Payment Options

The Virgin Islands Housing Finance Authority has many payment options for borrowers to make their monthly mortgage payments. VIHFA believes in making your life simpler and giving you a greater peace of mind. 

Electronic Payment Options

Electronic payment options are convenient, safe and secure methods for paying your mortgage. The benefits of Electronic Payments are

  • Avoid late charges
  • Avoid long lines 
  • Convenient
  • Save time and money 

These options include:

  • Online Portal

    Our new online portal gives you the option to pay your mortgage from your credit card each month, view your loan details, view account activity and print statements.

    Online Portal

  • Direct Debit Request

    You can authorize an electronic funds withdrawal from your checking or savings account to electronically pay your mortgage.  With Direct Debit Request, funds are withdrawn on the 15th of each month for the  designated payment amount. If the 15th falls on a holiday or weekend, your account is debited on the next business day without  incurring a late fee. All you need is your financial institution’s routing transit number, your bank account number and your account type.

    Direct Debit Authorization Form

  • Credit Card Authorization

    You can electronically pay your mortgage by authorizing VIHFA to charge your VISA or MasterCard each month. With this feature,  funds  are withdrawn on the 1st or the 15th of each month for the designated payment amount.  All you need to do is fill out the  authorization form and submit a copy of the front and back of the credit card along with a  picture ID. The payment is listed on your account statement as proof of payment. It’s Convenient, Safe and Secure! 

    Credit Card Authorization Form

  • Online Bill Pay (Only at Banco Popular)

    Online Bill Pay gives borrowers who have a Banco Popular account 24/7 access to make an online payment from their checking or savings account. This service can be accessed at

  • Pay-by-Phone

    Our newest option of payment is to make a payment over the phone using your credit card. You can electronically pay your mortgage by calling the office to authorize VIHFA to charge your VISA or MasterCard. With this feature, borrowers must have the card on hand to provide information. The funds are withdrawn immediately for the designated payment amount.  Just call (340) 777-4432 for St. Thomas and (340) 772-4432 for St. Croix and we will take care of your payment for you. 

    These payment methods provide you with ways to make paperless mortgage payments. So, there’s no check to write, no money order to purchase and no voucher to mail! Take care of it all from home or have it scheduled so you don't have to worry about it each month. 


Visit the Office

Pay your bill with a check, money order, ATH or credit card at our offices which are located at 3202 Demarara Plaza, Suite 200 in St. Thomas or 100 Lagoon Complex, Suite 4 in Frederiksted, St. Croix. The payment window closes at 4:00 p.m. daily. Any payments received after 4:00 p.m. will be credited the next business day.


Mail-In Payments

You also have the option to send your payment by mail. Just send the bottom portion of the statement along with a check or money order to our office. Mail in payments must be received at the office on or before the 15th of the month. If you wish to receive a receipt, you may also include a self-addressed envelope and we will mail a receipt back to you.