World Lending Group
Mortgage financing built for non-resident buyers in Colombia
A clear, end-to-end mortgage process for non-resident buyers — from your first conversation through the moment your title is free and clear of any lien.
About World Lending Group
WLG is a mortgage platform designed specifically for non-residents acquiring real estate in Colombia. We translate the Colombian process into a clear, step-by-step path — from your first call through closing, the life of the loan, and the eventual release of the mortgage lien.
Whether you're buying your first property in Colombia or expanding your portfolio, our team guides you through every stage — pre-qualification, loan approval, property due diligence, the notary closing, the life of your mortgage, and the eventual release of the lien.
A key clarification on property ownership in Colombia
In Colombia, you become the legal owner at closing — not when you finish paying off the mortgage. The seller transfers ownership when the public deed of sale is signed before a notary and recorded in the public land registry. From that moment, the property is legally yours.
When you later repay the mortgage in full, ownership is not transferred again. The only change is the release of the mortgage lien held in favor of WLG. This often differs from how foreign buyers assume mortgages work.
Loan Types
Key Features
How It Works — End to End
Initial Conversation & Pre-Qualification
We introduce WLG, walk you through loan-to-value ranges, eligible property types, terms, and rates, and provide a high-level borrowing estimate so you can plan with confidence. We then determine the maximum financing percentage you may qualify for — before you commit to any binding purchase.
Loan Approval
Once your credit profile is reviewed, WLG issues a formal approval outlining: financing percentage, loan amount, interest rate, loan term and repayment structure, required down payment, and approval validity period.
Property Selection & Due Diligence
With approval in hand, you select your property. WLG orders an independent appraisal to confirm value and a legal title review to verify the seller is the recorded owner and the property is free of liens or restrictions.
Promise to Purchase
You and the seller execute a preliminary purchase agreement confirming the price, payment terms, and delivery conditions. WLG supports you through the entire legal process.
Closing — Ownership Transfers & Mortgage Is Created
At the notary, the public deed of sale and the mortgage deed in favor of WLG are executed simultaneously. Required fire and earthquake insurance is bound. Once the deeds are recorded in the public land registry, you are the legal owner — WLG appears solely as the mortgage creditor.
Life of the Mortgage
You make monthly payments per the agreed schedule and stay current on property taxes and insurance. Title remains in your name throughout the loan; the public title record reflects you as owner with a mortgage lien in favor of WLG. You may prepay or refinance per your loan terms.
Full Repayment & Mortgage Release
When you pay off the loan, you request a payoff statement (paz y salvo) confirming the exact balance. After final payment, WLG issues the release authorization and prepares the release deed. Once recorded with the public registry, the lien is removed and your property is free and clear.
Pre-Qualification Documents
To assess your profile we typically request the following — exact items depend on your country of tax residence and employment situation.
After Closing — What to Expect
The seller has no further rights, control, or involvement. You are the registered owner from the closing date forward.
WLG appears in the public registry as the mortgage creditor until the loan is fully repaid and the lien is released.
As the owner, you maintain property taxes and the required fire / earthquake insurance throughout the life of the loan.
Per your loan terms, you may pay off the mortgage early or refinance with WLG without restructuring the underlying title.
World Lending Group Application
Complete the secure survey below to get pre-qualified. Submissions go directly to the World Lending Group team.
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