If you have savings or assets for down payment and closing costs, or if you already have a residence, a Conventional Loan1 could be your best option.


  • For principal residence, second home and investment properties.2 In some cases, depending on the borrowing margins, private mortgage insurance may be required.
  • For purchasing, we offer up to 95% of the sale price or the appraisal, whichever is less, with private mortgage insurance, or 80% without private mortgage insurance.
  • In refinancing, we offer up to 90% of the appraised value with private mortgage insurance or 80% without private mortgage insurance.
  • Up to $359,650 in conforming loans and up to $1,000,000 in non-conforming loans.
  • Maximum term: 30 years

Apply by calling

  • Saint Thomas – Mortgage Center 340-693-2803
  • Saint Croix – Mortgage Center 340-693-2911
  • Totola, BVI – Mortgage Center 284-494-2604