Virgin Bay Featured in St. Thomas Source — Taps into Wall Street Capital
Virgin Bay Mortgage has structured the territory's first-ever USVI-only mortgage-backed security — a move that could bring new liquidity, lower rates over time, and more down payment assistance to Virgin Islanders.
The Ultimate Guide to Financing a Sapphire Beach Resort Condominium
Sapphire Beach Resort units are classified as non-warrantable condo-tels, so mainland conventional mortgages won't work. Here's how buyers actually finance a unit in St. Thomas — from Virgin Bay's FLEX to stamp taxes.
Is Your Lender Your Direct Competitor?
When your client's loan gets sold, it isn't just a change of address for the payment — it's the handover of their financial blueprint to a real estate tech conglomerate. Here's how the loan sale became the new lead-gen machine, and what it means in the USVI.
Fighting Big Tech: Stop Competing on the "What" — Start Dominating the "Why"
You can't out-spend Redfin, Compass or Zillow's AI budget, but you can out-maneuver their algorithm. A database provides information; only a human provides context. Here's how to know, be, and protect the "Why".
The Moving Target: Why Condo Financing Eligibility Changes From One Transaction to the Next
A condo can be approved for conventional financing in March and denied in June. Here's why eligibility is a moving target — and the five variables that most often flip a building from warrantable to non-warrantable overnight.
Fannie Changes Condo Rules — Troublesome News for USVI Condo Associations
Starting August 3rd, Fannie Mae is retiring the Limited Review process. Over 90% of USVI associations relied on it — here's what changes and what buyers, sellers, and realtors need to do now.
What makes a condo association a "good" association?
Beyond the infinity pool and swim-up bar, a strong association is built on sound budgeting, comprehensive insurance, minimal special assessments, and a transparent board. Here's what to look for.