The Best Mortgage Lenders in Keyport, WA
Compare verified mortgage lenders serving Keyport, Washington. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Keyport
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender known for its exceptional customer service and competitive rates, serving the Keyport area through its Bremerton branch. With nearly three decades of experience, they specialize in a wide range of loan products and have built a strong reputation for streamlined processes and personalized support. Their high ratings reflect consistent customer satisfaction, making them a trusted choice for homebuyers in Kitsap County.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is highly regarded for its efficient loan processing and community-focused approach, with a local presence in Silverdale that serves Keyport residents. Founded in 2008, they offer a variety of mortgage options and are praised for their transparency and responsive service. Their strong customer reviews highlight a commitment to making home financing accessible and stress-free, backed by years of reliable performance in the Pacific Northwest.
Loan Types:
Caliber Home Loans
Caliber Home Loans, Inc.
Caliber Home Loans provides comprehensive mortgage solutions with a strong regional presence, serving Keyport from their Tacoma office. Established in 2008, they are known for competitive rates and flexible loan programs, catering to diverse borrower needs. With a focus on customer education and support, they have earned solid ratings and reviews for their professionalism and reliability in the Washington mortgage market.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Keyport, WA
Are there any special mortgage considerations for buying a home in Keyport, WA, given its proximity to Naval Base Kitsap?
Yes, lenders are very familiar with financing for military and civilian personnel at the base. It's common to use VA loans here, and lenders understand variable income like BAH. They also consider the stability of the local defense-driven economy, which can be favorable for loan approval.
What are typical down payment requirements for first-time homebuyers in Keyport's competitive market?
While the Kitsap County market is competitive, first-time buyers can often utilize Washington State Housing Finance Commission programs like the Home Advantage Loan with down payment assistance. Local credit unions also offer competitive first-time buyer products, with some programs allowing for as little as 3% down.
How do property types common in Keyport, like older waterfront cottages or homes with septic systems, affect the mortgage process?
These properties require special attention. Lenders will mandate thorough inspections for older homes, and a septic system must pass a certified inspection. For unique or non-warrantable properties, you may need a portfolio lender from the local market who understands these specific asset types.
Are mortgage rates in Keyport, WA, typically higher or lower than the national average?
Rates in Keyport generally align with national averages, but your specific rate is more influenced by your financial profile and the lender. Working with a local lender in Kitsap County who understands the market can sometimes provide more competitive terms and a smoother process for properties in the area.
What local or state programs are available to help with closing costs for a mortgage in Keyport?
Beyond the state Home Advantage program, the Kitsap County Consolidated Housing Authority (KCCHA) may offer down payment and closing cost assistance for income-eligible buyers. It's also worth exploring specific grants or programs from local credit unions like Kitsap Credit Union or Sound Credit Union that serve the area.
Why Choose a Mortgage Lender in Keyport?
Local Market Knowledge
Lenders who understand Keyport's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Washington.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Keyport and get competitive rates on your home loan.