The FLEX Program™
USVI Jumbo LoansHigh-Value Mortgage Solutions Up to $2M+
The Virgin Bay Advantage
Bespoke Financing for Luxury Island Properties
Properties in the U.S. Virgin Islands frequently exceed standard stateside conforming loan limits set by Fannie Mae or Freddie Mac. As part of our FLEX Program™, Virgin Bay Mortgage provides bespoke jumbo financing for luxury primary residences, second homes, and high-end investment properties across St. Thomas, St. Croix, and St. John. Our local underwriting team navigates Caribbean property valuations, island appraisals, and unique high-value estate features with ease.
Local Expertise
Deep roots in the USVI market and an understanding of island properties.
In-House Underwriting
Every step under one roof for faster approvals and fewer delays.
Local Loan Servicing
We keep servicing your loan after closing, so you always deal with us.
How Jumbo Loans Work in the USVI
Higher Loan Amounts
Finance luxury properties exceeding conforming loan limits, up to $2,000,000+ with competitive fixed and adjustable rate options.Flexible Down Payment Options
Competitive loan-to-value structures starting with 30% down depending on property type and borrower profile.Tailored Underwriting
Designed for complex financial profiles and high-net-worth individuals.Flexible Entity Ownership
Option to close in your personal name, a revocable trust, or an LLC for estate planning and liability protection.
Eligible Property Types
- Luxury Single-Family Oceanfront Estates & Villas
- High-End Second Homes & Vacation Residences
- Multi-Unit Luxury Investment Properties
- Premium Warrantable & Non-Warrantable Condominiums
Finance the Island Home You Really Want
Talk with a local loan officer who knows the USVI market. We respond within 24 hours.
Explore More
More FLEX Program™ Loans
DSCR Loans
Buying a short-term rental or Airbnb in the USVI? We qualify the mortgage based on the property's projected rental income, not your personal debt-to-income ratio.
Learn moreBank Statement Loans
Heavy tax deductions shouldn't stop you from buying a home in the Virgin Islands. We verify your income using 12 to 24 months of bank statements instead of tax returns.
Learn moreAsset Depletion Loans
For retirees, trust beneficiaries, or luxury buyers. We calculate a qualifying income stream directly from your liquid assets so you don't have to liquidate your portfolio to buy your island home.
Learn moreCommercial Loans
Expanding your portfolio? We offer commercial financing up to $2M for retail, office spaces, and 5+ unit multi-family apartment buildings across the territory.
Learn moreLLC Closings
One of the major advantages of the FLEX Program™ is the ability to close in an LLC, which may be more cost effective than closing in your name and transferring the property later.
Learn moreCondo-Tels & Non-Warrantable Condos
Specialized FLEX portfolio lending designed to finance USVI condo-tels and non-warrantable condominiums that traditional mainland banks treat as commercial properties.
Learn more
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
Loan Programs
Location & Hours
6100 Red Hook Quarters
Suite A2-7
St. Thomas, VI. 00802
Mon-Fri: 9:00AM - 5:00PM
Sat: By Appointment
Sun: Closed
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