Your Costa Rica Property Is Your Credit Score
Borrow from US$50,000 against your Costa Rica real estate equity — no credit check, no income verification, no bank required. Foreigners and expats welcome. Interest-only loans with terms from 6 months to 3 years.
Property-Backed Financing With Clear Benefits
Start with your property and the amount you need. GAP helps you prepare a focused request for private-lender review, with clear requirements and terms.
Credit requirements
✓ GAP requires no credit score
Your equity and property value carry the loan — not your credit history.
Foreign property owners
✓ GAP welcomes any nationality
Expats, non-residents, and foreign nationals can all apply.
A simpler application
✓ GAP requires no income verification
No pay stubs, tax returns, or employer letters needed.
Payments during the term
✓ GAP loans are interest-only
Pay interest during the loan term, with principal due at the end. This preserves cash flow during the term; plan ahead for principal repayment.
Closing timeline
✓ Qualified loans can close in about 10 business days
Once the complete file is ready, GAP moves fast.
Your Property Equity Opens The Door
Private property-backed financing in Costa Rica is built around one thing: equity. If you own property here, that equity can support a private loan — regardless of your nationality, income, or credit history.
GAP leads the practical due diligence, organizing your property, title, equity, documentation, loan purpose, repayment plan, and exit strategy into a clear lender-ready file.
Built For Property Owners Who Need A Practical Option
Whether you are an expat, a foreign investor, or a Costa Rica resident — if you own property here, GAP can review your loan request.
No credit check. No income verification. No bank hoops to jump through.
Work With The Person Leading The Process
As Director of Operations at GAP Equity Loans, Lawsen Tellier leads the day-to-day review, coordination, and follow-up of property-backed financing opportunities throughout Costa Rica.
Lawsen helps coordinate borrower intake, property information, document review, lender communications, and transaction follow-up. His background in construction, property review, and Costa Rica private lending gives borrowers a direct, practical point of contact during the process.
Why this matters: You get a real person who knows Costa Rica lending — not a call center or an online form.
Choose The Right Starting Point
Different borrowers contact us for different reasons. The best first step is to understand the property, the loan request, and what the funds will be used for.
Property-Backed Loans
For Costa Rica property owners ready to prepare a private property-backed financing request.
How It Works
Understand the review process, what lenders consider, and the path from due diligence to closing.
Loan Requirements
See what we normally need to begin reviewing a Costa Rica property-backed loan request.
Borrow Less Against Your Property For Better Rate Potential
Private loans in Costa Rica are reviewed by loan-to-value — the loan amount compared to the property value.
30% LTV or less is preferred. A 40% request is more favorable than borrowing at the 50% maximum. Lower LTV generally supports better pricing; property quality, location and the overall file also affect the final rate.
Example for a US$500,000 property: US$150,000 is 30% LTV; US$200,000 is 40%; US$250,000 is 50%. These illustrate borrowing levels, not guaranteed approvals.
Loans from US$50,000 and up. Requests above US$1 million require additional documentation and due diligence. The amount available depends on the property, loan-to-value and overall assessment. No credit score required. Qualified borrowers of any nationality can apply. Terms range from 6 months to 3 years. All loans are secured by a first-position mortgage on Costa Rica property.
Common Questions
Do I need good credit?
No. GAP does not check credit scores. Your property equity is what matters.
Can foreigners apply?
Yes. Borrowers of any nationality are welcome.
How fast can a qualified loan close?
Once the complete file is ready, qualified loans often close in about 10 business days.
Are payments interest-only?
Yes. You pay interest monthly; the principal is repaid at the end of the term.
Three Steps From First Contact To Review
The process starts with the basics — no lengthy applications, no bank forms.
Send The Basics
Share the property location, photos, requested loan amount, estimated property value, and ownership details.
We Review The File
GAP reviews the property, equity, title, loan purpose, repayment plan, and exit strategy — and organizes a lender-ready file.
We Explain The Next Step
We tell you clearly what comes next — lender review, legal work, closing timeline, and repayment structure.
Start With The Basics
Start with the core property and loan details — the team guides you through anything else needed.
1. GPS link (Google Maps, Waze, or WhatsApp pin)
2. Plano Catastro — official property survey plan
3. 10–15 good landscape photos of the property
4. Requested loan amount in US dollars
5. Estimated property value or recent purchase price
6. Purpose of the loan funds
7. How you plan to repay the loan
8. Whether the property has any liens or mortgages
9. Whether the property is owned personally or by a corporation
10. Passport, DIMEX, or cédula photo
Why Property Owners Contact GAP Equity Loans
Every file is different, but most borrowers come to us because they need a practical financing option that a Costa Rica bank won’t offer.
Home Equity-Style Requests
Use your Costa Rica property as collateral to access equity for any qualified purpose.
Construction Or Improvements
Fund property improvements, construction, or project-related needs with a private loan secured by real estate.
Business Liquidity
Use real estate collateral to support a business need, short-term liquidity gap, or expansion requirement.
Earn For Referring Qualified Borrowers
Earn 20% of GAP’s loan origination fee when your referred loan closes and funds.
- US$2,500 origination fee — US$500 referral payment
- US$5,000 origination fee — US$1,000 referral payment
- US$7,500 origination fee — US$1,500 referral payment
- US$12,500 origination fee — US$2,500 referral payment
- US$25,000 origination fee — US$5,000 referral payment
Your role is simple: introduce the property owner, share the basic details, and let GAP handle the rest.
Latest Insights on Costa Rica Lending
Practical guides and real answers for property owners, expats, and borrowers navigating private lending in Costa Rica.
Comparing Loan Interest Rates in Costa Rica
The five numbers that decide what a loan actually costs in Costa Rica, why two borrowers get different rates, and how to read them.
Emergency Loans in Costa Rica: What Is Realistic
Fast property-backed financing in Costa Rica — what it can do, what it cannot, and the three things that decide whether it works for you.
Tourism Industry Loans in Costa Rica
Property-backed financing for hotels, lodges and tourism operators in Costa Rica — what we lend against, why concession properties differ.
Everything you need for Costa Rica real estate — in one network
GAP Real Estate
Buy, sell, or list property in Costa Rica. If you need to find a property to use as collateral — or if you want to invest in physical real estate — GAP Real Estate is the place to start.
GAP Investments
Invest capital into Costa Rica private mortgages alongside GAP. Earn 9–16% annual returns secured by property, managed passively. For lenders, not borrowers.
CRIE — Costa Rica Immigration Experts
Buying Costa Rica property can qualify you for residency. CRIE handles residency and citizenship applications with 20+ years of experience navigating DGME.
Grupo GAP
Grupo GAP is the parent company of GAP Real Estate, GAP Equity Loans, and GAP Investments, connecting the group’s real estate and financing services in Costa Rica.
First-Lien Security And Your Closing Breakdown
First-Lien Position On Every Loan
GAP never arranges second-position loans. Any existing mortgage must be paid off before or at closing so the new GAP lender holds first-lien position.
Understand The Cash You Receive
The borrower pays all loan-related fees, deducted from the loan proceeds at closing. Your closing breakdown separates the total loan amount, fees, any existing-debt payoff and the cash remaining for you.
For illustration only: a US$100,000 loan with US$10,000 in fees leaves US$90,000 before any existing-mortgage payoff. This is not a standard 10% fee quote.
Ready To Use Your Costa Rica Property Equity?
No credit check. No income verification. No bank required. If you own property in Costa Rica, send us the basics and we will tell you what is possible.
Need a loan?
WhatsApp: +506 4001 6413
USA/Canada Call: 855-562-6427
Email: info@gap.cr
Standard Loan Valuation And Repayment Terms
Who determines the property value?
GAP determines the property value used to calculate LTV, with input and acceptance from the lender. The borrower’s estimate does not determine the approved value or loan amount. Any calculator result is an illustration until GAP and the lender complete their review.
Early repayment
Early repayment carries a penalty. The amount and conditions vary by lender and will be explained when GAP reviews your proposed loan terms with you.
These are standard property-loan guidelines. Major-project financing from US$50 million is assessed separately.