Melanie Cruson Loan Officer | NMLS ID 2607076

Were you referred to or are you currently working with one of our loan officers?

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Choose the loan officer you are working with

Can't find the loan officer I'm working with

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Now that you got the ball rolling lets take it a step further.

I just have a few more questions to ask you.

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Personal

Funds

[[first-name]]'s Income

Co-Borrower's Income

Declarations

Done

Where will you get the funds you'll use to buy your new home?

Gift

Bank Account

The sale of your current home

Next

List all your Bank Accounts

Account Type

Bank Name

Balance

$

Name on Account

[[first-name]] [[last-name]]

[[co-borrower-first-name]] [[co-borrower-last-name]]

Both

Account Type

Bank Name

Balance

$

Name on Account

[[first-name]] [[last-name]]

[[co-borrower-first-name]] [[co-borrower-last-name]]

Both

Next

What's the listing price of your current home?

Current Home Listing Price

$

Next

What's the mortgage balance on your current home?

Current Mortgage Balance

$

Next

Thanks, [[first-name]]!

You're off to a great start.

Feel free to start uploading loan documents to speed up the process. A list of needed documents will appear when you click on Upload Documents below. I will be in touch shortly with the next steps for completing your loan application. If you have any questions, please don't hesitate to contact me.

Upload Documents Give me a call Send me an email

Virgin Bay Mortgage | NMLS ID 130829

A2-7, Red Hook Quarters, 6100, No. 2 Suite, St. Thomas, U.S. Virgin Islands 00802

NMLS Consumer Access

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Property Type Definitions

Single-Family: A structure that doesn’t share doors or walls with another home or building.
Multifamily: A building or complex with 2–4 units owned by the same person.
Condominium: A unit within a building or complex with multiple units. The unit is owned by an individual(s).
Townhouse: A home that is side-by-side with another home(s) and shares walls with that property.
Mobile: A detached residential dwelling unit designed for transportation after fabrication on streets or highways on its own wheels or a flatbed or other trailer.
Manufactured: A type of housing that has been or can be transported. These typically have a steel under-carriage (Common examples are mobile homes and double-wides).

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Property Use

How you use your home can determine the type of loan you might qualify for. It can also impact how much of a down payment you need or how much you can borrow.

Primary Residence: This is where you live full-time.
Second Home: You live here part time or seasonally.
Investment Property: You’ll use this property for income. You do not live here at all.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Consent Agreement

By providing your phone number, you consent and agree to being contacted by us regarding your loan inquiry and mortgage products and services at the telephone number provided. You agree that we, or one of our authorized third parties, may contact you, including through automated means, via telephone or mobile device, even if your telephone number is listed on a Do-Not-Call registry. This consent is not required to obtain our goods and services. If you prefer to be contacted by other means, please contact us via the information below.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Why are we collecting this information?

Your date of birth is required so that we can obtain a current copy of your credit report.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Why are we collecting this information?

Your Social Security number (or ITIN number if you are not a U.S. Citizen) is required so that we can obtain a current copy of your credit report.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

What if I’m applying with 3 or more people?

This application can be completed online with one other person.

Please contact your loan team if you want to add 2 or more people to your application.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Consent Agreement

By providing their phone number, they consent and agree to being contacted by us regarding this loan inquiry and mortgage products and services at the telephone number provided. They agree that we, or one of our authorized third parties, may contact them, including through automated means, via telephone or mobile device, even if their telephone number is listed on a Do-Not-Call registry. This consent is not required to obtain our goods and services. If they prefer to be contacted by other means, please contact us via the information below.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Why are we collecting this information?

Your date of birth is required so that we can obtain a current copy of your credit report.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Why are we collecting this information?

Your Social Security number (or ITIN number if you are not a U.S. Citizen) is required so that we can obtain a current copy of your credit report.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Demographic Information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for 'Ethnicity.' The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. If you do not wish to provide some or all of this information, please skip or indicate that via the corresponding option.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Demographic Information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for 'Race.' The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. If you do not wish to provide some or all of this information, please skip or indicate that via the corresponding option.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Demographic Information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for 'Sex.' The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. If you do not wish to provide some or all of this information, please skip or indicate that via the corresponding option.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Preferred Language

Your loan transaction is likely to be conducted in English. This question requests information to see if communications are available to assist you in your preferred language. Please be aware that communications may NOT be available in your preferred language.

Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents in your preferred language. However, it may let them assist you or direct you to persons who can assist you.

Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. To find a housing counseling agency, contact one of the following Federal government agencies:

U.S. Department of Housing and Urban Development (HUD) at (800) 569-4287 or https://www.hud.gov/program_offices/housing/sfh/hcc.
Consumer Financial Protection Bureau (CFPB) at (855) 411-2372 or www.consumerfinance.gov/find-a-housing-counselor.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Demographic Information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for 'Ethnicity.' The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. If you do not wish to provide some or all of this information, please skip or indicate that via the corresponding option.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Demographic Information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for 'Race.' The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. If you do not wish to provide some or all of this information, please skip or indicate that via the corresponding option.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Demographic Information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for 'Sex.' The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. If you do not wish to provide some or all of this information, please skip or indicate that via the corresponding option.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Preferred Language

Your loan transaction is likely to be conducted in English. This question requests information to see if communications are available to assist you in your preferred language. Please be aware that communications may NOT be available in your preferred language.

Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents in your preferred language. However, it may let them assist you or direct you to persons who can assist you.

Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. To find a housing counseling agency, contact one of the following Federal government agencies:

U.S. Department of Housing and Urban Development (HUD) at (800) 569-4287 or https://www.hud.gov/program_offices/housing/sfh/hcc.
Consumer Financial Protection Bureau (CFPB) at (855) 411-2372 or www.consumerfinance.gov/find-a-housing-counselor.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Contact Info

person

Digital Business Card

phone

206-779-6727

mail_outline

melanie@virginbay.com

Property Type Definitions
Single-Family

A structure that doesn’t share doors or walls with another home or building.
Multifamily

A building or complex with 2–4 units owned by the same person.
Condominium

A unit within a building or complex with multiple units. The unit is owned by an individual(s).
Townhouse

A home that is side-by-side with another home(s) and shares walls with that property.
Mobile

A detached residential dwelling unit designed for transportation after fabrication on streets or highways on its own wheels or a flatbed or other trailer.
Manufactured

A type of housing that has been or can be transported. These typically have a steel under-carriage (Common examples are mobile homes and double-wides).

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Property Use
How you use your home can determine the type of loan you might qualify for. It can also impact how much of a down payment you need or how much you can borrow.
Primary Residence

This is where you live full-time.

Second Home

You live here part time or seasonally.

Investment Property

You’ll use this property for income. You do not live here at all.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Consent Agreement

By providing your phone number, you consent and agree to being contacted by us regarding your loan inquiry and mortgage products and services at the telephone number provided. You agree that we, or one of our authorized third parties, may contact you, including through automated means, via telephone or mobile device, even if your telephone number is listed on a Do-Not-Call registry. This consent is not required to obtain our goods and services. If you prefer to be contacted by other means, please contact us via the information below.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Why are we collecting this information?

Your date of birth is required so that we can obtain a current copy of your credit report.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Why are we collecting this information?

Your Social Security number (or ITIN number if you are not a U.S. Citizen) is required so that we can obtain a current copy of your credit report.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

What if I’m applying with 3 or more people?

This application can be completed online with one other person.
Please contact your loan team if you want to add 2 or more people to your application.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Consent Agreement

By providing their phone number, they consent and agree to being contacted by us regarding this loan inquiry and mortgage products and services at the telephone number provided. They agree that we, or one of our authorized third parties, may contact them, including through automated means, via telephone or mobile device, even if their telephone number is listed on a Do-Not-Call registry. This consent is not required to obtain our goods and services. If they prefer to be contacted by other means, please contact us via the information below.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Why are we collecting this information?

Your date of birth is required so that we can obtain a current copy of your credit report.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Why are we collecting this information?

Your Social Security number (or ITIN number if you are not a U.S. Citizen) is required so that we can obtain a current copy of your credit report.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Demographic Information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for 'Ethnicity.' The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. If you do not wish to provide some or all of this information, please skip or indicate that via the corresponding option.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Demographic Information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for 'Race.' The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. If you do not wish to provide some or all of this information, please skip or indicate that via the corresponding option.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Demographic Information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for 'Sex.' The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. If you do not wish to provide some or all of this information, please skip or indicate that via the corresponding option.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Preferred Language
Your loan transaction is likely to be conducted in English. This question requests information to see if communications are available to assist you in your preferred language. Please be aware that communications may NOT be available in your preferred language.

Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents in your preferred language. However, it may let them assist you or direct you to persons who can assist you.

Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. To find a housing counseling agency, contact one of the following Federal government agencies:
U.S. Department of Housing and Urban Development (HUD) at (800) 569-4287 or https://www.hud.gov/program_offices/housing/sfh/hcc.
Consumer Financial Protection Bureau (CFPB) at (855) 411-2372 or www.consumerfinance.gov/find-a-housing-counselor.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Demographic Information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for 'Ethnicity.' The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. If you do not wish to provide some or all of this information, please skip or indicate that via the corresponding option.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Demographic Information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for 'Race.' The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. If you do not wish to provide some or all of this information, please skip or indicate that via the corresponding option.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Demographic Information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for 'Sex.' The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. If you do not wish to provide some or all of this information, please skip or indicate that via the corresponding option.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Preferred Language
Your loan transaction is likely to be conducted in English. This question requests information to see if communications are available to assist you in your preferred language. Please be aware that communications may NOT be available in your preferred language.

Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents in your preferred language. However, it may let them assist you or direct you to persons who can assist you.

Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. To find a housing counseling agency, contact one of the following Federal government agencies:
U.S. Department of Housing and Urban Development (HUD) at (800) 569-4287 or https://www.hud.gov/program_offices/housing/sfh/hcc.
Consumer Financial Protection Bureau (CFPB) at (855) 411-2372 or www.consumerfinance.gov/find-a-housing-counselor.

Still have questions?
Give me a call or send me an email.

phone 206-779-6727
mail_outline melanie@virginbay.com

Melanie Cruson

Loan Officer | NMLS #2607076

6100 Red Hook Quarters Suite A2-7 St Thomas, VI 00802

Virgin Bay Mortgage
NMLS #130829

A2-7, Red Hook Quarters, 6100, No. 2 Suite, St. Thomas, U.S. Virgin Islands 00802

person

Digital Business Card

phone

206-779-6727

mail_outline

melanie@virginbay.com