Dear Customer,

Owner's finance is currently available for selected properties which are either in our own portfolio or we are an exclusive agent for the sellers and are in full control of the property.

Each property where an owner's finance is available are clearly indicated in the listings.

Please note that we currently provide owner's finance only for finished or nearly finished residential properties.

LTV (Loan to Value) is up to 75%. See below a list of documents we would ask you to provide to make a decision on the financing option.

This is a list of documents needed to apply for Owner's Finance.

1.    Purchase agreement (or earnest money contract. A copy of the proof of funds in escrow will be required later also.

2.    Copy of passport (a copy of all pages of the passport will be necessary as this is a Costa Rican regulation, even if the majority of the pages are blank).

3.    All pages of the last 6 months to date of personal bank statements. If you are a business owner, please provide a copy of business bank statements and personal bank statements.  Please also provide a copy of asset account statements for 6 months as well. 

4.   1 months worth of pay stub copies (wage earner only)

5.   If self employed, a letter from a CPA verifying the last 12 months gross and net income will be required.  This letter must be signed by a CPA on company letterhead.  A CPA letter is normally written after analyzing the total income one earns.

6.   If regular employed, a letter from employer stating time with company, salary and position on official letterhead signed, will be required.