Your Premier Mortgage Partner in the US Virgin Islands
30+ Years of Expertise. Personalized Lending. Trusted by Thousands.
Ranked #1 Lender In The Virgin Islands
Kimberly H.
“We purchased a property with special considerations offshore. Steve and Eliot were wonderful in explaining all the ins and outs of obtaining the mortgage. Extremely knowledgeable and friendly. Everything closed on time. We appreciated their counsel. Highly recommend.”
Stephen S.
“What a pleasure to work with Steve and Elliot at Virgin Bay. We could not be more thankful for their tireless service in guiding us through a tricky and complicated real-estate transaction. Highly recommended.”
Vicente C.
“The people at Virgin Bay Mortgage were extremely helpful in the purchase of my home. There were many changes and challenges during the purchase process that Eliott and Steven helped me overcome. They were a big part of making the closing happen.”
Joshua B.
"Steven and Eliott were fantastic to work with through our entire process of financing our St Thomas property. Excellent communication throughout the process, and very quick to complete the necessary work on the lending side."
Mirrian A.
“Steven and Eliott were absolutely phenomenal throughout our home buying journey. They not only assisted us with our loan but also provided invaluable guidance and support across every step of the process.”
Don Charles Jr.
“Steve & Eliott are consummate professionals! I recently used my VA loan on a refinance in St. Thomas and they made a tedious process feel almost seamless! They were patient, knowledgeable, & communicated very well throughout the process. Thanks again Gentlemen!”
Local, Experienced, Trustworthy Advice For The USVI Mortgage Market
Why Choose Virgin Bay Mortgage?
Local Expertise:
As the premier lender in the Virgin Islands, we bring unmatched insights into the local housing market. Our deep roots and understanding of the community empower us to provide tailored solutions that meet your unique needs.
Personalized Service:
Our loan officers combine expertise and personalized care to understand your goals and help you navigate the mortgage process with confidence.
In-House Underwriting:
We handle every step of the mortgage process under one roof, ensuring faster approvals, fewer delays, and a seamless experience for our clients. Skip the middleman and work directly with our team of experts.
Loan Servicing:
You are a valued client for life, and we will continue servicing your loan long after closing. You will always deal directly with us for any questions or assistance, giving you peace of mind and personal attention.
Virgin Bay is a Featured VI Slice Lender!
The VI Slice Moderate Income Homeownership Program, administered by the Virgin Islands Economic Development Authority (VIEDA) in partnership with the Office of the Governor and the Office of Disaster Recovery (ODR), was created to help first-time homeowners with accessing financial assistance to purchase, renovate or build a home. And Virgin Bay Mortgage is here to help!
Meet Our Mortgage Professionals
Brice McLaughlin
With over 20 years of mortgage lending experience in the Virgin Islands, Brice has successfully guided more than 2,150 clients in achieving their homeownership goals.
NMLS 103503
Eliott Adams
Eliott is a proven mortgage professional, recognized for his exceptional customer service. His glowing Google reviews speak for themselves.
NMLS 2022847
Steven Pruitt
Steven Pruitt, CPA, MBA, is a St. Thomas resident with over 25 years of professional finance experience. He is dedicated to helping clients achieve their home investment goals.
NMLS 1745139
Trusted Affiliates and Partners
Keep Up With The Latest
Virgin Bay News
Virgin Bay Mortgage is thrilled to announce the Grand Opening of our new location on St. Thomas in April 2025! We cannot wait to provide the Virgin Islands with the best mortgage services from start to finish, and being accessible to our clients is key to fostering successful partnerships that result in making paradise home.
Follow Us
The Virgin Bay Instagram is the best place to keep up with what the team gets up to on the day-to-day. Give us a follow and see first-hand how we immerse ourselves in the USVI community to bring our clients the best the Virgin Islands have to offer. We never stop exploring and finding more reasons to make the Virgin Islands home!
Check Us Out >Are You Pre-Qualified?
The essential first step in the USVI home-buying process is Mortgage Pre-Qualification, which strategically positions our clients at the ready when new properties enter the marketplace. With a Virgin Bay-backed Mortgage Pre-Qualification, our clients can rest assured that their offers are competitive and secure.
Learn More About Pre-Qualification Here >
1-340-714-0033
contact@virginbay.com
A2-7, Red Hook Quarters, 6100, No. 2 Suite, St. Thomas, 00802
Mon-Fri: 9:00AM - 5:00PM
Sat: By Appointment
Sun: Closed
1-340-714-0033
Mon-Fri: 9:00AM - 5:00PM
Sat: By Appointment
Sun: Closed
Get Started Today
Contact our team of experts for personalized advice. Guaranteed to respond within 24 hours.
Local, Experienced, Trustworthy Advice For The USVI Mortgage Market
Location & Hours
A2-7, Red Hook Quarters, 6100, No. 2 Suite, St. Thomas, 00802
Mon-Fri: 9:00AM - 5:00PM
Sat: By Appointment
Sun: Closed
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