Types of Home Loans We Offer
- Conventional Loans – choose between fixed and adjustable rates with low down payment options.
- Federal Housing Administration (FHA) Loans – even if you are just starting to build credit, or setting aside funds for a down payment, a FHA loan is a great option.
- U.S. Department of Veterans Affairs (VA) Loans** – are you a veteran or a current service member? You could qualify for 100% financing.
- USDA Loans*** – Loans through the U.S. Department of Agriculture are a great fit for some borrowers and you may qualify for 100% financing.
Why Choose a Kitsap Credit Union Mortgage?
- Wide range of loan offerings
- Competitive rates & closing costs
- Dedicated mortgage specialist through Members First Mortgage
- Streamlined processing and clear communication
- Expedited closings
- Support from application to closing and beyond
Meet Your Mortgage Partner
Our trusted partner at MembersFirst Mortgage, Ryan Dierdorf (NMLS ID #895065), is available to answer questions and guide you through your options.
Direct: 469.409.5779
Toll Free: 855.636.1057
MembersFirst Mortgage NMLS ID #149532
Mortgage FAQ
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We partner with MembersFirst Mortgage to offer you more home loan options, competitive solutions, and the guidance of dedicated mortgage specialists. MembersFirst processes and services our mortgage loans, so you receive expert support throughout your homeownership journey—while still enjoying the personal, member-focused service you trust from Kitsap Credit Union.
Founded in 2001, MembersFirst Mortgage has earned a strong reputation as a leading mortgage provider for credit unions and their members. Guided by the credit union philosophy of “People Helping People”, their team brings decades of experience and a service-first approach that sets them apart in the mortgage industry. -
Yes! Kitsap Credit Union remains your primary financial partner. MembersFirst Mortgage handles the loan processing and servicing, but our team is here to support you, answer questions, and guide you at every step.
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Your mortgage will be serviced by MembersFirst Mortgage, meaning they will manage your payments, escrow, and ongoing loan support. You’ll have access to a dedicated servicing team for the life of your loan.
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Not at all. In fact, it expands them. MembersFirst Mortgage offers a broad variety of loan programs—including conventional, FHA, VA, USDA, jumbo loans, and refinancing options—so you can choose the mortgage that fits your needs.
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You can connect directly with our mortgage partner, Ryan Dierdorf at MembersFirst Mortgage, for guidance and next steps.
Toll-free: 855.636.1057
NMLS ID #895065 / MembersFirst Mortgage NMLS ID #149532
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Yes. MembersFirst Mortgage uses industry-standard security measures and works exclusively with credit union members. Your information is handled safely and confidentially throughout the mortgage process.
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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 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.