Do buyers in Costa Rica pay cash?

Cash is common because the file is simpler. Financing is also possible. This page is education, not a loan offer.

No. Adam connects. He does not originate or underwrite the loan. He can introduce lenders that already work with foreign buyers. You choose the lender.

Buy in Costa Rica

Financing a Costa Rica home

Many buyers pay cash. If you need a loan, about 25–30% down and a lender that works with foreign buyers is often the path. Adam is the realtor — not the bank.

Financing Costa Rica real estate does not always mean wiring the full price. Cash is common. Financing is also possible. This is a plain outline of how that usually works for buyers coming from outside Costa Rica — written for people shopping homes around $200,000 and up. It is education, not a loan offer. Adam will get you in touch with the right people.

How it usually looks

Many buyers close in cash because the file is simpler. When a loan makes more sense, the pattern Adam sees most often is about 25–30% down, with a product written for non-residents. Rates, terms, and approval belong to the lender. Confirm the number with them — and with your attorney — before you treat it as real.

Lenders that work with foreign buyers

Adam can introduce you to lenders that already work with foreign buyers. Examples he names: Volo Loans, Second Street, and Lafise Bank. Those are shops that take this kind of file — not an endorsement of a rate, a product, or a particular deal. You choose the lender. Adam does not originate or underwrite the loan.

Adam connects. He is not the lender.

On an intro call, Adam can tell you whether financing is even in play for the kind of home you want, then make an introduction if it is. He stays on the real estate side: the shortlist, the offer, diligence, and closing. The lender owns credit, the down payment, and the note.

Who this outline is for

This is for buyers — people shopping Guanacaste homes, often arriving from the US or Canada, typically from about $200,000 up. If cash is cleaner for you, say so. If you want to keep more liquidity and use a loan, say that too. Either path is fine. The first call is where you sort which one you are.

Written for people shopping homes. It is education, not a loan offer. Adam will get you in touch with the right people.

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Questions buyers ask

Do buyers in Costa Rica pay cash?: Cash is common because the file is simpler. Financing is also possible. This page is education, not a loan offer.
What down payment is typical for a foreign buyer?: The pattern Adam sees most often is about 25–30% down, with a product written for non-residents. Rates, terms, and approval belong to the lender. Confirm the number with them — and with your attorney — before you treat it as real.
Is Adam the lender?: No. Adam connects. He does not originate or underwrite the loan. He can introduce lenders that already work with foreign buyers. You choose the lender.
Who is this outline for?: Buyers shopping Guanacaste homes, often arriving from the US or Canada, typically from about $200,000 up.
What if I would rather pay cash?: Either path is fine. If cash is cleaner for you, say so. If you want to keep more liquidity and use a loan, say that too. The first call is where you sort which one you are.

Free 30-min intro call

Talk through financing on a call

A free 30-min intro call. Say whether you are cash or loan. If a lender intro is useful, Adam will make it — then stay on the house.

Talk with Adam