Straightforward Home Financing for Americans in Paradise
Whether it’s the beaches and warm ocean currents, the lush rainforests exploding with wildlife, or the vibrant, welcoming communities—Costa Rica offers something for everyone.
Century 21 Pura Vida is excited to announce a new partnership with Second Street, bringing U.S.-style home financing to Costa Rica.
Securing your dream property with Century 21 has never been easier, with the type of mortgage kind of mortgage U.S. buyers recognize and trust.
Clearing the Path for U.S. Buyers
Costa Rica’s natural beauty and incredible lifestyle draw people in, but limited and complex home financing options have historically held many buyers back. Foreign buyers were left to navigate an unfamiliar system at high expense, often needing to take on private loans with sky-high interest rates or liquidate their assets.
This is where Century 21’s partnership with Second Street is a game changer. No more unnecessary costs, complexities, or concerns. Americans can finally access 30-year, fixed-rate mortgages—just like they can back home.
Meet the Lender: Second Street
Second Street is an international lender providing mortgages to Americans buying or refinancing homes in Costa Rica.
With a team of industry experts behind it, a straightforward, reliable solution that Americans will recognize has finally emerged:
- 30-Year Fixed-Rate Mortgages: Long-term stability with payments made in USD.
- Transparent Terms: No prepayment penalties or hidden fees. Refinance at any time.
- Concierge Service: Fast, personalized support for a seamless financing experience.
More Than Just A Mortgage
Even cash-ready buyers make their money go further by choosing to finance. How? By keeping their money working harder, and keeping their options open.
- Increase Your Buying Power: Use financing as leverage to get the home you want, without overextending yourself.
- Stay Flexible: Keep your cash ready for anything–whether it’s saving, investing, or even renovations!
- Tax Benefits: Interest paid on mortgages is deductible, per standard U.S. guidelines. (Consult a tax advisor for more information)
Why Second Street?
Second Street’s team isn’t just good at what they do—they’re the first and only qualified lenders we’ve seen bring American-style mortgages to our market.
It’s a game-changer for foreign buyers: it’s a new standard for international financing. No more unreliable alternatives. Second Street delivers the kind of solution American buyers have long expected. Backed by institutional capital, it’s dependable—and here to stay.
Here’s what that means for buyers:
- 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
- Simple and Sensible Lending: No life insurance requirements, no health exams, and no age discrimination.
It’s not just loans—it’s clarity, accountability, and a seamless experience for our clients.
Who Can Qualify for a Costa Rica Mortgage?
U.S. citizens and permanent residents can qualify for a loan almost anywhere in Costa Rica, as long as the home is fully-completed and sits on titled land. Whether you’re relocating, retiring, or investing in your future, you can now be eligible to finance:
- Primary Residences
- Second Homes
- Investment Properties
If you’ve already purchased a home, you may be able to refinance. It’s an excellent solution for anyone finishing up construction, looking to shift away from high-interest short-term loans, or take cash out of their property.
Let’s Move Forward
The wait for financing is over. Finally, it’s easier than ever to find your place in paradise and afford it.
Ready to Get Started?
- Pre-Qualify with Second Street to understand your budget and financing options: it’s quick, easy, and requires no commitment
- Connect with a Century 21 Pura Vida agent and find you next home
Bring the convenience of the U.S. to the tranquility of Costa Rica.
Still have questions? Learn more by clicking here or reach out to Second Street directly.
