Bremerton VA Loan Rates, Closing Costs & Stats

BREMERTON-SILVERDALE-PORT ORCHARD, WA

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Bremerton's 101 lenders originated 1,418 VA loans during 2024. The total origination value was $713,990,000, with an average VA loan value of $503,519.

    Bremerton VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Bremerton averaged -0.04% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Bremerton's average VA mortgage closing costs are $8,624.

    The average rate for the prior week (2025-06-13) was 6.4% and one month ago for the week of 2025-05-16, the average rate was 6.76%.

    The average rate one year ago was 6.46%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.44%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Bremerton VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Bremerton level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 162 5.76% $11,133
    Mortgage Research Center, LLC 103 6.22% $10,139
    CROSSCOUNTRY MORTGAGE, LLC 80 6.27% $9,448
    DHI MORTGAGE COMPANY, LTD. 77 5.21% $11,141
    NAVY FEDERAL CREDIT UNION 69 5.84% $9,690
    QUICKEN LOANS, LLC 65 5.90% $15,070
    NBKC BANK 58 5.64% $12,392
    HOMEAMERICAN MORTGAGE CORPORATION 53 5.11% $6,454
    MOVEMENT MORTGAGE, LLC 46 6.44% $13,935
    NEWREZ LLC 46 6.01% $12,075
    PENNYMAC LOAN SERVICES, LLC 44 5.58% $14,762
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 36 6.17% $17,274
    FREEDOM MORTGAGE CORPORATION 36 6.05% $12,657
    GUILD MORTGAGE COMPANY 31 5.92% $12,528
    EAGLE HOME MORTGAGE, LLC 29 5.91% $9,295
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 27 6.47% $10,040
    CMG MORTGAGE, INC. 23 5.87% $13,206
    BROKER SOLUTIONS, INC. 22 6.37% $13,153
    LOANDEPOT.COM, LLC 19 5.61% $27,083
    Cornerstone First Mortgage, Inc 17 5.93% $14,492
    VILLAGE CAPITAL MORTGAGE 15 5.60% $10,010
    MORTGAGE SOLUTIONS OF COLORADO, LLC 14 6.33% $8,421
    PRIMELENDING, A PLAINSCAPITAL COMPANY 14 6.40% $14,606
    INSPIRE HOME LOANS INC. 14 5.44% $12,075
    USAA Federal Savings Bank 13 6.18% $14,244
    CANOPY MORTGAGE, LLC 13 6.35% $23,314
    BAY EQUITY LLC 12 6.05% $10,864
    CORNERSTONE HOME LENDING, INC. 9 6.47% $10,897
    Mr. Cooper ( Nationstar Mortgage ) 8 6.08% $9,268
    AMERICAN FINANCIAL NETWORK, INC. 8 6.22% $11,114
    The Federal Savings Bank 8 6.11% $29,492
    PLANET HOME LENDING, LLC 8 5.10% $6,653
    1st Security Bank of Washington 8 6.14% $13,075
    AMERICAN PACIFIC MORTGAGE CORPORATION 8 6.38% $12,596
    MASON MCDUFFIE MORTGAGE CORPORATION 8 6.39% $16,370
    SAMMAMISH MORTGAGE COMPANY 7 6.04% $10,926
    LAKEVIEW LOAN SERVICING, LLC 6 5.83% $12,258
    Paramount Residential Mortgage Group, Inc. 6 6.08% $10,397
    HomeStreet Bank 5 5.60% $12,935
    Umpqua Bank 5 6.15% $11,145
    Armed Forces Bank 5 5.75% $3,913
    SCENIC OAKS FUNDING, INC. 5 6.60% $11,418
    GUARANTEED RATE, INC. 5 5.95% $9,619
    NEW DAY FINANCIAL, LLC 5 7.37% $12,070
    American Mortgage & Equity Consultants, Inc. 4 6.16% $12,567
    Century Mortgage Company DBA Century Lending Company 4 5.69% $5,889
    U.S. Bank 4 6.09% $19,594
    Carrington Mortgage Services, LLC 3 5.71% $11,060
    DIRECTORS MORTGAGE, INC. 3 6.38% $14,857
    NOVA FINANCIAL & INVESTMENT CORPORATION 3 6.50% $8,145
    T2 FINANCIAL LLC 3 6.00% $10,770
    Plains Commerce Bank 2 5.63% $5,921
    AMERISAVE MORTGAGE CORPORATION 2 6.13% $24,424
    Credence Funding Corporation 2 5.44% $5,689
    Equity Prime Mortgage LLC 2 7.31% $16,107
    FIRST COLONY MORTGAGE CORPORATION 2 6.00% $8,557
    Flagstar Bank, FSB 2 5.78% $11,527
    KITSAP Credit Union 2 6.13% $7,358
    MUTUAL OF OMAHA MORTGAGE, INC. 2 5.88% $25,109
    NATIONS DIRECT MORTGAGE, LLC 2 6.00% $9,165
    NFM, INC. 2 6.38% $11,325
    PENTAGON FEDERAL CREDIT UNION 2 5.94% $5,501
    PHH Mortgage Corporation 2 4.93% $4,755
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 5.94% $11,345
    PULTE MORTGAGE LLC 2 5.25% $7,900
    RESIDENTIAL MORTGAGE, LLC 2 6.37% $13,096
    SUN WEST MORTGAGE COMPANY, INC. 2 5.74% $3,182
    UNION HOME MORTGAGE CORP. 1 7.13% $9,689
    JPMorgan Chase Bank 1 5.75% $500
    NUMERICA CREDIT UNION 1 6.38% $11,685
    JMAC LENDING, INC. 1 6.75% $5,072
    PENINSULA COMMUNITY 1 6.25% $5,707
    INTELLILOAN, INC. 1 5.75% $5,196
    PENRITH HOME LOANS LLC 1 5.75% $5,498
    UNITED MORTGAGE CORP 1 5.75% $6,957
    Ameris Bank 1 6.13% $15,648
    HOMESIDE FINANCIAL, LLC 1 5.25% $14,641
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.75% $3,299
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.25% $6,401
    GUARANTEED RATE AFFINITY, LLC 1 6.18% $16,230
    ALLIED MORTGAGE GROUP, INC. 1 5.75% $10,923
    First Federal Bank 1 5.00% $10,326
    ALLIANT CREDIT UNION 1 5.75% $1,916
    ENVOY MORTGAGE, LTD 1 6.13% $13,315
    CHURCHILL MORTGAGE CORPORATION 1 6.25% $7,092
    SeaTrust Mortgage Company 1 5.75% $11,696
    Sierra Pacific Mortgage Company, Inc. 1 6.25% $10,342
    ZILLOW HOME LOANS, LLC 1 6.25% $3,105
    CARDINAL FINANCIAL 1 6.00% $45,218
    Texana Bank 1 7.38% $16,486
    The Central Trust Bank 1 6.12% $5,678
    CALCON MUTUAL MORTGAGE LLC 1 5.38% $10,789
    MOUNTAIN WEST FINANCIAL, INC. 1 6.25% $18,578
    MORTGAGEONE, INC. 1 7.00% $12,040
    Magnolia Bank 1 6.25% $31,546
    The Loan Store, Inc. 1 5.25% $4,432
    Barrington Bank & Trust Company, N.A. 1 6.75% $3,299
    LOANPAL, LLC 1 5.63% $11,384
    LEADERONE FINANCIAL CORPORATION 1 7.13% $5,818
    Lakeview Community Capital, LLC 1 5.25% $5,704
    LADERA LENDING, INC. 1 6.25% $10,442

    The top Bremerton VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 162 VA loans originated. Their average total fees are $11,133, which is $994 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Bremerton VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($6,454), MORTGAGE SOLUTIONS OF COLORADO, LLC ($8,421), EAGLE HOME MORTGAGE, LLC ($9,295), CROSSCOUNTRY MORTGAGE, LLC ($9,448) and NAVY FEDERAL CREDIT UNION ($9,690).

    The lowest rate Bremerton VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (5.11%), DHI MORTGAGE COMPANY, LTD. (5.21%), INSPIRE HOME LOANS INC. (5.44%), PENNYMAC LOAN SERVICES, LLC (5.58%) and VILLAGE CAPITAL MORTGAGE (5.60%).

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.