Private Real Estate Loans in Heredia
Get capital against your Heredia property in days. Hard money loans with 12-16% investor returns and conservative LTV ratios.
Avg. Property Value
$240,000
Common Loan Range
$25,000 – $130,000
Maximum LTV
50%
Market Overview
Heredia is one of the most in-demand residential cantons in the GAM (Greater Metropolitan Area), with established neighborhoods like San Francisco, San Rafael, and Mercedes. Owners with mortgage-free property use private lending for SMB working capital, construction, or to refinance higher-cost debt.
Check Your Eligibility
Enter your property value to see if you qualify for financing in Heredia.
Estimates only. Final terms depend on appraisal, underwriting, and the executed promissory note.
Frequently Asked Questions
How long does a hard money loan in Heredia take to close?+
The typical timeline is 7-14 business days from application to disbursement. It includes an independent appraisal, legal review, and mortgage registration at the Registro Nacional. That's much faster than a traditional bank loan, which can take 2-6 months.
What documents do I need to apply?+
You'll need a registered deed (escritura), current cadastral survey (plano catastrado), recent property tax receipt, and your ID (cédula or DIMEX). For corporate borrowers, also cédula jurídica and the registry certification. If your property is in our TicaLuxury database, we pre-fill many fields automatically.
What's the maximum LTV and typical rate?+
Maximum LTV is 50% of appraised value (conservative collateral coverage). Interest rates range 12-16% annually, with terms of 6-36 months, typically interest-only with a balloon payment at maturity. The origination fee is 4-5%, considerably lower than the 8% charged by GAP Investments.