NMLS #2564353 · Licensed in WA & NM (505) 917-0495Realtor CornerClient portal sign in

Bremerton mortgage broker

Team Kristen, led by Kristen Hordyk (NMLS #2564353), arranges purchase, refinance and investment property loans in Bremerton, Washington. Bremerton is in Kitsap County, where the 2026 conforming loan limit for a one-unit home is $832,750. As a mortgage broker, Kristen compares programs from many wholesale lenders instead of one bank's.

Buying in Bremerton

Home to Naval Base Kitsap installations and the Puget Sound Naval Shipyard, so VA loans are routine.

Military buyers using VA loans are a large share of the market, along with commuters to Seattle by ferry.

Service members at Naval Base Kitsap can use VA financing with no down payment and no monthly mortgage insurance.

2026 loan limits for Bremerton

Loan type1-unit limit
Conforming$832,750
FHASet by HUD for Kitsap County (see county page)
VA (full entitlement)No VA loan limit
JumboAbove $832,750

Loan options in Bremerton

More about Kitsap County home loans. Nearby: Silverdale, Port Orchard.

Common questions

Who is a mortgage broker in Bremerton, WA?

Kristen Hordyk of Team Kristen (NMLS #2564353) is a Washington-licensed mortgage loan originator who arranges loans in Bremerton and across Kitsap County.

What is the 2026 conforming loan limit in Bremerton?

$832,750 for a one-unit home, the Kitsap County limit. Loans above that are jumbo.

Can I buy a home in Bremerton with a low down payment?

Yes. VA and USDA (at eligible addresses) allow 0% down, conventional allows 3% for first-time or income-eligible buyers, and FHA allows 3.5%. Washington down payment assistance may help further.

What clients say

I’m so grateful to have had Kristen as our loan officer during our home-buying journey. Buying a home can be incredibly stressful, especially with all the moving pieces involved, but Kristen was always there to answer my questions, explain things clearly, and keep everything moving forward. She was patient, responsive, and genuinely cared about helping my family get into our new home. I never felt like just another client. Thank you, Kristen, for all your hard work and for helping make this experience so much smoother for us. We truly appreciate you!
★★★★★Charisse S.Posted on Google

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