​​​​​​Federal support to help you finance up to 96.5%.1

Consider this loan if you are looking to purchase or refinance a one to four unit primary residence and want an option requiring less cash out of pocket! The Federal Housing Administration (FHA), a division of the Department of Housing and Urban Development (HUD), insures this type of loan.​

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

  • ​The ability to finance up to 96.5% of the purchade price of your new home or property’s value, whichever is less1

  • Low fixed interest rates

  • Acquire your home with less cash out of pocket than other mortgage products require

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, etc.) from each borrower

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