Bremerton VA Loan Rates, Closing Costs & Stats

BREMERTON-SILVERDALE-PORT ORCHARD, WA

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 6.32% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

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

The average rate for the prior week (2025-03-28) was 6.14% and one month ago for the week of 2025-02-28, the average rate was 6.31%.

The average rate one year ago was 6.62%.

For refis of the same type during the week of 2025-04-04, the average rate was 6.02%.

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%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Bremerton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $400,374 (14.6%) $528,023 (12.3%) 1.48 341
2018-02-01 $404,794 (14.0%) $527,465 (9.5%) 1.47 328
2018-03-01 $399,888 (7.7%) $523,174 (3.1%) 1.40 320
2018-04-01 $422,250 (5.8%) $584,378 (6.5%) 1.43 332
2018-05-01 $455,495 (13.9%) $616,063 (7.2%) 1.52 424
2018-06-01 $433,000 (8.3%) $589,054 (3.2%) 1.44 475
2018-07-01 $439,500 (10.2%) $585,513 (5.6%) 1.47 549
2018-08-01 $427,000 (5.1%) $569,025 (2.4%) 1.43 623
2018-09-01 $409,975 (5.4%) $539,643 (-0.2%) 1.38 679
2018-10-01 $414,444 (10.7%) $545,652 (3.1%) 1.40 663
2018-11-01 $409,894 (13.5%) $539,779 (5.6%) 1.39 587
2018-12-01 $409,900 (9.3%) $528,300 (-1.1%) 1.41 492
2019-01-01 $415,944 (3.9%) $521,598 (-1.2%) 1.44 409
2019-02-01 $444,995 (9.9%) $554,403 (5.1%) 1.50 384
2019-03-01 $467,601 (16.9%) $589,697 (12.7%) 1.53 383
2019-04-01 $476,291 (12.8%) $630,683 (7.9%) 1.51 425
2019-05-01 $472,450 (3.7%) $649,878 (5.5%) 1.48 511
2019-06-01 $485,000 (12.0%) $689,689 (17.1%) 1.52 542
2019-07-01 $488,688 (11.2%) $691,915 (18.2%) 1.53 561
2019-08-01 $487,205 (14.1%) $683,654 (20.1%) 1.54 574
2019-09-01 $483,124 (17.8%) $672,399 (24.6%) 1.55 576
2019-10-01 $477,475 (15.2%) $653,297 (19.7%) 1.54 574
2019-11-01 $464,900 (13.4%) $634,269 (17.5%) 1.52 538
2019-12-01 $447,975 (9.3%) $602,156 (14.0%) 1.49 410
2020-01-01 $456,444 (9.7%) $601,625 (15.3%) 1.53 356
2020-02-01 $455,888 (2.5%) $618,684 (11.6%) 1.49 334
2020-03-01 $474,125 (1.4%) $613,437 (4.0%) 1.49 398
2020-04-01 $488,475 (2.6%) $615,789 (-2.4%) 1.53 450
2020-05-01 $490,000 (3.7%) $627,712 (-3.4%) 1.49 446
2020-06-01 $485,347 (0.1%) $660,520 (-4.2%) 1.43 436
2020-07-01 $498,500 (2.0%) $691,655 (0.0%) 1.44 431
2020-08-01 $493,307 (1.3%) $699,499 (2.3%) 1.41 415
2020-09-01 $475,879 (-1.5%) $683,330 (1.6%) 1.36 410
2020-10-01 $479,000 (0.3%) $691,980 (5.9%) 1.37 380
2020-11-01 $499,875 (7.5%) $714,408 (12.6%) 1.46 251
2020-12-01 $470,569 (5.0%) $697,673 (15.9%) 1.40 206
2021-01-01 $469,888 (3.0%) $775,756 (28.9%) 1.40 166
2021-02-01 $549,488 (20.5%) $833,965 (34.8%) 1.60 140
2021-03-01 $542,238 (14.4%) $775,826 (26.5%) 1.54 154
2021-04-01 $562,500 (15.2%) $745,602 (21.1%) 1.52 181
2021-05-01 $550,000 (12.2%) $741,691 (18.2%) 1.46 213
2021-06-01 $546,500 (12.6%) $734,262 (11.2%) 1.44 249
2021-07-01 $551,990 (10.7%) $723,481 (4.6%) 1.46 305
2021-08-01 $576,975 (17.0%) $719,937 (2.9%) 1.54 318
2021-09-01 $580,000 (21.9%) $714,170 (4.5%) 1.55 312
2021-10-01 $597,000 (24.6%) $731,719 (5.7%) 1.59 311
2021-11-01 $599,675 (20.0%) $738,070 (3.3%) 1.60 256
2021-12-01 $599,495 (27.4%) $788,527 (13.0%) 1.62 181
2022-01-01 $599,450 (27.6%) $800,568 (3.2%) 1.62 140
2022-02-01 $599,495 (9.1%) $790,509 (-5.2%) 1.56 165
2022-03-01 $609,490 (12.4%) $805,064 (3.8%) 1.53 167
2022-04-01 $602,000 (7.0%) $798,400 (7.1%) 1.44 190
2022-05-01 $639,975 (16.4%) $816,184 (10.0%) 1.46 271
2022-06-01 $635,675 (16.3%) $813,225 (10.8%) 1.42 388
2022-07-01 $600,000 (8.7%) $796,254 (10.1%) 1.35 537
2022-08-01 $629,948 (9.2%) $846,400 (17.6%) 1.46 555
2022-09-01 $605,000 (4.3%) $820,878 (14.9%) 1.41 514
2022-10-01 $599,000 (0.3%) $796,655 (8.9%) 1.41 511
2022-11-01 $592,500 (-1.2%) $771,017 (4.5%) 1.42 481
2022-12-01 $549,900 (-8.3%) $700,080 (-11.2%) 1.36 399
2023-01-01 $550,000 (-8.3%) $702,589 (-12.2%) 1.36 342
2023-02-01 $555,000 (-7.4%) $727,189 (-8.0%) 1.34 278
2023-03-01 $597,495 (-2.0%) $846,564 (5.2%) 1.41 266
2023-04-01 $607,000 (0.8%) $940,750 (17.8%) 1.41 278
2023-05-01 $649,950 (1.6%) $957,179 (17.3%) 1.47 278
2023-06-01 $649,475 (2.2%) $919,016 (13.0%) 1.46 313
2023-07-01 $650,000 (8.3%) $927,694 (16.5%) 1.48 344
2023-08-01 $650,000 (3.2%) $935,244 (10.5%) 1.49 385
2023-09-01 $634,500 (4.9%) $940,497 (14.6%) 1.48 387
2023-10-01 $637,250 (6.4%) $935,428 (17.4%) 1.50 380
2023-11-01 $599,945 (1.3%) $824,068 (6.9%) 1.43 483
2023-12-01 $599,000 (8.9%) $795,393 (13.6%) 1.46 445
2024-01-01 $599,495 (9.0%) $748,569 (6.5%) 1.46 368
2024-02-01 $588,598 (6.1%) $736,442 (1.3%) 1.42 363
2024-03-01 $600,000 (0.4%) $793,851 (-6.2%) 1.41 376
2024-04-01 $634,733 (4.6%) $841,890 (-10.5%) 1.48 411
2024-05-01 $636,550 (-2.1%) $881,265 (-7.9%) 1.45 556
2024-06-01 $624,990 (-3.8%) $877,312 (-4.5%) 1.42 607
2024-07-01 $642,500 (-1.2%) $884,633 (-4.6%) 1.47 610
2024-08-01 $649,990 (0.0%) $876,072 (-6.3%) 1.51 624
2024-09-01 $662,463 (4.4%) $895,095 (-4.8%) 1.56 629
2024-10-01 $654,950 (2.8%) $874,100 (-6.6%) 1.54 617
2024-11-01 $659,950 (10.0%) $833,139 (1.1%) 1.58 583
2024-12-01 $644,970 (7.7%) $794,742 (-0.1%) 1.60 454
2025-01-01 $639,988 (6.8%) $785,095 (4.9%) 1.60 384
2025-02-01 $659,863 (12.1%) $798,400 (8.4%) 1.60 394
2025-03-01 $653,268 (8.9%) $796,004 (0.3%) 0.00 428
Bremerton's median listing price for 2025-03-01 was $653,268, a difference of $53,268 (8.9%) versus the prior year and $-6,595 versus the prior month.

Bremerton's median listing price comes in at 0% of the national average.

Bremerton's average listing price for 2025-03-01 was $796,004, a difference of $2,153 (0.3%) versus the prior year and $-2,396 versus the prior month.

For the 2025-03-01 period, Bremerton had 428 MLS listings, a difference of 34 listings (9%) versus the prior month and 52 listings (14%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Bremerton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 56 days 2,151 sqft
2018-02-01 37 days 2,135 sqft
2018-03-01 33 days 2,054 sqft
2018-04-01 30 days 2,086 sqft
2018-05-01 21 days 2,208 sqft
2018-06-01 30 days 2,159 sqft
2018-07-01 31 days 2,185 sqft
2018-08-01 33 days 2,162 sqft
2018-09-01 38 days 2,145 sqft
2018-10-01 47 days 2,120 sqft
2018-11-01 56 days 2,124 sqft
2018-12-01 65 days 2,111 sqft
2019-01-01 67 days 2,099 sqft
2019-02-01 64 days 2,143 sqft
2019-03-01 50 days 2,206 sqft
2019-04-01 30 days 2,262 sqft
2019-05-01 28 days 2,267 sqft
2019-06-01 36 days 2,276 sqft
2019-07-01 41 days 2,248 sqft
2019-08-01 43 days 2,196 sqft
2019-09-01 47 days 2,176 sqft
2019-10-01 47 days 2,145 sqft
2019-11-01 48 days 2,110 sqft
2019-12-01 59 days 2,043 sqft
2020-01-01 63 days 2,045 sqft
2020-02-01 37 days 2,078 sqft
2020-03-01 23 days 2,102 sqft
2020-04-01 34 days 2,058 sqft
2020-05-01 43 days 2,058 sqft
2020-06-01 35 days 2,058 sqft
2020-07-01 32 days 2,108 sqft
2020-08-01 31 days 2,058 sqft
2020-09-01 32 days 2,057 sqft
2020-10-01 30 days 1,976 sqft
2020-11-01 36 days 1,959 sqft
2020-12-01 45 days 1,920 sqft
2021-01-01 42 days 1,932 sqft
2021-02-01 32 days 2,124 sqft
2021-03-01 25 days 2,019 sqft
2021-04-01 23 days 2,059 sqft
2021-05-01 22 days 2,028 sqft
2021-06-01 23 days 2,004 sqft
2021-07-01 23 days 1,901 sqft
2021-08-01 30 days 1,987 sqft
2021-09-01 35 days 2,054 sqft
2021-10-01 36 days 2,069 sqft
2021-11-01 37 days 2,054 sqft
2021-12-01 44 days 2,057 sqft
2022-01-01 42 days 1,974 sqft
2022-02-01 23 days 1,979 sqft
2022-03-01 23 days 2,006 sqft
2022-04-01 22 days 2,005 sqft
2022-05-01 20 days 2,039 sqft
2022-06-01 23 days 2,100 sqft
2022-07-01 28 days 2,080 sqft
2022-08-01 34 days 2,098 sqft
2022-09-01 44 days 2,078 sqft
2022-10-01 49 days 2,078 sqft
2022-11-01 52 days 2,064 sqft
2022-12-01 64 days 2,018 sqft
2023-01-01 74 days 2,029 sqft
2023-02-01 68 days 2,074 sqft
2023-03-01 46 days 2,089 sqft
2023-04-01 38 days 2,158 sqft
2023-05-01 35 days 2,116 sqft
2023-06-01 32 days 2,120 sqft
2023-07-01 32 days 2,112 sqft
2023-08-01 38 days 2,152 sqft
2023-09-01 43 days 2,113 sqft
2023-10-01 44 days 2,142 sqft
2023-11-01 52 days 2,143 sqft
2023-12-01 57 days 2,168 sqft
2024-01-01 55 days 2,132 sqft
2024-02-01 43 days 2,070 sqft
2024-03-01 40 days 2,064 sqft
2024-04-01 34 days 2,068 sqft
2024-05-01 26 days 2,088 sqft
2024-06-01 37 days 2,070 sqft
2024-07-01 43 days 2,088 sqft
2024-08-01 44 days 2,080 sqft
2024-09-01 45 days 2,110 sqft
2024-10-01 50 days 2,087 sqft
2024-11-01 50 days 2,070 sqft
2024-12-01 64 days 2,008 sqft
2025-01-01 75 days 2,036 sqft
2025-02-01 51 days 2,077 sqft
2025-03-01 0 days 2,070 sqft
Bremerton's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

Bremerton's median square footage for active listings during the 2025-03-01 period was 2,070 sqft. One year prior, the average listing was 2,064 sqft.

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.