Poulsbo · Kitsap · Western Washington
Born Here. Built Here.
Lending Here.
A boutique mortgage team rooted on the shores of Liberty Bay — financing homes from the Olympics to the Cascades with 27+ years of local know-how.
Lending Programs
The Right Loan, Structured Around You
As an independent broker, we shop multiple lenders to match your scenario to the best program — not the only one a bank happens to sell.
30 Year Fixed Mortgage
Predictable monthly payments for 30 years
15 Year Fixed Mortgage
Build equity twice as fast with a lower rate
Adjustable Rate Mortgage (ARM)
Lower initial rate with future flexibility
FHA Loans
Low down payment, flexible credit guidelines
VA Loans
Zero down payment for veterans and service members
Jumbo Loans
Financing above conforming loan limits
USDA Loans
Zero down payment in eligible rural areas
The Journey
From Application to Keys in Hand
A quiet, guided path from "what if?" to housewarming — most clients close in 15–21 days.
- STEP 01
Apply Online
A short, secure application with Kym, Desiree, or John — about 10 minutes from your couch.
~10 min
- STEP 02
Get Pre-Approved
Credit, income, and assets reviewed by a real underwriter — pre-approval letter in your inbox fast.
1–2 days
- STEP 03
Shop With Confidence
Make competitive offers across Kitsap, Pierce, Mason, King & Jefferson — backed by a fully underwritten approval.
On your time
- STEP 04
Close & Get Keys
We coordinate appraisal, title, and escrow — most purchases close in 15–21 days. Welcome home.
15–21 days
Ready to start? Pick your loan officer and we'll take it from there.
Begin Your Application→Recognized Excellence
Award-Winning Lending, Right Here in Washington
UWM honors Kym Mason and The Mason Group for Top 1% production, Top 20 purchase performance, and Pro Elite service in 2025.
Local.
Independent.
Always Reachable.
We're a small Poulsbo team that's been financing Kitsap County homes for two decades. You'll work directly with Kym or Desiree from your first call through closing — and beyond, for every refinance or move you make in the future.
More About UsIndependent broker
We shop multiple lenders, not just one bank.
Verified pre-approvals
That help you win offers in a competitive market.
VA loan specialists
For Naval Base Kitsap military families.
Jumbo & waterfront
Bespoke financing for Bainbridge Island and high-value buyers.
Rate Watch alerts
Free refinance analysis for past clients.
No call centers
A direct line to your local Poulsbo loan officer.
Meet Your Loan Officers
Real People. Real Phone Numbers.
Kind Words From Our Clients
Rob & Kiki, WA
“My husband and I have owned two houses and have refinanced three times over the course of our marriage. This was, hands down, the best experience I could have ever asked for. From the time we started the process to close was less than 30 days. I have never met a team so professional and on top of their game.”
Geographic Reach
Where We Lend
From our Front Street office in Poulsbo, we finance homes across the Kitsap Peninsula and Western Washington — with local knowledge of every ferry route, school district, and neighborhood.
We're your hometown mortgage team on Front Street. From Little Norway's waterfront cottages to new construction off Finn Hill, we structure financing tailored to Poulsbo buyers.
Explore →Bainbridge Island homes often cross into jumbo loan territory. We help Winslow commuters, Lynwood Center families, and waterfront buyers compare jumbo, conforming, and second-home programs.
Explore →From Old Town Silverdale to the new builds near Clear Creek, we work with growing families, military households, and remote workers buying in Central Kitsap.
Explore →Kingston buyers benefit from quick Edmonds-ferry access and quieter coastal living. We help match Kingston purchase and refinance scenarios with the right rate and term.
Explore →We serve every community in Kitsap County — Bremerton, Port Orchard, Suquamish, Hansville, and beyond — with mortgage programs tuned to local price points and buyer profiles.
Explore →From Manette bungalows to new builds in West Bremerton, we help shipyard workers, Navy families, and first-time buyers finance homes in Kitsap's largest city.
Explore →From the McCormick Woods golf community to Bay Street waterfront condos, we structure Port Orchard purchase and refinance loans for commuters, retirees, and growing families.
Explore →From waterfront homes on Henderson Bay to family neighborhoods near Uptown, we finance Gig Harbor purchases across Pierce County with conforming, jumbo, and second-home options.
Explore →From Victorian homes on the bluff to small-acreage properties outside town, we help Port Townsend buyers and Jefferson County homeowners finance with patience and expertise.
Explore →From in-town Shelton bungalows to acreage and rural properties across Mason County, we finance purchases and refinances with USDA, FHA, VA, and conventional programs.
Explore →From waterfront views toward Agate Pass to quiet wooded lots, we help Suquamish buyers finance homes with conforming, FHA, VA, and jumbo programs.
Explore →Tucked at the north tip of the Kitsap Peninsula, Hansville's quiet waterfront and rural properties often qualify for USDA financing. We help buyers structure the right loan for the location.
Explore →From Hood Canal waterfront to wooded acreage on Seabeck Highway, we help buyers finance homes with USDA, conventional, and jumbo programs tuned to rural Kitsap.
Explore →Common Questions
What areas does The Mason Group Loans serve?+
We're based in Poulsbo, WA and originate home loans throughout the Kitsap Peninsula and Western Washington — including Bainbridge Island, Silverdale, Kingston, Bremerton, Port Orchard, Suquamish, Hansville, Seabeck, Gig Harbor, Port Townsend, and Shelton.
How do I get pre-approved for a home loan in Poulsbo?+
Start by submitting our short online application with either Kym Mason or Desiree Broshears. We'll review your income, assets, and credit, then issue a pre-approval letter — typically within one to two business days — that you can use to make offers.
What credit score do I need to qualify for a mortgage?+
Conventional loans generally start at a 620 FICO score, FHA loans can go down to 580 (and sometimes 500 with 10% down), and VA loans are flexible with no industry-wide minimum. We'll review your full profile, not just your score.
How much do I need for a down payment?+
Down payments range from 0% (VA and USDA) to 3% (some conventional first-time buyer programs), 3.5% (FHA), and 20%+ (conventional with no mortgage insurance). The right program depends on your goals and cash on hand.