Mortgage lender in Kitsap County, WA

Buying in Kitsap County

Kitsap County, with its county seat in Port Orchard, also takes in Bremerton, Silverdale, Poulsbo, Bainbridge Island and Kingston. Kitsap County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Washington, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$616,400 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

escrow and title company

State housing agency

Washington State Housing Finance Commission (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Kitsap County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Kitsap County: the Navy and the ferries

Naval Base Kitsap, with its shipyard in Bremerton and submarine base at Bangor, is the county’s largest employer. VA loans are a large share of purchases, and civilian shipyard workers are common buyers too. We request the Certificate of Eligibility at the start for anyone using a VA loan.

Bainbridge Island, a ferry ride from downtown Seattle, is the highest-priced part of the county, where some purchases are jumbo loans. Bremerton has older homes at the most moderate prices, where a VA or FHA appraisal is more likely to raise condition items. Waterfront homes bring shoreline rules and, in places, mapped flood zones. Outside the towns, wells and septic systems are standard.

Kitsap County by the numbers

Median home value

$555,100 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.77% of home value a year: median tax bill $4,279 on a median value of $555,100 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

State real estate excise tax graduated from 1.1% to 3% of the price, plus local excise tax (Washington Department of Revenue, real estate excise tax)

Largest communities

Bremerton, Bainbridge Island, Silverdale, Port Orchard (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $555,100. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $616,400.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Washington

Closings in Washington are typically handled by an escrow and title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Washington page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Kitsap County buyers ask

Washington notice. Stellar Mortgage Corporation, NMLS #2190975. NMLS Consumer Access.

Limits shown are the 2026 FHFA and HUD figures for Kitsap County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.