FHA Home Loans in the US Virgin Islands

At Buccaneer Mortgage / TheGoodPirates Home Loans, we’re proud to help families achieve homeownership with affordable FHA loans in the US Virgin Islands. Buccaneer Mortgage / The Good Pirates Home Loans proudly offers government loans that Virgin Islands buyers can trust to achieve homeownership. Whether you’re buying your first home or refinancing, we make the process easier with flexible credit approvals and low down payment options.

FHA loans in the US Virgin Islands are designed to help more buyers qualify for home financing. With a down payment as low as 3.5% and credit score requirements starting at 580, these loans are a popular choice for many homebuyers in St. Thomas, St. Croix, and St. John.

Why Choose FHA Loans in the US Virgin Islands?

FHA loans offer several advantages:

• • Low down payment — just 3.5% with a qualifying credit score

• • Seller-paid closing costs — up to 6% of the purchase price

• • No prepayment penalty — pay off your loan early without extra fees

• • Flexible loan options — choose fixed or adjustable rates

• • No income limits — open to a wide range of buyers

• • Credit score-Minimum 580 middle credit score.

 Learn more about FHA loan benefits at HUD.gov.

 Serving the Entire US Virgin Islands

We provide FHA loans for homebuyers in:
 St. Thomas
 St. Croix
 St. John

VA Loans in the US Virgin Islands — Zero Down Home Financing for Veterans

At Buccaneer Mortgage / TheGoodPirates Home Loans, we’re honored to help veterans and military families secure home financing with VA loans in the US Virgin Islands. These loans offer zero down payment, no private mortgage insurance, and competitive interest rates — making it easier to own a home in St. Thomas, St. Croix, or St. John.

 Why Choose VA Loans in the US Virgin Islands?

• • 100% financing — no down payment required

• • No PMI — save on monthly costs

• • Lower average closing costs

• • Assumable loans — pass the loan to a qualified buyer when you sell

• • No prepayment penalty

• • Energy-efficient upgrades allowed — solar, insulation, HVAC (with approval)

 Learn more about VA loan benefits at VA.gov

 USDA Loans in the US Virgin Islands — 100% Financing for Eligible Areas

USDA loans in the US Virgin Islands offer zero down payment and low monthly costs for homes in eligible rural areas. At Buccaneer Mortgage / TheGoodPirates Home Loans, we’ll help you check property eligibility and navigate the approval process.

 USDA Loan Benefits

• • Zero down payment — 100% financing

• • Low mortgage insurance

• • Fixed-rate only — stable monthly payments

• • Seller can help cover closing costs

• • Minimum 580 credit score

• • Income Restrictions Apply

 We serve buyers across St. Croix, St. Thomas, and St. John.

 Learn about USDA loan eligibility at USDA.gov.

Conventional Loans in the US Virgin Islands — Flexible Home Financing

Our conventional loans in the US Virgin Islands are a great option for primary homes, vacation properties, or investment properties. With competitive rates and flexible terms, they fit a wide range of buyers.

Conventional Loan Features

• • 620+ credit score required

• • Up to 80% financing for primary, second, investment, and condo properties.

• • No PMI with 20% down

• • Fixed and adjustable-rate options

• • Loans up to $1.5 million

• • No prepayment penalties

 Available across St. Thomas, St. Croix, St. John

                                                                                Apply Now or Call us at  (561) 312-7777