Buying a home is often one of the biggest investments you’ll make, so it’s essential to work with a lender that truly aligns with your needs and goals. While exploring beautiful Caribbean homes is the exciting part, if you’re planning to finance your purchase, the journey begins with securing the right mortgage lender.
Although online mortgage calculators can give you a rough estimate of what you might afford, speaking directly with a lender is a crucial step. A professional lender will consider the full picture of your financial situation, from your income and expenses to your credit profile, helping you determine a budget that’s not only realistic but also comfortable for you.
Your lender can also assess your financial situation and credit report, providing guidance on steps you might take to qualify for a better loan amount or more favorable terms. This personalized approach ensures you’re financially prepared before you start shopping for your dream home.
To help you get started, we’ve compiled a list of our top Virgin Island Mortgage Brokers and Banks. Click here for a full list that’s regularly updated, so you can connect with the best lender for your journey.
Your Realtor is a valuable resource in helping you choose the right lender for your needs. You can browse our full list of Coldwell Banker Realtors here or simply fill out the form at here, and we’ll get in touch with you promptly to guide you through the process.
Taking this first step with the right support will set you on the path to turning your Caribbean dream property into a reality!
Recommended Mortgage Brokers & Lenders
Bonnie Rapine
Schaffer Mortgage
340-513-7816
Bonnie@schaffermtg.net
VIMortgage.com
STX & STT | Residential, condo, VA, FHA, business, commercial
Jennifer Rowe – St. Croix
Melanie Cruson – St. Thomas
CMG Home Loans
Jennifer – 340-202-0037
Melanie – 206-779-6727
JRowe@CMGomeLoans.com
VIHomeLoans.com
STX & STT | Residential, Condo, Conventional, VA, FHA
Megan Garcia
Bank of St. Croix
5025 Anchor Way, Gallows Bay
Christiansted, VI 00820
Phone: 340-773-8500 ext 4605
Megan.Garcia@BankofStCroix.com
BankofStCroix.com
STX & STT | Residential, Condo, VA, FHA, Jumbo
STX Only | Construction, Land
Kristin Tuohy
Northpoint Mortgage
340-643-1409
KTuohy@trynorthpoint.com
KristinTuohy.com
STX & STT | Residential, Condo, Conventional, VA, FHA
Michael Armendariz
Capital Mortgage Services
340-773-8100
Michael.E.Armendariz@gmail.com
STX & STT | Residential, Condo, Conventional, VI Slice, VA, FHA
Patricia Clendenen de Soto
Oriental Bank
PO Box 420
St. Thomas, VI 00804
340-778-5350
340-712-3704
340-690-9736
Patricia.Clendenen@OrientalBank.com
OrientalBank.com
STX & STT | Residential, Condo, Conventional, VA, FHA, USDA, FHA limited 203K with max repairs of $75,000.
Fabian Walters – St. Croix
Dulcie Caines-Mills – St. Thomas
Patricia Spencer-Brown – St. Thomas
Banco Popular
3009 Orange Grove Shopping Center
Christiansted, VI 00820
Fabian | 340-693-2962
Dulce | 340-693-2842
Patricia | 340-693-2807
Fabian.Walters@popular.com
Dulcie.Caines@popular.com
Patricia.SpencerBrown@popular.com
Popular.VI
STX & STT | Residential, Condo, Land, Construction, VA, FHA, USDA, VI Slice, VIHFA
Patrickson Thomas
First Bank Virgin Islands
6 King Street
Christiansted, VI 00820
340-775-8825
340-244-3204
Patrickson.Thomas@FirstBankVI.com
VIMortgage@firstbankpr.com
1FirstBank.com
STX & STT | Residential, Condo, VA, FHA, USDA
Patricia Worede
Bank of St. Croix
5025 Anchor Way, Gallows Bay
Christiansted, VI 00820
340-773-8500 ext 4602
Patricia.Worede@BankofStCroix.com
BankofStCroix.com
STX Only | Commercial
Tristan T. Montalvo
Tremoii A. Mills
Merchants Commercial Bank
4608 Tutu Park Mall Suite 100
St. Thomas, VI 00802
Tristan | 340-779-2265 ext 249
Tremoii | 340-779-2265 ext 259
Lending@MerchantsCommercial.Bank
TristanMontalvo@MerchantsCommercial.Bank
TremoiiMills@MerchantsCommercial.Bank
MerchantsCommercial.Bank
STX & STT | Construction, Land
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