Enjoy Costa Rican living with the convenience of an American mortgage.
Costa Rica offers a lifestyle unlike any other—and now, the experience of buying a home can be just as exceptional.
Costa Rica Sotheby’s International Realty is proud to partner with Second Street, an international mortgage lender connecting foreign buyers with U.S.-style home financing.
Luxury Living in Costa Rica, Simplified.
In the past, financing a home as a foreigner in Costa Rica was nearly impossible. Our clients had to pay in cash, sacrificing flexibility and tying up capital that could have been put to work more strategically elsewhere.
Today, there’s a better way: Second Street offers 30-year, fixed-rate mortgages that let you invest with confidence—without compromise. International homebuying has never been simpler, or smarter.
Costa Rica offers a lifestyle unlike any other—and now, the experience of buying a home can be just as exceptional.
Costa Rica Sotheby’s International Realty Costa Rica is proud to partner with Second Street, an international mortgage lender connecting foreign buyers with U.S.-style home financing.
Introducing Second Street
Second Street provides financing to Americans buying or refinancing homes in Costa Rica.
With nearly a century of combined experience in real estate, investing, and the Costa Rican property market, the team provides a safe and streamlined mortgage process.
- 30-Year Fixed-Rate Mortgages: Predictable, long-term payments made in U.S. dollars.
- Transparent Terms: No prepayment penalties or hidden fees—refinance at any time.
- Concierge Service: Personalized support for a fast and seamless financing experience.
The result is a familiar, transparent process that gives our clients peace of mind.
Smart Reasons to Finance—Even When You Don’t Need To
Even clients who can afford to pay in cash often choose to finance—because it’s a smart way to make their money go further.
- Greater Buying Power: Leverage financing to get the home you really want, without tying up capital.
- Financial Flexibility: Keep more cash on hand to invest, save, or renovate.
- Tax Incentives: Mortgage interest is deductible under the same rules as a standard U.S. mortgage.
Did you know? Even Mark Zuckerberg, Beyoncé, and Adele have mortgages.
Why We Recommend Second Street
Second Street is the first and only lender we’ve seen offer the kind of financing Americans expect—reliable, transparent, and built to last.
They’re not just filling a gap; they’re redefining financing for international buyers. In a space that has long lacked structure and credibility, Second Street brings institutional backing and a solution shaped by a clear understanding of the challenges foreign buyers face.
Second Street is setting a higher standard:
- Fast, Streamlined Process: Closings within 45 days or less with familiar, U.S.-style documentation.
- Shop with Confidence: Easily get pre-qualified to understand your budget early and shop with confidence.
- Straightforward Lending: No invasive health exams, no age discrimination, and no life insurance requirements.
Through our partnership with Second Street, our clients receive trusted lending support that reflects the high standards we bring to every transaction.
Who Can Qualify for a Mortgage in Costa Rica?
If you’re a U.S. citizen or permanent resident, you may be eligible to finance a completed home on titled land anywhere in Costa Rica—whether you’re relocating, retiring, or investing.
Eligible property types include:
- Full-Time Residences
- Second Homes
- Investment Properties
If you’ve already purchased a home, you may also be eligible to refinance, which is ideal for reducing costs, replacing a private loan, or freeing up cash for future plans.
Make Your Move
Whether you’re searching for an eco-friendly jungle escape or an oceanfront retreat, your next home is closer than ever.
Costa Rica Sotheby’s International Realty and Second Street are trusted to provide our clients with world-class service, deep local knowledge, and tailored solutions.
Getting started is easy:
Together, we’re making it simpler than ever for Americans to own, invest, and feel at home in Costa Rica.
Have questions? Click here to learn more or get in touch with Second Street.
