U.S. Virgin Islands Home Loans

At Buccaneer Mortgage / TheGoodPirates Home Loans, we proudly offer Virgin Islands home loans that families can trust to achieve affordable homeownership. Whether you’re buying your first home, refinancing, or exploring FHA loans in the U.S. Virgin Islands, we make the process easier with flexible credit approvals and low or zero down payment options.

FHA loans in the U.S. Virgin Islands are designed to help more buyers qualify for home financing. With as little as 3.5% down and credit scores 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 U.S. 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 www.HUD.gov.

Serving the Entire U.S. Virgin Islands

We provide FHA loans for homebuyers in: St. Thomas St. Croix St. John Explore other options too: Check out our VA loans in the U.S. Virgin Islands or USDA loans for zero-down alternatives.

VA Loans in the U.S. 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 U.S. 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 U.S. 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 www.VA.gov. Explore our other programs: FHA loans in the U.S. Virgin Islands Apply Now or call (561) 312-7777  

USDA Loans in the U.S. Virgin Islands — 100% Financing for Eligible Areas

USDA loans in the U.S. 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 www.USDA.gov. Check out our Conventional loans in the U.S. Virgin Islands Apply Now or call (561) 312-7777  

Conventional Loans in the U.S. Virgin Islands — Flexible Home Financing

Our conventional loans in the U.S. 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 (561) 312-7777 Explore our VA loans in the U.S. Virgin Islands