Straightforward Home Financing for Foreigners, in the lush escape of Costa Rica.
Maybe it was the feeling of the Pacific at your feet in Playa Ventanas, watching for humpbacks. Or the peaceful solitude of a rainforest hike. Or just the quiet ease of life on the coast. Whatever you fell in love with—now you can make it last.
Century 21 Ballena Properties is excited to announce a new partnership with Second Street, bringing U.S.-style home financing to Costa Rica, and helping make your dream home a reality.
With access to the kind of financing you’re used to, now a little piece of paradise can belong to you.
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. Finally.
Meet Second Street: The Lender Behind the Change
Second Street is an international mortgage lender providing home financing in Costa Rica for U.S. buyers.
With an experience team of industry experts at the helm, a straightforward, reliable solution that Americans will recognize has finally emerged:
30-Year Fixed-Rate Mortgages: Long-term stability, with predictable payments made in USD.
Transparent Terms: No prepayment penalties, no hidden fees, no surprises.
Concierge Service: Fast, personalized support for an easy financing experience
Make The Most of Your Money
Even buyers who can afford to pay cash can make their money go further by choosing to finance. Why? To make their money work harder—and keep 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 isn’t just good at what they do—they’re the first and only qualified lenders we’ve seen bring U.S.-style mortgages to our market.
It’s not just financing for foreigners: it’s a new standard that’s changing the game. 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 you:
Fast, Streamlined Process: Closings within 45 days or less with familiar, U.S.-style documentation
Shop Confidently: Easily get pre-qualified to understand your budget early
Straightforward Lending: No life insurance requirements, no health exams, and no age discrimination.
They don’t just offer loans—they bring clarity, accountability, and a smooth path forward.
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 is on titled land. Whether you’re relocating, retiring, or investing in your future, you can now 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.
If financing has been holding you back from investing in your dream Costa Rican property, the wait is over.
Together, Century 21 and Second Street make it easy and convenient for Americans to find their place and start their future here.
How to Get Started:
Pre-Qualify with Second Street to understand your budget and financing options—in under 24 hours with no commitment
Talk to a Century 21 Ballena Properties agent to find your home
Let’s find the right home—and the right financing—to make Costa Rica yours.
Still have questions? Learn more by clicking here or reach out to Second Street directly.
