Locations | Contact Us

VA Loans

  • Purchase or refinance a new or existing home
  • No down payment
  • No monthly mortgage insurance required
  • No pre-payment penalties
  • Seller may contribute up to 4% of the sale price toward:
    • Pre-paid interest
    • Escrow for property taxes and insurance
    • Discount points to get a lower rate
    • The VA funding fee
    • Pay off borrower debts to help qualify for the loan

Who is Eligible?

  • Active duty member with 90 days of service (181 days during peacetime)
  • Honorably discharged service member after two years of active service (90-181 days during Vietnam and pre-Vietnam wartime)
  • Selected Reserves with six years of honorable service
  • POW/MIA Spouse
  • Un-married surviving spouse of veteran deceased from service-related activity


Apply For a Loan Online

Need to find a mortgage lender? If you are not currently working with a loan officer, apply online here.

Already working with a Loan Officer? Click on their name below to apply online through their website.

Matt Kover (MLO #462602)
Heidi Villarma (MLO #462603)
Todd Gainey (MLO #741385)
Carrie Murphy (MLO #747414)


Questions?

Our team is ready to guide you through the process. Give your local mortgage loan experts a call at 253-851-6464.

© 2014 Kitsap Bank. All Rights Reserved.
FDIC Insured Equal Housing Lender

This service is for Washington State residents only.

Are you a Washington State resident?

You are about to leave Kitsap Bank's website. Third party websites are not covered by Kitsap Bank's Privacy Policy or security measures, nor does Kitsap Bank endorse, offer, guarantee or recommend any product or service offered on a third party website.