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 6.33% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

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

    The average rate for the prior week (2025-07-04) was 6.44% and one month ago for the week of 2025-06-06, the average rate was 6.61%.

    The average rate one year ago was 6.53%.

    For refis of the same type during the week of 2025-07-11, the average rate was 5.93%.

    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%) 1.54 428
    2025-04-01 $675,000 (6.3%) $837,636 (-0.5%) 1.57 460
    2025-05-01 $689,000 (8.2%) $880,561 (-0.1%) 1.57 581
    2025-06-01 $699,000 (11.8%) $887,907 (1.2%) 1.59 658
    Bremerton's median listing price for 2025-06-01 was $699,000, a difference of $74,010 (11.8%) versus the prior year and $10,000 versus the prior month.

    Bremerton's median listing price comes in at 159% of the national average.

    Bremerton's average listing price for 2025-06-01 was $887,907, a difference of $10,595 (1.2%) versus the prior year and $7,346 versus the prior month.

    For the 2025-06-01 period, Bremerton had 658 MLS listings, a difference of 77 listings (13%) versus the prior month and 51 listings (8%) 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 43 days 2,070 sqft
    2025-04-01 35 days 2,070 sqft
    2025-05-01 30 days 2,124 sqft
    2025-06-01 37 days 2,182 sqft
    Bremerton's median listing age (time on market) for 2025-06-01 was 37 days. This is -1% shorter than the same period one year ago.

    Bremerton's median square footage for active listings during the 2025-06-01 period was 2,182 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.