Mortgage & Loans Options in Panama

Unlocking Homeownership in Panama: Panama Properties Now Offers Personalized Mortgage Solutions

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For many foreigners dreaming of owning a home, condo, land, or even commercial property in Panama, one of the biggest challenges has always been securing financing. Traditional banks in Panama often have rigid requirements and lengthy processes that can make it difficult—sometimes nearly impossible—for non-residents to qualify for a mortgage.

At Panama Properties, we understand how frustrating this roadblock can be for our clients. That’s why we’re proud to announce a new partnership with a trusted mortgage broker who is transforming the way buyers access financing in Panama.
 

A Mortgage Partner Who Goes Beyond Banking

Unlike a typical mortgage broker, our new partner brings a unique approach. With deep connections throughout Latin America and the Caribbean, they’ve built a wide network of lenders willing to consider opportunities beyond the traditional banking system. This means our clients are no longer limited to local banks when exploring financing options.

Loans can come from multiple sources within their network, opening doors for buyers who previously felt locked out of the market. Whether you’re looking to purchase a beachfront condo, a piece of land to build your dream home, or even a commercial investment property, financing is no longer out of reach.
 

Full Service in English—From Start to Finish

One of the standout benefits for our clients is that all services are available fully in English, including assistance with completing forms and navigating every step of the process. For many expats, language and bureaucracy have been significant hurdles in securing financing in Panama.

With this partnership, those obstacles are a thing of the past. Our mortgage partner takes a personalized, hands-on approach, ensuring every client feels supported from the first inquiry to the final signing.
 

Loan Programs Tailored for Foreign Buyers

Our mortgage partner has designed programs specifically with non-residents in mind. Whether you’re a salaried professional or self-employed, qualification is based on income and tailored to your situation. Here are the key features of the Panama Loan Offering:

• Financing available for purchase, cash-out refinance (with permanent residency), construction, and land purchase

• Loan programs designed specifically for non-residents

• Up to 75% loan-to-value with terms up to 25–30 years (depending on age)

• Loan amounts range from $60,000 to $1,000,000+ (case by case)

• Closing documents can be signed outside Panama (with POA and apostille)

• No pre-payment penalty after 5 years (waived in certain cases)

• Commercial loans available (case by case basis)

• Local life insurance required
   

Property & Loan Details:

• Types of properties: Single-family homes, condos, land

• Use of property: Main residences and second homes

• Interest rates: 6.5% – 9.5% (as of Sept 2025)

• Costs & fees:

  • 1%–2% of successful loan amount

  • Property appraisal (varies by property type)

  • Closing costs of 4%–6% of loan amount
     

Availability depends on location and collateral, but the flexibility of these programs opens many more doors than traditional banking alone.
 

Years of Regional Experience

With many years of experience working across Latin America and the Caribbean, our mortgage partner brings proven expertise and a track record of success. Their insight into local lending practices and their extensive professional relationships mean clients benefit from opportunities they would not find on their own.
 

Why This Matters for Buyers in Panama

Foreigners often arrive in Panama ready to invest but quickly discover the difficulties of obtaining financing. By partnering with this specialized mortgage broker, Panama Properties is helping bridge that gap. We’re not just selling homes—we’re helping people make their dream of living or investing in Panama a reality.
 

 

Ready to Explore Financing Options?

If you’ve been discouraged in the past by the challenges of getting a mortgage in Panama, now is the time to try again. Contact Panama Properties today to learn how our new mortgage partner can help you access tailored financing solutions and guide you through the process—every step of the way.
 

📲 Contact us today to connect with one of our mortgage brokers and find your path to financing in Panama.

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