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 102 lenders originated 1,087 VA loans during 2023. The total origination value was $540,615,000, with an average VA loan value of $497,346.

    Bremerton VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Bremerton averaged 5.99% for the week of 2025-03-21, compared to the national average (all VA variants) of 6.179% for the same period.

    Bremerton's average VA mortgage closing costs are $8,347.

    The average rate for the prior week (2025-03-14) was 6.38% and one month ago for the week of 2025-02-14, the average rate was 6.63%.

    The average rate one year ago was 6.66%.

    For refis of the same type during the week of 2025-03-21, the average rate was 6.63%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 98 6.49% $10,672
    NAVY FEDERAL CREDIT UNION 64 5.73% $8,537
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 63 6.48% $10,670
    NBKC BANK 54 5.72% $13,175
    EAGLE HOME MORTGAGE, LLC 54 5.71% $13,111
    CROSSCOUNTRY MORTGAGE, LLC 51 6.53% $10,354
    UNITED WHOLESALE MORTGAGE, LLC 51 6.22% $14,337
    DHI MORTGAGE COMPANY, LTD. 43 5.56% $10,559
    LOANDEPOT.COM, LLC 41 5.66% $21,474
    QUICKEN LOANS, LLC 40 5.96% $15,289
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 38 6.35% $15,349
    MOVEMENT MORTGAGE, LLC 37 6.64% $16,346
    HOMEAMERICAN MORTGAGE CORPORATION 32 5.40% $9,534
    GUILD MORTGAGE COMPANY 27 6.44% $18,128
    PENNYMAC LOAN SERVICES, LLC 25 5.82% $14,077
    CALIBER HOME LOANS, INC. 23 5.88% $19,242
    INSPIRE HOME LOANS INC. 20 5.38% $9,993
    FREEDOM MORTGAGE CORPORATION 18 6.35% $21,903
    USAA Federal Savings Bank 15 6.17% $11,301
    BROKER SOLUTIONS, INC. 15 6.63% $18,429
    The Federal Savings Bank 15 6.27% $22,813
    CORNERSTONE HOME LENDING, INC. 11 6.33% $14,781
    MORTGAGE SOLUTIONS OF COLORADO, LLC 11 7.31% $5,176
    NEWREZ LLC 11 6.72% $13,510
    AXIA FINANCIAL, LLC 8 6.03% $10,878
    CMG MORTGAGE, INC. 8 6.23% $19,844
    1st Security Bank of Washington 8 6.09% $13,878
    PULTE MORTGAGE LLC 7 5.61% $11,184
    NEW DAY FINANCIAL, LLC 6 7.37% $11,079
    AMERICAN PACIFIC MORTGAGE CORPORATION 6 6.75% $17,913
    BAY EQUITY LLC 5 6.17% $9,051
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 6.63% $7,900
    PREMIER MORTGAGE RESOURCES, L.L.C. 5 6.50% $14,567
    PENRITH HOME LOANS LLC 5 6.67% $7,323
    HomeStreet Bank 5 5.58% $13,316
    PENTAGON FEDERAL CREDIT UNION 4 5.34% $6,559
    MASON MCDUFFIE MORTGAGE CORPORATION 4 6.40% $12,744
    T2 FINANCIAL LLC 4 6.25% $16,623
    NOVA FINANCIAL & INVESTMENT CORPORATION 4 6.00% $12,721
    Mr. Cooper ( Nationstar Mortgage ) 4 6.00% $19,629
    Prosperity Home Mortgage, LLC 3 6.25% $8,615
    Paramount Residential Mortgage Group, Inc. 3 6.92% $14,451
    Magnolia Bank 3 5.71% $17,169
    MLD MORTGAGE INC. 3 6.00% $4,806
    NATIONS DIRECT MORTGAGE, LLC 3 6.67% $7,749
    VILLAGE CAPITAL MORTGAGE 3 6.00% $10,683
    Armed Forces Bank 3 6.00% $21,947
    GUARANTEED RATE AFFINITY, LLC 3 6.23% $13,117
    GUARANTEED RATE, INC. 3 6.04% $15,536
    Wells Fargo Bank 3 5.88% $9,834
    Boeing Employees Credit Union 3 6.71% $7,147
    Sunflower Bank 2 5.25% $11,278
    AMERICAN FINANCIAL NETWORK, INC. 2 5.94% $21,413
    AMERISAVE MORTGAGE CORPORATION 2 5.63% $12,729
    CARDINAL FINANCIAL 2 7.00% $27,374
    Flagstar Bank, FSB 2 6.93% $15,630
    GENEVA FINANCIAL, LLC 2 6.50% $22,711
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 6.50% $18,295
    JPMorgan Chase Bank 2 6.63% $250
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.75% $14,493
    NETWORK CAPITAL FUNDING CORPORATION 2 5.44% $7,455
    NFM, INC. 2 6.56% $16,548
    PRIORITY HOME LENDING, LLC 2 6.50% $7,534
    SAMMAMISH MORTGAGE COMPANY 2 5.63% $15,845
    SeaTrust Mortgage Company 2 5.44% $19,295
    SUN WEST MORTGAGE COMPANY, INC. 2 6.31% $5,360
    UNION HOME MORTGAGE CORP. 2 6.69% $4,739
    American Mortgage & Equity Consultants, Inc. 1 6.63% $8,590
    JMAC LENDING, INC. 1 5.50% $23,441
    ON Q FINANCIAL, INC. 1 8.75% $9,013
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.25% $17,228
    PENINSULA COMMUNITY 1 6.63% $7,086
    First Federal Savings and Loan Association of Port Angeles 1 6.00% $17,258
    First Federal Bank 1 6.25% $7,648
    Farmers Bank & Trust 1 4.63% $27,288
    PLANET HOME LENDING, LLC 1 5.38% $20,855
    ENVOY MORTGAGE, LTD 1 6.25% $8,970
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.99% $28,118
    DIRECTORS MORTGAGE, INC. 1 5.75% $13,620
    U.S. Bank 1 5.75% $14,645
    DIGNIFIED HOME LOANS, LLC 1 5.75% $3,442
    Credence Funding Corporation 1 7.38% $4,923
    CHERRY CREEK MORTGAGE, LLC 1 5.50% $2,139
    RELIANCE FIRST CAPITAL, LLC 1 6.00% $9,284
    Renasant Bank 1 6.13% $3,178
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 5.63% $13,711
    VERITAS FUNDING, LLC 1 6.88% $13,235
    AMCAP MORTGAGE, LTD. 1 6.75% $7,347
    Stifel Bank and Trust 1 5.75% $14,965
    Carrington Mortgage Services, LLC 1 5.13% $3,669
    Wallick & Volk, Inc. 1 5.88% $25,700
    Barrington Bank & Trust Company, N.A. 1 7.50% $4,927
    Banner Bank 1 7.00% $7,411
    The Loan Store, Inc. 1 5.88% $9,452
    ACADEMY MORTGAGE CORPORATION 1 6.75% $21,172
    Mid-Continent Funding, Inc. 1 6.75% $10,535
    Meridian Bank Corporation 1 5.75% $17,076
    LOANPAL, LLC 1 5.50% $21,400
    AmeriHome Mortgage Company, LLC 1 6.00% $17,258
    LEADERONE FINANCIAL CORPORATION 1 5.50% $9,518
    Keystone Funding, Inc. 1 5.88% $19,674
    NexBank 1 6.00% $7,166

    The top Bremerton VA lender as defined by loan originations is Mortgage Research Center, LLC, with 98 VA loans originated. Their average total fees are $10,672, which is $2,136 higher than the next largest lender, NAVY FEDERAL CREDIT UNION.

    The lowest fee Bremerton VA lenders (with over 10 loans originated) are MORTGAGE SOLUTIONS OF COLORADO, LLC ($5,176), NAVY FEDERAL CREDIT UNION ($8,537), HOMEAMERICAN MORTGAGE CORPORATION ($9,534), INSPIRE HOME LOANS INC. ($9,993) and CROSSCOUNTRY MORTGAGE, LLC ($10,354).

    The lowest rate Bremerton VA lenders (with over 10 loans originated) are INSPIRE HOME LOANS INC. (5.38%), HOMEAMERICAN MORTGAGE CORPORATION (5.40%), DHI MORTGAGE COMPANY, LTD. (5.56%), LOANDEPOT.COM, LLC (5.66%) and EAGLE HOME MORTGAGE, LLC (5.71%).

    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
    Bremerton's median listing price for 2025-02-01 was $659,863, a difference of $71,265 (12.1%) versus the prior year and $19,875 versus the prior month.

    Bremerton's median listing price comes in at 160% of the national average.

    Bremerton's average listing price for 2025-02-01 was $798,400, a difference of $61,958 (8.4%) versus the prior year and $13,305 versus the prior month.

    For the 2025-02-01 period, Bremerton had 394 MLS listings, a difference of 10 listings (3%) versus the prior month and 31 listings (9%) 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
    Bremerton's median listing age (time on market) for 2025-02-01 was 51 days. This is 19% longer than the same period one year ago.

    Bremerton's median square footage for active listings during the 2025-02-01 period was 2,077 sqft. One year prior, the average listing was 2,070 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.