Products & Services
Whether you're buying your first home, refinancing, or investing in property, Virgin Bay Mortgage provides tailored lending solutions to help you achieve your goals. Explore our diverse loan products designed for homeowners, investors, and businesses in the USVI.
FANNIE MAE AND FREDDIE MAC
Conventional Loan Products
Conventional loans are ideal for borrowers seeking stable, long-term financing with competitive interest rates. These products provide flexibility for primary residences, vacation homes, and investment properties.
Fixed Rate Mortgages
Choose from 10, 15, 20, or 30-year terms.
Cash-Out Home Refinancing
Leverage your home's equity for major expenses or debt consolidation.
Rate/Term Refinancing
Lower your interest rate or adjust your loan term for better affordability.
Second Home & Investment Properties
Secure financing for vacation homes or rental investments.
1-4 Unit Properties
Finance single-family homes, duplexes, triplexes, and fourplexes.
GINNIE MAE
Government-Backed Loan Programs
For borrowers looking for lower down payments and flexible credit requirements, we offer government-backed loan options.
FHA Loans
Designed for first-time homebuyers and those with moderate credit scores.
USDA Loans
With low interest rates and flexible guidelines, a USDA home loan could help you achieve your financial goals.
VA Loans
Exclusive benefits for eligible military service members, veterans, and their families.
These government-backed loans make homeownership more accessible with lower interest rates and down payment requirements. Call us today to find out if you qualify!
1-340-714-0033Find Out if You Qualify Today
Specialty Mortgage Products
Our unique loan offerings cater to the distinct needs of Virgin Islands homeowners and investors.
Condo-Tel Partnership Financing
Designed for condo-hotel properties, allowing owners to generate rental income while enjoying vacation living.
USVI Slice
A specialized financing solution tailored to the Virgin Islands market, offering flexible terms for eligible buyers.
Have More Mortgage Questions?
Virgin Bay Mortgage is here to walk you through the entire Mortgage process, from answering all of your initial questions to congratulating you on the success of your new home, investment property, or commercial business. You can reach us via email at contact@virginbay.com, by filing out the inquiry form below, or by giving us a call today!
Let us help you make paradise yours.
1-340-714-0033Discuss Your Financing Needs
Get Expert Guidance on Mortgage Options
Our dedicated mortgage specialists are here to help you navigate the loan process and find the best financing solution for your needs.
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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