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. MCB is also cognizant that individuals relocating to the Virgin Islands need acquisition financing to buy or build their dream home. Consequently, MCB provides mortgage financing for one (1) to four (4) family owner and non-owner occupied residential properties. MCB provides a full range of residential real estate financing products and services for all stages of real estate acquisition and development. We can structure financing terms appropriate for the stage of property development and/or the financial situation of the borrower. MCB provides financing for all types of residential real estate including:

Land Acquisition

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


Interim construction loans for the development of both owner occupied and non-owner occupied residential dwellings. Our interim construction loans are convertible into permanent financing of up to five (5) years with amortizations up to 20 years.

Acquisition or Refinance

Loans to acquire or refinance existing residential properties with amortizations up to 20 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.

You are leaving Merchants Commercial Bank

By clicking Continue, you will be taken to a website that is not affiliated with Merchants Commercial Bank. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Merchants Commercial Bank's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Merchants Commercial Bank.


Unsecure Email Disclosure

Your privacy is very important to us. We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.