be held in Costa Rica.
Costa Rica Market Insights
Frequently Asked Questions
Can Americans own property in Costa Rica?
Yes, Americans can legally own property in Costa Rica and enjoy the same property rights as Costa Rican citizens. There are no restrictions on foreign ownership for titled property, and you don’t need to be a resident to buy. That said, financing through local institutions can be complicated for U.S. buyers, which is why many turn to U.S.-regulated lenders like Volo Loans for a more secure, familiar path to ownership.
Do I need Costa Rican credit to qualify for a home loan?
No, you don’t need Costa Rican credit or a local bank account. Volo Loans evaluates your application using your U.S. credit profile and income, just like a traditional lender in the United States. Since our loans are issued and serviced in the U.S., we follow familiar guidelines, removing one of the biggest hurdles for Americans buying in Costa Rica.
What kind of properties can I finance with a Costa Rica home loan?
Volo Loans offers financing for a variety of residential properties, including vacation homes, single-family homes, condos, and undeveloped lots intended for future construction. Whether you’re eyeing a beachfront retreat or a mountain escape, we can help you finance your dream with confidence and clarity.
How long does it take to close on a home loan in Costa Rica?
With Volo Loans, most buyers close in 30 to 60 days, a significant improvement over the typical 8–12 months required by local financing options. Our streamlined process leverages U.S. underwriting standards and digital tools to keep your loan on track, even across borders.
What are the interest rates like for Costa Rica home loans?
Interest rates for Volo Loans are based on U.S. indexes, not Costa Rican bank rates, which often makes them more competitive. Because we’re a U.S.-regulated lender, your loan terms are clear, your rates are stable, and your experience is transparent from day one. For the latest rate info, start a quick pre-qualification and speak to a licensed loan officer.
What documents do I need to apply for a Costa Rica home loan?
To get started, you’ll typically need:
- A valid U.S. passport or ID
- Recent tax returns or proof of income
- A current credit report
- Proof of liquid assets for your down payment
Our online application walks you through it step by step; no guesswork, no surprises.
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
Your Global Property Journey Starts Here
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.
