Finally. Home financing in Costa Rica has arrived.

A modern home in Costa Rica with a pool overlooks the mountains.

Ordinary and Extraordinary

We offer U.S.-style mortgages with no hidden fees or surprises. It’s the loan you know and trust in a country you didn’t expect to find it.

An icon of a calendar with a percentage sign.
30-year mortgages
An icon of a shield with a percentage symbol.
Attractive fixed interest rates
Icon of a dollar sign.
Borrow in U.S. dollars
An icon of a hand holding three dollars bills.
No prepayment penalties or hidden fees
An icon with a no symbol over two hands exchange a coin with a dollar symbol on it.
No unusual lending requirements
Icon of a piece of paper with a percentage sign and text.
Standard U.S. tax benefits

What’s the catch? There isn’t one.

Pre-Qualify Now

Your Paradise. Funded.

A large, two-story, Spanish style home with a large outdoor patio overlooking a pool at dusk.

Who can borrow?

  • U.S. citizens

  • Permanent residents

How can I use my loan?

  • Buy a new home

  • Refinance an existing home

  • Cash-out refinance

What properties are allowed?

  • Primary residences

  • Second homes

  • Investment properties

Learn More

Dedicated to Your Success

We know mortgages. We know Costa Rica. We'll guide you every step of the way.

"Thanks to Second Street, we are now proud homeowners in beautiful Costa Rica. We wholeheartedly recommend Second Street to anyone looking for a reliable and dedicated lender for purchasing a home in Costa Rica. Their expertise and personalized service are truly unmatched!"

Ron
Second Street Client

"I can confidently say that Second Street’s financing solutions have played a key role in helping us successfully close a growing number of deals. The team is reliable, responsive, and truly understands the needs of international buyers looking to invest in Costa Rica.

I highly recommend Second Street to any real estate professional or buyer seeking a trustworthy and efficient financing partner in Costa Rica."

Alexandre Brisson

"The people we dealt with were uniformly professional, available, transparent, and supportive at every step. The process itself was straightforward and clear, and we were able to secure a mortgage for a home in Costa Rica in record time. I wholeheartedly and without reservations endorse Second Street. If you're looking to realize your ex-pat dreams in paradise, you can't do better."

Joe B.
Second Street Client

"The launch of Second Street has been a game-changer. I highly recommend Second Street to real estate investors considering Costa Rica, as well as agents looking for a fair, efficient, and comprehensive lending solution for their clients."

Josh Roistacher

"Working with the team at Second Street made buying a house out of the country far simpler than we could have imagined."

John & Ximena
Second Street Clients

"After representing both a buyer and a seller in transactions involving Second Street, I can confidently say they are an incredibly valuable resource for anyone seeking financing in Costa Rica. The team was responsive, proactive, and made the entire process as smooth as possible. Highly recommend their services!"

Gonzalo Huarcaya

"Second Street was a great option for my situation and made my dreams come true. I had the most wonderful experience from start to finish. Thank you, Second Street, for a phenomenal experience and team."

Chanel
Second Street Client

"Thanks to Second Street, we were able to close on our home in Sámara with confidence. It’s a special place for our family, and we’re so glad we had someone we could trust to make it happen. We’d definitely recommend them to anyone looking to buy in Costa Rica."

Jeff K.
Second Street Client

From the CEO...

Welcome to Second Street.

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.

We look forward to serving you.

zack-sgin
Zachary Kay
CEO & Founder
Photo of Zachary Kay, a smiling man with dark hair in a white shirt with a tropical background.

Ready to get started?

Pre-Qualify Now