Home Equity Loans

If you have a home in Costa Rica’s Central Valley our private lenders have money to lend without the hassle of traditional banks.

You put a lot into your home. Now you can get something out of it. With a home equity loan, you can use your home equity for whatever you need, whenever you need it for things like: education, dream vacations, home improvements, a new car, debt consolidation, weddings, and more.

Have the banks denied you because you don’t meet their cash flow requirements? Borrow from $50,000 to $350,000 using your home equity. A home equity loan allows you to borrow money, using your home’s equity as collateral

We offer private lending in The Central Valley Area at competitive rates. By using the equity in your house, you may qualify for a loan up to 50% of your home’s value.

NO Up-Front Fees, and no complicated forms to fill out.

Gap Investors specializes in brokering collateral-based real estate equity loans. These loans fill a need for funding when there isn’t time to obtain conventional financing or banks won’t lend for whatever reason. These types of loans are sometimes referred to by different names such as private money loans, private equity loans, gap loans, or bridge loans.

A bridge or gap loan is defined as a short-term equity loan that gives the property owner time to complete a task such as, repairs or upgrades on their home, pay for their kids’ college, buy a car, or pay off a high-interest debt. You can also use a home equity loan to pay for medical emergencies or as a business investment to buy another piece of property.

A typical bridge loan will have a term of 6 to 36 months. Gap Investors looks at all types of properties, big and small, from single homes to large development projects.

An equity loan is a mortgage lien placed on real estate in exchange for cash to the borrower. For example, if you own home worth $200,000, you can get an equity loan at 50% loan to value (LTV) or $100,000 in cash (minus closing costs) in exchange for a first place lien on the title placed by the lender of the equity loan.

Many lenders will only require the borrower to pay the interest on the loan (called an interest only loan) each month.

The rates on a home equity loan tend to be significantly lower than rates on credit cards, so this can be a more economical option than paying for what you need with plastic. The reasoning behind this is that equity loans involve collateral, and credit card debt does not. Since it is a debt against your own property, which you are in actual possession of, a home equity loan is a secured debt. In the event of non-payment of interest or principal, while Gap Investors will look into the possibility of refinancing, the creditors may ask for their money back and you may be asked to liquidate.

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