RE/MAX & Second Street Offer U.S.-Style Financing in Costa Rica

Home financing in Costa Rica just got easier for American buyers.

If you’ve ever pictured yourself living steps from the surf or owning a stylish beach condo in Jaco, your opportunity is now within reach. This lively beach town has long attracted international buyers—but until now, financing options have held many back. Thanks to a new partnership between RE/MAX Oceanside Realty and Second Street—a U.S.-based international mortgage lender—financing a home here now feels familiar, reliable, and within reach. This collaboration bridges a long-standing gap by offering a Costa Rica mortgage for U.S. buyers, making it easier than ever to purchase property with the kind of loan structure you already know and trust.

Let’s explore how this partnership is unlocking Costa Rica’s beach towns—like Jaco—with more opportunity, access, and ease than ever before.

Solving the Financing Gap for American Buyers

For years, buying property in Costa Rica came with one major challenge: limited financing options for foreigners. Many American buyers were left with no choice but to pay in cash, cash out investments, or rely on expensive private loans. Traditional local banks were often difficult to navigate and slow to respond—leaving many dreams on hold

Now, that’s changing.

RE/MAX Oceanside Realty has partnered with Second Street to offer a solution that finally makes sense. Qualified U.S. buyers can now access 30-year, fixed-rate mortgages in U.S. dollars. These loans are structured just like the ones back home. For the first time, we’re offering the stability and familiarity you need to buy with peace of mind.

With this new financing option, the dream of owning a home in Costa Rica—especially in popular beach towns like Jaco—no longer requires full upfront capital or risky workarounds. Instead, you can move forward with confidence, knowing the process has been built for you.

About Second Street

Second Street is a U.S.-based mortgage originator focused on helping Americans finance property in Costa Rica. Their mission is simple: make international home loans feel just like buying back home.

Through this partnership with us, Second Street is opening the door to smarter, easier financing options across the country. That includes beach towns like Jaco, where demand is growing and opportunities are always rising.

Quick Facts: Why Second Street Works for U.S. Buyers

• 30-Year, Fixed Rates: Predictable payments, just like in the U.S.
• Transparent Terms: No prepayment penalties or hidden fees—refinance at any time
• U.S. Dollar Loans: Avoid currency exchange risks
• Fair Lending Practices: Equal opportunity lender—no health exams or age discrimination
• Streamlined Process: U.S.-style documentation and closing expectations
• Concierge Service: Personalized support for a smooth, guided experience

A Word from the Founder

“Great borrowers deserve great lending options, no matter where life takes them. I started Second Street to make international home ownership an attainable reality. With our deep experience and local knowledge, we’re here to help open your world.“
Zachary Kay — Founder & CEO, Second Street

What Financing Unlocks

Financing in Costa Rica is no longer a roadblock—it’s a powerful tool. For U.S.-buyers mortgages are now available, buyers can keep more cash on hand while increasing their buying power.

• Greater Buying Power: Finance your home without tying up capital
• Increased Financial Flexibility: Keep more cash on hand to invest, save, or renovate
• Tax Benefits: Mortgage interest may be deductible in the U.S. (consult a tax advisor)

Whether you’re buying a vacation home in Jaco or expanding your portfolio, this loan option makes it easier—and smarter—to buy in Costa Rica.

A Costa Rica morgage A Win-Win-Win for Buyers, Sellers, and Agents

This partnership allows our RE/MAX agents to offer a faster and smoother experience for you! This will make it more rapid for all buyers and sellers. It helps agents close faster and gives sellers access to a larger pool of ready, qualified buyers.

• More Qualified U.S. Buyers: Financing brings more serious clients into the market
• Faster Closings: Buyers can act quickly and confidently, without needing to liquidate assets
• Efficient and Reliable Lending: You’ll never be waiting on Second Street, they move quickly and stand behind their loans

With more American buyers able to finance their purchase, sellers benefit from shorter time on market and stronger offers. And for U.S. buyers, financing through Second Street means more options, more confidence, and fewer financial compromises.

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 building your investment portfolio, you can now obtain financing.

U.S. citizens and permanent residents can qualify to finance homes throughout Costa Rica. The property must be fully completed and sit on titled land.

Financing is available for:

• Primary Residences
• Second Homes
• Investment Properties

Buyers can also refinance an existing purchase. This is a great option for those finishing construction or looking to shift away from high-interest, short-term loans.

Ready to Take the Next Step?

Your Costa Rican dream is within reach—and now, the financing is too. Welcome to the world of Costa Rica mortgage for U.S. buyers!

RE/MAX and Second Street are trusted by Americans to deliver personalized service, local insight, and smart solutions. 

Here’s how to get started:

• Connect with your RE/MAX Costa Rica agent to find your ideal property
  

Together, we’re making it easier than ever for Americans to call Costa Rica home. 

Welcome to a new era.