Mortgages

Financing is readily available from local banks and mortgage lenders and brokers (see links below). As in the continental U.S., we have similar lending options including FHA, VA, conforming loans, conventional and jumbo mortgages. We recommend shopping for the best rate which should be rather competitive with stateside norms…with interest rates at all-time lows at present! Lenders can be quite creative in providing the best financing option based on your individual needs. Below is the list of local banks and mortgage sources.

First Bank – www.firstbankvi.com
Bank of Nova Scotia – www.scotiabank.com
Banco Popular – www.popular.com
Bank of St. Croix – www.bankofstcroix.com
First Liberty Mortgage – www.firstlib.com
Flagstar – www.flagstar.com
Schaffer Mortgage – http://schaffermortgagec.lendingoutpost.com/default.aspx

Testimonials

My wife and I were new to the island and needed a professional, yet friendly realtor that knew the ins and outs of island life. David went out of his way to meet us and understand all of our wants and needs, and exceeded every expectation that we could have imagined. On short notice he enabled us to see a wide range of places, yet was very good about keeping them within our desired criteria. With ample help from David our closing was a smooth and timely process. We appreciate all this help pre and post closing in getting acclimated to the island ensuring a smooth and happy adjustment to island life. — Mark Jensen

I was impressed with David Fedeles' professionalism in both helping me find a home rental, and the subsequent purchase of my condo. His tenacity to see the transaction properly through completion was unlike any other agent on island. I would have no hesitation to recommend David to any of my friends or business relationships — Tom Sauve

David, you are nothing less than a miracle worker! You managed to find a buyer for our land in this very trying real estate market. This is the second time we've put ourselves into your hands with property to sell. We wouldn't hesitate to call again on you, or to enthusiastically recommend you, for your services. Your knowledge and experience are perfectly matched by your patience and perseverance. — Karen & Hank Gold Lanesboro, MA

David Fedeles is quite simply the hardest-working man in St. Croix. We’ve dealt with him three times—each time in a more challenging real estate market—and benefited from his amazing work-ethic, knowledge and instincts. In times like these, with accountability in seemingly short supply, David is a man who does what he says he’ll do. If you’re buying or selling in St. Croix, there’s David Fedeles…and then everybody else. — Jeff Millman Baltimore, Maryland

David met us at the airport and immediately we believe David knew us and what we wanted. We found the condo we wanted and David put us in contact with all the right people. From offer to close was only 60 days—not even that quick in the continental 50. David has a very good sense of humor and is very energetic and fun. He not only sells real estate, he sells the dream. David Fedeles is not only our real estate agent, he is also our friend, and when we go to St. Croix we look him up and he always makes time for us. — David and Kim Souza