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 type | 1-unit limit |
|---|---|
| Conforming | $832,750 |
| FHA | Set by HUD for Kitsap County (see county page) |
| VA (full entitlement) | No VA loan limit |
| Jumbo | Above $832,750 |
Loan options in Bremerton
- FHA loans
- VA loans
- Conventional loans
- USDA loans (eligible addresses)
- First-time buyer programs
- Investor & DSCR loans
- Refinance
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.

