Home Loans

Home Loan Programs Made for You

Zero Down Home Loans

Homeownership is attainable for everyone with our zero down payment option, low rates, and flexible terms.

Apply Now

3% Down Home Loans

Putting down a little could mean a lot. This low down payment option could give you the flexibility you need.

Apply Now

We’re a Portfolio Lender

We lend our own money, so we have the flexibility to qualify your loan based on what makes sense for you.

Apply Now

Self Employed Specialists

We specialize in self-employed lending and services, so we understand what makes your home loan unique.

Apply Now

Jumbo Loans – 5% Down

Don’t have a huge down payment ready for the home of your dreams? Our Jumbo Loan only require 5% down!

Apply Now

Construction Loans

Ready to build the home of your dreams on the land you already own? A Construction Loan can get your project started.

Apply Now

FHA, VA, USDA, Conventional

Your home loan expert is here to help you find the right home loan program to fit your unique needs.

Apply Now

Home Equity Loans

Ready for a remodel? Want to consolidate your debt? A Home Equity Loan or Line of Credit may be right for you.

Apply Now

Home Affordability Calculator
Learn how much home you can afford

Mortgage Refinance Calculator
Learn when to Refinance Your Mortgage

Home Loan Calculators
View all home loan calculators

Schedule an appointment

Get Rate Quote

Apply Now



EARN UP TO $9,500 CASHBACK WHEN YOU BUY OR SELL A HOME+

Introducing Kitsap Credit Union Home Rewards.

Learn More


Which Home Loan Is Right for You?


Rate Stability Potential for Rate Improvement No Minimum Down Payment
Conventional Loan (Fixed Rate)
Conventional Loan (Adjustable Rate)
FHA Loan
VA Loan
USDA Loan
Jumbo
Have A Question

Apply Now


Our Home Loan Options


Conventional Loan


Most popular mortgage loan type with a variety of available options.

  • Choose between fixed and adjustable rates.
  • Low closing costs.
  • Conforming and Jumbo loan amounts available.
  • Mortgage insurance required when the loan-to-value (LTV) ratio is greater than 80%.1
  • Low down payment options.
Apply Now



Federal Housing Administration (FHA) Loan


Qualify for a mortgage even if you're just starting to build credit and can't set aside much for a down payment.

  • Choose between fixed and adjustable rates.
  • Low closing costs.
  • Max loan amount is based on the location of the property.
  • FHA Mortgage insurance required for the life of the loan.
  • Low down payment options.
Apply Now



U.S. Department of Veterans Affairs (VA) Loan


Are you a veteran or service member? You might be eligible for 100% financing through a VA loan.

  • Choose between fixed and adjustable rates.
  • Low closing costs.
  • Max loan amount is based on your eligibility and the location of the property.
  • Mortgage insurance is not required.
Learn About
VA Home Loans

Apply Now



USDA Loan


  • Choose between fixed and adjustable rates.
  • Low closing costs.
  • Eligibility subject to household income and location of the property.
  • Mortgage insurance is not required.
  • No down payment required.
Learn About USDA
Loan Eligibility

Apply Now



Construction Loans

Ready to build the home of your dreams?

  • Build the home you’ve always wanted on the land you already own.
  • One-time closed loan program – no need to get requalified for the permanent home loan.
  • Loan is uniquely structured to your situation.
Apply Now



12-Year Fixed No Cost Refinance 2


If you've owned your home for some time, took out a mortgage when rates were higher, and/or plan to sell your home in a few years, it might be time to refinance. Get a new rate and term with our 12-Year Fixed No Cost Refinance loan option.

Apply Now!




Disclosure

1Loan-to-value ratio equals the loan amount divided by the property's appraised value.

2No cost refinance - Borrower is responsible for paying all fees and charges related to the existing loan (for example, payoff demand, reconveyance fee and/or any prepayment penalty imposed existing lender). The borrower is responsible for payment of property taxes and insurance premiums (if due).

+ The Kitsap Credit Union Home Rewards is offered in partnership with HomeStory Real Estate Services, a licensed real estate broker. HomeStory Real Estate Services is not affiliated with Kitsap Credit Union, and Kitsap Credit Union is not responsible for the program provided by HomeStory Real Estate Services. Obtaining a mortgage from Kitsap Credit Union is optional and not required to participate in the program offered by HomeStory Real Estate Services.

Qualifying for the reward requires using a real estate agent that participates in HomeStory's broker to broker agreement to complete the real estate buy and/or sell transaction. Real estate agent fees and commissions still apply. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Kitsap Credit Union is not responsible for the reward. Kitsap Credit Union loans subject to credit approval. Offer subject to change or cancellation without notice. See Terms and Conditions for more information.