Can You Get Financing in Roatan? Cash vs. Owner Financing vs. Bank Loans

One of the most common questions foreign buyers ask when considering property in Roatan is: “Do I need to pay cash, or can I get a mortgage?” The answer: most real estate transactions are cash-based, but some bank financing and owner financing options do exist. This guide reflects what is known as of mid-2025, with verified bank info and practical advice.

Expectation for North American buyers: Local bank mortgages are rare for non‑Hondurans. Most go with cash, seller take‑back terms, or equity leveraged at home. If a bank route is attempted, plan for extra time and potential HNL→USD payout logistics.[1]

Broker’s note — Margot Halliday

• North American buyers rarely obtain local bank mortgages; most use cash, seller take‑back terms, or equity leveraged at home.
• Private financing is available but typically expensive, so clients seldom choose it.
• Ficohsa is currently the most approachable bank, but banks cycle in aggressiveness over time.
• Bank payouts are typically in HNL; USD payouts are possible but can add a 2–3 week delay to closing.
• Banks actively lend to Hondurans and some regional buyers.
• Recent deal pattern: ~60% down, ~2.5‑year term, ~6% interest on seller financing.

Why Most Purchases Are Cash

Foreign buyers in Roatan often purchase properties outright. This is partly because local banks have stricter requirements for non-residents and partly because cash deals are faster and more attractive to sellers. If you’re planning a purchase, it’s smart to prepare for a cash transaction unless you already know financing is available to you.

Owner Financing

Some sellers in Roatan offer financing directly to buyers. This can be a flexible and appealing option, especially if you want to spread payments over a few years without dealing with banks.

Typical terms:

• Down payment: 30–50% of the purchase price