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
with decades of service
Available to All Washington Residents
Union.
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.
Construction Loans
If you are ready to turn your dream home into reality, we can help with our special Construction Loans.
- Build a home that's as unique as your needs.
- One-time closed loan program – no need to get requalified for a permanent home loan.
- Loans structured to meet your unique needs.
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.
Get preapproved today!
Apply for a mortgage today—get preapproved and start touring homes tomorrow.
Mortgage FAQ
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It's always a good idea to get pre-approved before shopping for a new home. Getting pre-approved with a lender provides peace of mind that your credit and income meets the guidelines for the loan amount you have requested.
It helps identify an appropriate budget for the value of the home you are shopping for. It also shows sellers you are a serious buyer in the negotiation process.
Competitive rates with expert advice you can trust from your local neighborhood lender.
Whether you 're a first time home buyer, looking to refinance, or want to take advantage of special VA, USDA, or FHA home loan programs, Kitsap Credit Union has the right experts to land you the home of your dreams and guide you through the process from start to finish.
Apply now to take advantage of:
- Today 's low rates
- Fast pre-approvals
Looking to apply for a mortgage?
Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.
Get a Rate Quote today and Apply Now to get pre-approved!
If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, call us at 877-817-0279 or email us at HomeLoans@kitsapcu.org.
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At this time, Kitsap Credit Union does not have a notification system that could contact you when rates are updated.
You can always visit our Mortgage Web Center for today’s rates, or stop by a local branch.
Looking to apply for a mortgage?
Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.
Get a Rate Quote today and Apply Now to get pre-approved!
If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, call us at 877-817-0279 or set up an appointment with our Business team through our Online Appointment Scheduler.
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Yes! Kitsap Credit Union offers VA and FHA loans and more for property located in the state of Washington.
Apply now to take advantage of:
- Today's low rates
- Fast pre-approvals
Ready to get started? View our current rates and apply now!
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We currently offer commercial and business construction loans, including loans for non-profit organizations. For more information on these loans, contact one of our Member Business Lending experts today!
At this time, we do not have residential construction loans. If you would like more information or are interested in applying for a home mortgage, please visit our mortgage page.
Running a business is not easy, but banking at Kitsap Credit Union is.
As a local community Credit Union, Kitsap will provide:
- Secured term loans and lines of credit
- Loan terms customized to work for you
- Competitive rates
- Experts with knowledge of the local market
Apply for a business loan today!
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We offer FHA and USDA financing which can be a good option for those making their first home purchase.
- FHA loans are excellent for first-time home buyers because, in addition to looser credit requirements, they allow low down payments.
- USDA loans are also a good option if applicants meet income guidelines and the property is located in an eligible area.
Looking to apply for a mortgage?
Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.
Get a Rate Quote today and Apply Now to get pre-approved!
If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, call us at 877-817-0279 or set up an appointment with our Business team through our Online Appointment Scheduler.
Not a member yet?
Applying is fast and easy! You will need the following information in order to complete the application:
- Government issued ID/Driver's license/State ID or Passport with current address
- Current physical and mailing address
- Social Security Number
- Date of Birth
Click here to apply now!
We offer FHA and USDA financing which can be a good option for those making their first home purchase.
- FHA loans are excellent for first-time home buyers because, in addition to looser credit requirements, they allow low down payments.
- USDA loans are also a good option if applicants meet income guidelines and the property is located in an eligible area.
Looking to apply for a mortgage?
Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.
Get a Rate Quote today and Apply Now to get pre-approved!
If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, call us at 877-817-0279 or set up an appointment with our Business team through our Online Appointment Scheduler.
Not a member yet?
Applying is fast and easy! You will need the following information in order to complete the application:
- Government issued ID/Driver's license/State ID or Passport with current address
- Current physical and mailing address
- Social Security Number
- Date of Birth
Click here to apply now!
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.