A United States lender for Jamaica’s diaspora.
Antilles Financial Group originates, underwrites and services U.S. dollar residential mortgages for Jamaicans who live and earn in the United States, secured by registered title in Jamaica.
Over a million Jamaicans in the United States. Buying a home in Jamaica should not be this hard.
The collateral sits outside the agency programs and the appraisal and title systems U.S. mortgage lending is built on. What financing exists is occasional and private, not a program a borrower can count on.
Some serve the diaspora well and in person. The product is still a Jamaican one: a paper file, a Jamaican account, a variable rate and often lower leverage, with months between application and ownership.
A U.S. style file, decided in days. A fixed rate for the life of the loan. A mortgage on registered Jamaican title, closed by Jamaican counsel and enforced under a lender friendly legal system.
One platform, three functions, two legal systems.
Applications from Jamaicans in the United States, taken the way any U.S. lender takes them: credit pulled by the lender, thirty days of pay stubs, two months of statements, two years of W2s, electronic signatures. Pre approval in days.
A written credit policy: a 660 minimum FICO score, verified U.S. income and reserves, loan to value tiered by parish, registered title with no exceptions, independent RICS valuation on the ground in Jamaica, and a credit committee on every loan.
Payments, escrow for property tax and insurance, and reporting from a U.S. servicing platform, with Jamaican counsel handling registration, discharge and, where needed, enforcement by power of sale.
Built on advice from both sides of the water.
The note, guaranty and loan agreement are governed by U.S. law and signed in the United States. Fund formation and lending compliance are advised by U.S. counsel.
The mortgage is registered on the Certificate of Title in the fund’s name. Jamaican counsel acts as closing agent on every loan and handles registration, discharge and enforcement by power of sale.
Every property is valued in Jamaica by a Registered Valuer of the Royal Institution of Chartered Surveyors, ordered independently of loan production.
Loan accounting, escrow for property tax and insurance, borrower statements and investor reporting run on a U.S. servicing platform.
Jamaican American Home Mortgage is the Antilles lending program for people who live in the United States. Lending begins in 2027.
Investors, lenders and Jamaican financial institutions.
Antilles works with a small number of institutional partners. Write to us with your institution and your interest, and we will respond directly.
110 E. Broward Blvd., Suite 1700
Fort Lauderdale, FL 33301