USVI FHA LoansBuy Your Island Home with Only 3.5% Down

Perfect for buyers who have less than a 20% down payment but don't qualify for a USDA loan. FHA loans require lower down payments and are more forgiving with credit scores.

Because standard conventional loans in the Virgin Islands typically require a 20% down payment, FHA loans are a powerful tool for buyers who want to keep more cash in their pockets. FHA loans do come with strict property condition guidelines, however, as an approved Ginnie Mae Issuer (the government agency that backs FHA loans), we have the underwriting expertise to know exactly how to navigate the FHA process – helping to avoid any unforeseen delays in the lending process.