Team Kristen, led by Kristen Hordyk (NMLS #2564353), arranges purchase, refinance and investment property loans in Port Orchard, Washington. Port Orchard 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 Port Orchard
Commuter and military buyers, with a mix of VA, FHA and conventional purchases.
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 Port Orchard
| 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 Port Orchard
- 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: Bremerton, Silverdale.
Common questions
Who is a mortgage broker in Port Orchard, WA?
Kristen Hordyk of Team Kristen (NMLS #2564353) is a Washington-licensed mortgage loan originator who arranges loans in Port Orchard and across Kitsap County.
What is the 2026 conforming loan limit in Port Orchard?
$832,750 for a one-unit home, the Kitsap County limit. Loans above that are jumbo.
Can I buy a home in Port Orchard 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.

