Team Kristen arranges home purchase and refinance loans throughout Kitsap County, Washington, including Bremerton, Silverdale, Poulsbo, Port Orchard, Bainbridge Island and Kingston. The 2026 conforming loan limit for a one-unit home in Kitsap County is $832,750; loans above that are jumbo.
2026 loan limits in Kitsap County
| Loan type | 1-unit limit |
|---|---|
| Conforming (Fannie Mae / Freddie Mac) | $832,750 |
| FHA | Set by HUD, at least $541,287. Look up Kitsap County |
| VA (full entitlement) | No VA loan limit |
Source: FHFA and HUD 2026 limits. Updated each January.
Buying and refinancing in Kitsap County
Military buyers using VA loans are a large share of the market, along with commuters to Seattle by ferry.
Service members and veterans stationed at or retiring from Naval Base Kitsap can use VA financing with no down payment and no monthly mortgage insurance. See VA loans in Washington.
Programs that fit Kitsap County buyers
- Conventional (3% down for first-time buyers)
- FHA (3.5% down with a 580+ score)
- VA (0% down for eligible veterans)
- USDA (0% down in eligible areas outside town centers)
- Bank statement loans for self-employed buyers
- DSCR loans for rental properties
- WSHFC down payment assistance
Communities served
Bremerton, Silverdale, Poulsbo, Port Orchard, Bainbridge Island, Kingston, and every other address in Kitsap County. County seat: Port Orchard.
Common questions
What is the 2026 conforming loan limit in Kitsap County, WA?
$832,750 for a one-unit home. That's the national baseline; only King, Pierce and Snohomish counties are higher.
Is there a mortgage broker who serves Kitsap County?
Yes. Kristen Hordyk of Team Kristen is licensed in Washington and arranges loans for buyers and homeowners in Kitsap County, including Bremerton.
Can I get a 0% down loan in Kitsap County?
VA loans offer 0% down for eligible veterans anywhere in the county. USDA loans offer 0% down at USDA-eligible addresses, which include many areas outside town centers; income limits apply.