Top 3 Mortgage Lenders in Bainbridge Island

Kitsap Credit Union is one of the most trusted local financial institutions serving Bainbridge Island and the greater Kitsap Peninsula. With deep community roots spanning over 85 years, they offer personalized mortgage services with competitive rates and exceptional member service. Their mortgage team specializes in both purchase and refinance loans, with particular expertise in helping first-time homebuyers navigate the unique Bainbridge Island market. Members consistently praise their local decision-making, transparent process, and commitment to finding the right loan solutions.

Mortgage Advisory Group has built an outstanding reputation serving the entire Puget Sound region, including Bainbridge Island, with their expert mortgage brokerage services. As a local boutique firm, they leverage relationships with multiple lenders to secure competitive rates and flexible terms. Their team excels in complex financing scenarios, jumbo loans for high-value Bainbridge properties, and providing white-glove service throughout the lending process. With hundreds of 5-star reviews, they're known for their responsiveness, market knowledge, and ability to close loans efficiently.

Guild Mortgage's Poulsbo branch has been serving Bainbridge Island and Kitsap County homeowners for decades with their comprehensive mortgage services. As a direct lender with local processing and underwriting, they offer faster closings and personalized service. Their experienced loan officers understand the unique aspects of the Bainbridge Island real estate market, including waterfront properties and varying neighborhood characteristics. With strong VA loan expertise and a wide range of loan products, they consistently receive high marks for their professional service, competitive rates, and smooth closing experiences.