You don’t want a closing process that drags on. At Costa Vero Capital, we ensure a smooth and efficient experience—closing your loan in 45 days or less from start to finish.
At Costa Vero Capital, our rates are based on U.S. indexes, ensuring transparency, stability, and competitive financing for your Costa Rican property.
At Costa Vero Capital, we partner with regulated U.S. financial institutions, follow U.S. lending models, and ensure full local compliance—giving you a secure and seamless financing experience.
Our team at Costa Vero Capital consists of licensed loan officers with extensive experience in lending, ensuring expert guidance and a seamless financing process for you.
Financing in Costa Rica is often cash-intensive, expensive, and slow—but not with Costa Vero Capital.
We offer lending solutions for non Costa Rican citizens, funded and serviced in Costa Rica or the U.S. with U.S. dollars, ensuring a seamless and secure process.
Our loan programs are designed to meet both Costa Rican and U.S. requirements, providing you with a reliable and efficient financing solution for your dream property.
Every borrower’s financial situation is unique, and so is every loan. At Costa Vera Capital, we strive to provide the most accurate and tailored loan options possible. To do this, we ask a few essential questions about your property and credit profile. These details help us determine the best loan solutions available to meet your needs.
At Costa Vera Capital, we are committed to a smooth and efficient loan closing process. On average, it takes about 45 days to close a loan, depending on the complexity of the transaction and required documentation. Our team works diligently to ensure a timely and hassle-free experience.
Yes! All of our loan products are offered with a 30-year amortization schedule to keep your monthly payments low and manageable. Plus, with a structured payoff in up to 10 years, you have the flexibility to refinance, sell, or settle the balance in a way that best suits your financial goals.
Costa Vera Capital is committed to providing equal lending opportunities to all applicants and strictly prohibits discrimination or harassment of any kind. We do not discriminate based on race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.
*The displayed interest rate represents a base rate for an adjustable-rate loan and does not reflect any adjustments based on credit score, fees, borrower details, or property information. For adjustable-rate loans, the initial interest rate remains fixed for the first seven years, depending on the program selected. After this period, the rate will adjust semiannually based on an interest rate index plus a margin. The index used is the SOFR Index, calculated as the 180-day average provided by the Federal Reserve Bank of New York. The latest index figure available 45 days before each adjustment date is known as the “Current Index,” as published in the Federal Reserve Statistical Release, Form H.15 (519). If this index becomes unavailable, Costa Vera Capital will select a comparable replacement.
Fixed-rate loan products maintain a constant interest rate for the loan’s full term, typically 30 years. The index for fixed-rate loans is based on the Primary Mortgage Market Survey® 30-Year FRM US Weekly Average, as published by Freddie Mac. All loan terms, rates, and conditions are subject to change without notice. Information is provided “as is,” without warranties of any kind.
Loan offers are based on the provided borrower and property details and may change following final appraisal and purchase offer evaluation. Your actual monthly payment may vary. Rates and offers are time-sensitive and subject to change without prior notice. Interest rates are determined based on credit history, loan-to-value ratio, and loan term. If an escrow account is required or requested, the monthly payment will also include escrow payments. Additional restrictions may apply. All loans are subject to credit approval, underwriting review, and property eligibility requirements. Loan availability may vary by state, and approval is not guaranteed for all applicants. This is not a commitment to lend. Terms, conditions, and loan programs are subject to change at any time.
U.S. Patriot Act Disclosure: To help combat the funding of terrorism and money laundering, federal law requires all financial institutions to obtain, verify, and record identifying information from each customer.
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