


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.
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

















1-340-714-0033
Mon-Fri: 9:00AM - 5:00PM
Sat: By Appointment
Sun: Closed
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Local, Experienced, Trustworthy Advice For The USVI Mortgage Market
Location & Hours
Mon-Fri: 9:00AM - 5:00PM
Sat: By Appointment
Sun: Closed
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