Mortgage options in US territories — Guam, USVI, American Samoa, CNMI. FHA, VA, and local program availability.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Guam: FHA, VA, and conventional available. GHURA housing programs
- US Virgin Islands: FHA, VA available. VIHFA first-time buyer programs
- American Samoa: Limited mortgage availability. VA loans for eligible veterans
- CNMI (Northern Mariana Islands): FHA, VA available. Limited lender options
- VA loans available in all US territories for eligible veterans
- FHA loans available in most territories with territory-specific limits
- Conventional (Fannie Mae/Freddie Mac) availability varies by territory
- Local housing finance agencies may offer additional programs