How it works
How it would work
A description of the intended future process. Each stage is conditional and none of it is operating today.
1. Preliminary inquiry
You submit a short inquiry. We reply in your preferred language with an honest assessment of whether the planned service could ever fit your situation.
Not a credit application. No documents are requested at this stage.
2. Financial review
A structured review of income, assets, existing obligations, residency and the purpose of the property, conducted only with your written consent and only through a secure channel.
Secure document handling is not yet implemented, so no documents are collected today.
3. Independent appraisal and title study
An independent valuation by a qualified Colombian valuer, plus a title study covering registry history, liens and the feasibility of recording security.
Arranged through third parties. Findings can end a file at any point.
4. Conditional terms
If a file proceeds, any terms would be issued in writing, marked conditional, and subject to valuation, title, legal review and funding availability.
Conditional terms are not an approval and not a commitment to lend.
5. Legal closing and recorded security
Closing before a Colombian notary, with the mortgage or other security recorded in the applicable public registry and confirmed before funds move.
Security only exists once it is properly perfected and registered.
6. Servicing
Ongoing statements, payment records, tax and insurance monitoring, and a bilingual contact for the life of the loan.
Servicing systems are planned and not yet built.