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Mortgage Loans

Merchants Commercial Bank recognizes that residential properties in the Virgin Islands often represent both a home and a portion of earnings for many residents through their rental properties.

Whether you are living in the Virgin Islands or are thinking about relocating, MCB can provide financing to buy or build your dream home. MCB offers mortgage financing for 1-4 family owner and non-owner occupied residential properties, as well as multifamily residential properties (5 or more units), and provides a full range of products and services, including construction financing. We can structure financing terms appropriate for the stage of property development and/or the borrower’s financial situation. We can assist you with:

Land Acquisition

Term loans for land acquisition with maturities of three (3) years and amortizations up to 15 years.


Construction loans for the development of both owner and non-owner-occupied residential dwellings. Our construction loans are convertible into permanent financing of up to five (5) years with amortizations of up to 30 years.

Acquisition or Refinance

Loans to acquire or refinance existing residential properties with amortizations up to 30 years.

Home Equity Lines of Credit

Home equity lines of credit provide a funding source for home repairs, educational expenses, small business pursuits, or other personal needs, with flexible loan terms to fit each borrower’s financial situation.