Own Costa Rica, with Owner Financing.
Santa Teresa · Mal País · Playa Hermosa. Flexible seller financing — rates from 8–9% fixed, or 0% when we negotiate it directly with the seller. Monthly, semi-annual, or balloon payment schedules. Title registered in your name on closing day, secured by a mortgage at Costa Rica's Registro Nacional.
Three steps. No banks. No surprises.
Tell us what you want
We match you to owner-financing-ready homes, villas, and lots across Santa Teresa, Mal País, and Playa Hermosa.
Structure your terms
Down payment, rate, and term negotiated directly with the seller. The agreement is drafted and executed by a Costa Rican notario público.
Take title and keys
Title transfers into your name at closing. The seller's mortgage is registered as a hipoteca at Registro Nacional. You own the property — you don't wait to own it.
Real terms. Published. Not hidden in the fine print.
Below are the typical terms for a Real Estate Grupo owner-financed deal — alongside what you'll see in the wider Costa Rica market. Exact structure is negotiated per property.
When we negotiate it: 0% interest, balloon payments, no monthly burden.
On many of our closed deals we negotiate a 0% interest rate directly with the seller — typically paired with a substantial down payment, semi-annual or annual installments, and a final balloon payment. For the buyer: no mortgage, no monthly payment, and zero interest paid over the life of the deal. For the seller: a faster close at a price they like.
We do this frequently. If you prefer no monthly payments, tell us at the first call — we'll build the schedule around your cash flow.
How your money is protected — built into every deal.
Owner financing in Costa Rica is legally well-established. Here is exactly how we structure it to protect you — not the other way around.
Independent attorney review
Your attorney — or ours — verifies clean title at the Registro Nacional before any money moves. No closing without clean title.
Registered mortgage (hipoteca)
The loan is recorded in Costa Rica's national property registry. Publicly visible. Legally enforceable. Standard for Costa Rican lenders.
Notario público execution
Every closing is formalized by a licensed Costa Rican notario — the same official that handles every property transfer in the country.
Escrow option on every deal
Funds held by a licensed Costa Rican escrow agent until closing conditions are met. Your money does not move directly to the seller.
Estimate your monthly payment.
Enter the property price, your down payment, term, and interest rate. Your estimated monthly payment updates instantly with smooth live calculations.
Your estimated payment
From classic monthly to 0% interest balloon — we tailor the structure.
Two deal templates we close frequently on the Peninsula. Every structure is negotiated per property; these are illustrations of what we've done.
A standard amortizing structure. Best when the buyer wants predictable monthly payments partially offset by rental income.
Based on a real deal we closed. No monthly payments. No interest. We negotiate the structure directly with the seller.
Which structure fits you?
We also build custom schedules — interest-only, escalating payments, swings around rental cash flow. Send your numbers and we'll come back with two structured options.
One team. Broker. Builder. Legal. Closer.
You don't have to assemble the team to buy property in Costa Rica. We are the team — and we live on the Peninsula.
0% interest rate — negotiated.
We regularly negotiate 0% interest rates directly with the seller — often paired with balloon payment schedules so buyers skip the monthly burden entirely. No bank. No interest paid over the life of the deal.
Full-service, in-house.
Brokerage, construction, financing structuring, and closing coordination under one roof. Fewer hand-offs, fewer surprises.
Construction $1,500–$1,800/m²
Typical range depending on design and specification — fixed in writing before build starts.
Streamlined closings
Title pre-vetted, notario coordinated, hipoteca registered. As fast as 3 weeks when conditions allow.
Peninsula focus
Santa Teresa, Mal País, Playa Hermosa. We live here. We know the sellers, the terrain, the notarios.
Operating on the Nicoya Peninsula — Santa Teresa · Mal País · Playa Hermosa
Led by Noah Werner, CEO, and Leo Glazer, COO and Closing Officer.
Discovery call
Budget, timeline, location, goal.
Property match
3–5 properties; walk-throughs in person or video.
Terms agreed
Down, rate, term negotiated in writing.
Legal + due diligence
Title verified. Notario drafts documents.
Closing
Title transferred. Hipoteca registered. Keys delivered.
Financed-ready properties don't sit long.
Tell us your budget, timeline, and location. We'll send 3 properties that match — with the owner-financing terms available on each.
Or message us directly: +506 8896 1661 · Replies same business day — most within the hour.