Business Details
26 Years
experience
Your Trusted Mortgage Broker in West Palm Beach, FL
Buccaneer Mortgage TheGoodPirates Home Loans has been dedicated to helping families achieve homeownership since 2000. Our team of seasoned professionals specializes in providing tailored mortgage solutions that meet the unique needs of clients across Florida, Georgia, and the U.S. Virgin Islands. With over two decades of experience, we combine local market expertise with national resources to deliver clear, transparent guidance throughout the home financing process.Our mission centers on honest service, personalized support, and ensuring clients secure the right mortgage at the right time. We maintain fast closing timelines, competitive rates, and a client-first approach that has earned us trust in the communities we serve.
Services
FHA Loans
VA Loans
USDA Loans
Conventional Loans
Refinance Help
Second Mortgages
Jumbo Loans
Non-QM Loans
Home Equity Loans
Cash Back Loans
Details
- Year established: 2000
Highlights and features
- More than 20 years of trusted mortgage brokerage experience
- Local market expertise combined with national resources
- Transparent advice with no hidden surprises
- Fast closings and competitively negotiated interest rates
- Client-focused team dedicated to personalized service
Associations and certifications
- NMLS
Services
FHA Loans
FHA loans provide low down payment options starting at 3.5% with flexible credit requirements. These government-backed mortgages suit first-time buyers or those with limited savings, offering competitive rates and seller-paid closing costs up to 6%. Ideal for clients seeking accessible homeownership opportunities in Florida, Georgia, and the U.S. Virgin Islands.
VA Loans
VA loans deliver 100% financing with no down payment or private mortgage insurance. Designed for eligible veterans and military families, these zero-down options feature competitive rates and energy-efficient upgrade allowances. We specialize in helping service members secure homes in St. Thomas, St. Croix, and St. John with streamlined approval processes.
Non-QM Loans
Non-QM loans cater to self-employed individuals and real estate investors with alternative income verification methods. Our programs accept bank statements, asset depletion, or DSCR calculations instead of traditional tax returns. These solutions work for clients needing fast closings, foreign nationals, or those with unique financial profiles that don't fit standard lending criteria.
Second Mortgages
Second mortgage options provide access to home equity for renovations, debt consolidation, or investment opportunities. We offer fixed-rate terms from 10-30 years and flexible non-QM solutions allowing up to 90% loan-to-value ratios. These products work for primary residences, vacation homes, and investment properties across our service areas.
USDA Loans
USDA loans enable 100% financing for homes in eligible rural areas with minimal monthly costs. These fixed-rate mortgages require no down payment and allow seller-paid closing costs. We assist buyers in qualifying for USDA programs across St. Croix, St. Thomas, and St. John while navigating property eligibility requirements.
People
Derrick D. Berry
Founder
Derrick D. Berry founded Buccaneer Mortgage in 2000, bringing over two decades of mortgage industry experience. He leads with a commitment to honest service and helping families achieve homeownership through personalized financial solutions.
Questions
What mortgage options do you offer for first-time homebuyers?
We specialize in FHA loans requiring 3.5% down, USDA loans with zero down payments for rural areas, and conventional programs with 3% minimum down payments. Our team helps first-time buyers navigate these options to find the best fit.
Can self-employed individuals qualify for mortgages?
Yes, we offer Non-QM loans that accept bank statements, asset depletion, or DSCR calculations instead of traditional tax returns. These programs provide flexible income verification for self-employed borrowers and real estate investors.
Do you provide mortgage services in the U.S. Virgin Islands?
We offer FHA, VA, USDA, and conventional loans across St. Thomas, St. Croix, and St. John. Our team understands the unique requirements for Virgin Islands properties and guides clients through the entire process.
What are your current refinance options?
We provide rate-and-term refinancing, cash-out options, and streamline programs for existing FHA/VA/USDA loans. Our solutions help clients lower payments, access equity, or shorten loan terms with competitive market rates.
How do second mortgages work for home improvements?
Second mortgages let you tap into home equity for renovations. We offer fixed-rate terms and flexible non-QM options allowing up to 90% LTV, with funds usable for remodeling, modernization, or property upgrades.
