Financing a Home in Panama: Mortgages, Cash, HELOCs, and the QIV Deadline Every Expat Couple Should Know (2026)

Buying a home in Panama

Panama bank mortgages for foreigners are real — but the age math alone disqualifies many retirees from practical terms. We cover every option: bank mortgages with current rates, developer financing, U.S. HELOC strategies, and the Qualified Investor Visa’s $300,000 threshold closing October 15, 2026. Plus: why we’re still working out our own answer.

Buying Property in Panama as a Gay Couple: What Marriage Doesn’t Protect

A gay couple has legal documents to protect themselves.

Panama doesn’t recognize same-sex marriage — not yours performed in the US, not anyone’s. The Supreme Court settled it in March 2023. Without deliberate planning, your partner inherits nothing when you die: Panama’s intestacy rules direct property to blood family. Here’s what you do about that — wills, corporate structures, foundations, powers of attorney, and how the Qualified Investor Visa constrains title decisions for couples where one partner is pursuing it.