June 2026 · 7 min read
Yes — you can complete the entire DR mortgage process remotely.
The short answer is yes — you can complete every step of a Dominican mortgage application without setting foot in the DR. The process has become increasingly remote-friendly, and HipoTech was designed specifically to support international applicants who cannot be physically present.
How Each Stage Works Remotely
Mortgage simulation & pre-qualification
Fully remoteHipoTech's simulator runs entirely online. No in-person meeting required.
Tool: /simulator
Document assembly & submission
Fully remoteAll documents are submitted digitally as PDF scans. Application is distributed to qualifying banks simultaneously.
Tool: HipoTech application portal
Property search
Largely remoteVirtual tours, video calls with agents, online listings. A short in-country visit during search is recommended but not required.
Tool: Dominican real estate portals + agent video tours
Purchase promise agreement (promesa de venta)
Remote with attorneyYour attorney drafts and reviews. You sign remotely via notarized and apostilled poder notarial. Deposit is wired internationally.
Tool: Dominican attorney + poder notarial
Property appraisal
Handled locallyThe tasador physically visits the property — you don't need to be present. You select, pay (wire), and receive the report digitally.
Tool: /appraisers
Bank underwriting & offer review
Fully remoteBanks underwrite on their side. You receive commitment letters digitally. Review with your attorney via video call or email.
Tool: Email + HipoTech portal
Closing
Poder notarial requiredRequires physical presence OR a properly executed poder notarial. Your attorney attends, signs all documents, and receives the property on your behalf.
Tool: Dominican attorney with poder notarial
Title registration & post-closing
Handled locallyYour attorney submits documents to the Registro de Títulos. Certificate in your name is issued 2–6 weeks later.
Tool: Dominican attorney
The Poder Notarial — Your Key Remote Tool
A poder notarial is a notarized power of attorney that authorizes your Dominican attorney to sign legal documents on your behalf in the DR. For international applicants, it is the mechanism that makes remote closing possible.
Draft with your Dominican attorney specifying exactly what actions are authorized.
Have it notarized by a licensed notary in your home country.
Obtain an apostille from the relevant authority in your country.
Send the apostilled document to your attorney in the DR via DHL or similar.
Timeline
Allow 2–4 weeks for this process. Start it early — poder notarial processing time is the most common source of closing delays for remote buyers.
Cost
Typically USD 100–300 for notarization and apostille depending on your location.
Fully remote is the norm, not the exception
A significant percentage of foreign buyers complete their entire DR property purchase and mortgage application without visiting the DR. The process is mature and well-supported for remote buyers. The poder notarial, a trusted Dominican attorney, and HipoTech's digital application platform handle everything that would otherwise require your presence.
Start Your Remote Application →