The Expat Mortgage Broker

YOUR ALLY FOR INVESTING IN PANAMA

Your Panama mortgage, negotiated in your favour.

We build your complete file, present it to the bank that best fits your profile and stay with you until signing. In English or Spanish.

100 %of our clients received a bank offer
200+buyers helped since June 2024
~6 daysto pre-approval after a complete file
EN · ESservice in English and Spanish

THE FEE PAYS FOR ITSELF

On closing day, you keep more than four times what you pay us.

We negotiate the terms with the bank: down payment, amount financed and loan charges. With permanent residency, we have the bank remove the FECI surcharge.

Ask what we can negotiate for you
Bank's standard down payment for a foreigner (40%)US$120,000
Down payment we negotiate (30%)US$90,000
Cash you keep at closingUS$30,000
Our fee: 3% + ITBMS on the US$210,000 loanUS$6,741
4.4×You keep more than four times what you pay us.

Illustrative example on a US$300,000 home. A 30% down payment is achieved in most cases; approval and terms are decided by the bank on each client's profile.

START HERE

Welcome to The Expat Mortgage Broker

Yeimis explains who we are, how we work, and how we take a buyer from abroad to a bank offer in Panama.

Our video library opens when the welcome ends.
Talk to Yeimis on WhatsApp

VIDEO LIBRARY

Short answers to big questions

See more videos
Opens after the welcome video
Questions after watching? Ask us on WhatsApp →

HOW IT WORKS

We prepare your case before it reaches the bank

  1. 01

    Message us on WhatsApp

    Tell us what you want to buy and where your income comes from.

  2. 02

    We check what the bank checks

    Proof of income, your full credit report with score, monthly debts with the new payment up to 50% of income, and your current work or business.

  3. 03

    We build and present your file

    Every document checked, sent to the bank that best fits your profile, and the terms negotiated.

  4. 04

    Pre-approval, then signing

    Typically about 6 business days after a complete file. We stay with you until signing.

Start step 1 on WhatsApp

WHO WE HELP

Buyers coming to Panama from abroad

WHAT OUR CLIENTS SAY

When my developer financing unexpectedly fell through, I called several brokers… and was warned my chances were slim. Ms. Yeimis saved my investment by securing a home mortgage for me as a foreign investor at a competitive rate — actually even better than what I had agreed with the developer.

JOSHUA ROBINSON · AMERICAN INVESTOR LIVING IN ASIA
Read the full story

I'm an American living in Asia and own property in Panama. When my developer financing unexpectedly fell through, I called several brokers seeking assistance in procuring a mortgage and was warned my chances were slim. Ms. Yeimis saved my investment by securing a home mortgage for me as a foreign investor at a competitive rate—actually even better than what I had agreed with the developer. My situation was complex: I am a self-employed consultant paid by clients across multiple bank accounts from India and Japan to Indonesia and Singapore. Despite this, Ms. Yeimis was confident and guided me through the entire process to a successful conclusion. I recommend her without reservation, and particularly to foreign investors in Panama. She is essential to protecting your investment.

Be our next client — WhatsApp us

LEARN

Latest from the blog

See all articles