No. The entire initial underwriting, document submission, credit assessment, and pre-approval process is 100% digital. Applicants can complete origination remotely from the U.S., Canada, or their country of residence.

In-person presence is required exclusively at closing for the execution of the public deed before a Costa Rican Notary Public.

Physical attendance is not mandatory. You may execute a Unrestricted General Power of Attorney (Poder Generalísimo sin límite de suma) registered with the National Registry of Costa Rica, designating a trusted legal representative or attorney-in-fact to execute the deed on your behalf.

Execution requires signatures from both the individual borrower (primary debtor) and the authorized legal representative of the corporate entity (joint guarantor). If neither can be physically present, both must execute registered Powers of Attorney to a third party for closing.