Mortgage Information

If you're like most buyers, a home is the most expensive purchase you'll ever make, and you'll probably need some form of financing.

There are many lending institutions that offer a variety of mortgage products. Financing options and rates can vary widely, so it is important to do your research and shop around to ensure you get the mortgage that best meets your needs at the best price.

You are required to use a lender licensed in the US Virgin Islands.  I would be happy to refer you to some very good mortgage contacts I have in St. John, or to help you in any other way I can to secure the best possible rate for your home purchase.

Financing Sources / U.S. Virgin Islands

Banco Popular

Veterans Drive

P.O. Box 8580

Charlotte Amalie,

St. Thomas, VI 00801-8580

Juliette Kean, VP, Real Estate Dept.

(340) 693-2800

 

Citibank

Veterans Drive

P.O. Box 5167

Charlotte Amalie

St. Thomas, VI 00801-5167

(340) 774-4800 Fax (340) 776-0980

Pam Villanueva (340) 774-4800 ext. 247 Fax (340) 776-0980 Direct (340) 776-4117

 

Coastal Financial Company LLC

199 Main St. Suite #16

East Haven, CT 06512

1-800-701-4021

FIRSTBANK Virgin Islands

PO Box 309600

St. Thomas, VI 00803-9600

Charlotte Brown Ramos

Robert Falzarano

(340) 775-8501; Fax (340) 777-1232

Website: www.firstbankvi.com

Email: charlottebrownramos@firstbankvi.com

 

First Liberty Mortgage Co., LLC

5 Commandant Gade

St. Thomas, VI 00802

Brice McLaughlin (cell 203-779-9193)

Rick O’Bymachow

340-774-1101

FAX 340-774-1102

Corporate Office in CT 860-664-1855

Corporate FAX Fax: 860-664-9590

 

Merrill Lynch

5030 Anchor Way

Gallows Bay

St. Croix, VI 08220

Main Phone (340) 773-3000,

Fax (340) 773-8166

Residential: Homes/Condominiums

Walter Stzurma (340) 773-3590

 

Merchants Financial, LLC

Port of Sale Mall, Suite #15

St. Thomas, VI 00802

(340) 779-2265 Fax (340) 779-2266

Website: www.mcbvi.com

James Crites- Ext. 25

Email: Jamescrites@mcbvi.com

Jimmy Bethea Ext. 26

Email: jimmybethea@mcbvi.com

 

Scotiabank (The Bank of Nova Scotia)

5000-4A Est. Enighed #146

St. John, VI 00830

Homes/Condominiums/Land/Construction

Zahida Ishmael - St. John Manager

Daniel Rogers, Officer

(340) 776-6552 ext. 224

(340) 714-1314

(340) 776-6554 Fax

Website: www.usvi.scotiabank.com

Email: Daniel.rogers@scotiabank.com

 

Print/Download List of VI Lenders:

 

Financing Source List USVI

 

 

Use the mortgage calculators below to assist you in making some decisions around financing your new home.

Mortgage Qualification Calculator

This calculator will help you determine how much money you qualify to borrow. The results are informal. You will be subject to a credit approval from your financial institution taking into consideration existing debt load, amount of down payment, income and other variables.

Mortgage Payment Calculator & Amortization Table

This calculator will help you determine what your mortgage payments will be based on purchase price, interest rate and mortgage term, as well as other factors. The amortization table shows what the interest and principal payments will be over the term of the mortgage.