Compare Mortgage Lenders in Port Orchard, WA
Compare mortgage lenders in Port Orchard. Review contact information and insurance categorys before you decide.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of Washington before hiring.
Showing 14 mortgage lenders in Port Orchard, WA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Port Orchard home buyers and homeowners can work with local mortgage lenders to secure financing for a home purchase or refinance. Washington state requires lenders to follow specific licensing rules under the Consumer Loan Act. Lenders in Port Orchard offer conventional, FHA, VA, and USDA loans to serve the local market.
What Does a Mortgage Lender in Port Orchard Cost?
Typical mortgage lender costs in Washington include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 500 to 700 dollars, and a credit report fee of 30 to 50 dollars. Closing costs in Kitsap County often total 2 to 5 percent of the purchase price. These amounts vary by lender, loan type, and property value. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Port Orchard?
You will need pay stubs, tax returns, bank statements, and a government-issued ID. Washington lenders also require a signed authorization to pull your credit report. Self-employed borrowers may need additional profit and loss statements.
How long does it take to close on a home loan in Washington?
A typical mortgage closing in Washington takes 30 to 45 days from application to funding. Delays can occur if appraisal or title work takes longer. Your lender will provide a timeline estimate at the start of the process.
Are there special mortgage programs for first-time buyers in Washington?
Yes, the Washington State Housing Finance Commission offers the Home Advantage program with down payment assistance. Local lenders in Port Orchard also offer FHA loans with a 3.5 percent down payment. Eligibility depends on income and purchase price limits.