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​​​​​​​​​​​​​​​​​​Fixed rate has just happened…look no further.

Whether you are a current homeowner or a first-time buyer, t​his loan is available to purchase or refinance one to four unit primary residences, investment properties and second homes.​​

If you are a USVI resident, or US citizen, 18 years or older, you can enjoy the following benefits:


  • Financing of up to 80% of the property

  • The same interest rate for the life of your mortgage

  • Competitive rates to term

  • Financing for different year terms

Here’s what you will need to get started, although our expert Mortgage Loan Originators may ask you for additional information.


  • A completed Loan Application

  • Pay stubs covering your most recent 30 days

  • Evidence of any other applicable income

  • Your most recent 2 years’ W-2 forms for all jobs held

  • Your most recent two years’ signed, dated, and filed tax returns (personal and business returns for self-employed borrowers)

  • Property deed (if refinancing)

  • A copy of your most recent two monthly bank and investment statements (all pages, front and back)

  • Fully-executed sales contract and any addendums (for purchases)

  • Lease agreement(s) on rental properties, if applicable

  • Copies of two forms of government issued identification (Driver’s License, Social Security card) from each borrower