Banco La Hipotecaria is the only institution in Latin America that specializes exclusively in the origination and administration of mortgage loans with a proven ability to securitize its mortgage loans, according to its needs, to mitigate the risks of term mismatch and funding of the institution. The company has established its reputation as a leader in the mortgage market for its competitive mortgage loan programs and an unmatched ability to serve its clients in a fast, simple and reliable way that is not found in other institutions, private or state.

Since it began operations in Panama, Republic of Panama in 1997, La Hipotecaria has become one of the most important providers of mortgage loans in Panama for middle and lower-middle income clients; where the family income is within a range of US $ 400 to US $ 1,500 per month. Through its five offices in Panama, La Hipotecaria generates between US $ 6 million and US $ 8 million in mortgage loans per month, with an approximate average per loan of US $ 38,500. Additionally, La Hipotecaria offers personal loans, but exclusively to its mortgage clients .

La Hipotecaria finances clients who select their home from a variety of projects and does not allow the mortgages of any developer or project to be more than 5% of the total portfolio of loans administered by La Hipotecaria. In addition, to maintain its objectivity in the generation of loans, La Hipotecaria does not grant financing to projects in which its shareholders or directors have any direct or indirect interest, nor does it provide financing for housing construction.

The requirements for home loans are strict, but fair. Clients must present stable employment, good credit references, and a percentage available for loan repayment of approximately 30% of their income.

La Hipotecaria will continue to strive to achieve its corporate Mission of ensuring that each individual has their own home and improving the quality of life of tens of thousands of Latin Americans through the mortgage products it offers.