Memories Also Live Here

We’ve been helping our neighbors finance their dream home for more than 90 years. In fact, we offer a range of home loan options - including Fixed, ARMs, FHA, VA, and many more. 

Competitive Rates & Personalized Service

With 90+ years of service, we offer competitive rates and a personalized experience tailored to your lifestyle.

90+ Years of Trusted Service

Experience expert guidance and local knowledge from a financial institution
with decades of service

Available to All Washington Residents

If you live in Washington, you're eligible to apply for a mortgage with Kitsap Credit
Union.
 

Looking for a Home Equity Loan?

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Conventional Loan

One of the most popular mortgage loans with a variety of available options.

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

 

Federal Housing Administration (FHA) Loan

Even if you are just starting to build credit, or setting aside some funds for a down payment, a FHA loan is a great option. 

  • 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.

 

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

Are you a veteran or a current service member? You could qualify 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**.

 

USDA Loans

Loans through the U.S. Department of Agriculture are a great fit for some borrowers.

  • Choose between fixed and adjustable rates.
  • Low closing costs.
  • Eligibility subject to household income, and location of the property.
  • Mortgage insurance is not required***.
  • You may qualify for 100% financing.

Looking for a Home Equity Loan?

Accessing your home's equity can mean lower rates on your other bills, a remodel, paying for college or other life expenses. Get started today and begin your path toward financial freedom.


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Disclosures

VA Mortgage Loan Funding Fee

** VA loans: one-time funding fee, which will be a percentage of the loan's total value, in lieu of mortgage insurance.

USDA Mortgage Loan Annual Fee

*** USDA loans: annual fee included in monthly installments in lieu of mortgage insurance.

All loans subject to approval.