Question 1

Does Best Mortgages sell properties?

Accepted Answer

Yes. We work with selected real estate projects in Panama and accompany the buyer with financial and mortgage advisory.

Question 2

Can I explore projects even if I don't know whether I qualify for a mortgage?

Accepted Answer

Yes. You can browse projects, but we recommend starting an evaluation to understand which options may best fit your profile.

Question 3

Does the initial evaluation guarantee bank approval?

Accepted Answer

No. The initial evaluation is preliminary guidance. Final approval depends on the bank's formal analysis and the documentation submitted.

Question 4

Do I need to have a property chosen to do the evaluation?

Accepted Answer

No. You can do the evaluation even if you don't yet know which property to buy. In fact, it can help you better understand which options could fit your profile.

Question 5

Can I do the evaluation if I'm a foreigner?

Accepted Answer

Yes. We can guide you if you live outside Panama, are a foreigner or expat, or are considering buying to invest or retire in the country.

Question 6

How long does the process take after completing the form?

Accepted Answer

An advisor will contact you within 24 business hours to guide you on the next steps.

Question 7

Is there a cost?

Accepted Answer

The initial evaluation is completely free and with no commitment. We only charge fees when your mortgage is approved and disbursed.

Question 8

What exactly is mortgage advisory?

Accepted Answer

It's professional accompaniment during the process of obtaining a mortgage. It includes profile evaluation, finding the best bank conditions, and managing all paperwork through to disbursement.

Question 9

How long does the mortgage process take in Panama?

Accepted Answer

It depends on the bank, project, and your profile, but generally between 30 and 90 days from evaluation to disbursement.

Question 10

Can you help me if my process is already stalled at a bank?

Accepted Answer

Yes. We review your case, identify the problem, and explore alternatives with other banks if necessary.

Question 11

How does Best Mortgages integrate with the sales team?

Accepted Answer

We define the lead referral flow together. Your team refers interested buyers to us and we handle evaluating their financial profile and accompanying them through to disbursement.

Question 12

What type of projects can work with you?

Accepted Answer

We work with all types of residential projects: first home, investment, international buyer residences, pre-sale, and immediate delivery. We just need the project to have bank financing viability.

Question 13

How is the banking process tracked?

Accepted Answer

We deliver periodic reports on the status of each file. Your team always knows what stage each client is at without having to follow up directly with the bank.

Question 14

Can I apply for financing as a foreigner?

Accepted Answer

Yes. We work with banks that have specific policies for international buyers, residents, and non-residents. The process has different requirements, but it is entirely feasible.

Question 15

What should I review before reserving a property?

Accepted Answer

We recommend first evaluating your financing capacity, reviewing the developer's track record, understanding total costs, and having clarity on the delivery date.

Question 16

Can I compare several projects before deciding?

Accepted Answer

Absolutely. Our advisors can guide you on multiple projects at the same time so you can make the best decision based on your purchase goal.

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