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Supporting Information for Costa Rica Property Financing

August 28, 2026
Loan Requirements

Property-backed financing in Costa Rica is reviewed around qualifying Costa Rica real estate and the supporting information available for the individual file. Requests start at US$50,000 and up, no credit score is requested, and the lender must receive first-lien position.

Supporting Information for an Individual File

Supporting information may include title information, lien details, planos, tax records, and proof of income, depending on the individual property and file. The exact information requested varies because no two properties or requests are identical.

GAP Equity Loans reviews the available records and identifies what may still be needed. This helps keep the request organized and ensures the individual file receives attention based on its own information rather than a general checklist.

Title Information and Existing Liens

Title information and lien details are important parts of a property file. If a property has an existing lien, it must be paid off before closing or as part of the financing at closing. In either case, the lender must receive first-lien position.

Providing lien information early allows it to be considered as part of the closing process. GAP provides professional handling throughout closing and communicates the supporting information needed for the individual request.

Costa Rica property documents reviewed for a property-backed financing request

When Additional Documents May Be Requested

For requests over US$1 million, additional property and file documents may be requested. Planos, tax records, and proof of income may also be requested depending on the individual property and file.

Gathering the information that is already available can make the review more efficient. The initial discussion lets GAP consider the property details, identify the next documents needed, and keep the request focused on the particular file.

Owners can begin with the records they already have. GAP then reviews the individual file and explains which additional supporting information may be requested before the request progresses toward closing.

Terms and Closing Timing

Terms range from six months to three years. The specific term is discussed as part of the individual request. Qualified files can close in about 10 days, depending on the readiness of the property records and the completeness of the file.

Traditional banks can have strict requirements and lengthy processes. GAP handles qualified files professionally throughout closing, with a review centered on the property and the supporting information relevant to that request.

Costa Rica property file prepared for a property-backed financing request

Frequently Asked Questions

What information may be requested for a property file?

Supporting information may include title information, lien details, planos, tax records, and proof of income, depending on the individual property and file.

What is the minimum request amount?

Requests start at US$50,000 and up. For requests over US$1 million, additional property and file documents may be requested.

Is a credit score requested?

No credit score is requested. GAP reviews the request around qualifying Costa Rica real estate and the individual file.

What happens if there is an existing lien?

If a property has an existing lien, it must be paid off before closing or as part of the financing at closing. In either case, the lender must receive first-lien position.

How quickly can a qualified file close?

Qualified files can close in about 10 days. Timing depends on the readiness and completeness of the individual file.

Ready to discuss a property-backed financing request in Costa Rica? Contact GAP Equity Loans at +506 4001 6413, USA/Canada 855-562-6427, or info@gap.cr.

Article by Glenn Tellier (Founder of CRIE and Grupo Gap)