Home Loan Programs
Explore the loan programs we use most for Western Washington buyers. Each program page covers down payment, credit minimums, requirements, pros and trade-offs, and a step-by-step process.
50+ additional niche programs available — ask us about doctor loans, bank-statement, DSCR, bridge, construction, and more.
Quick Comparison
| Program | Down | Min Credit | Term | |
|---|---|---|---|---|
| 30 Year Fixed Mortgage | 3% – 20% | 620+ | 30 years fixed | Details → |
| 15 Year Fixed Mortgage | 5% – 20% | 620+ | 15 years fixed | Details → |
| Adjustable Rate Mortgage (ARM) | 5% – 20% | 620+ | 5/6, 7/6, 10/6 ARM | Details → |
| FHA Loans | 3.5% (580+ FICO) | 580 (500 with 10% down) | 15 or 30 years fixed | Details → |
| VA Loans | 0% down | 580+ (lender overlay) | 15 or 30 years fixed | Details → |
| Jumbo Loans | 10% – 20%+ | 700+ typical | 15, 30 fixed or ARM | Details → |
| USDA Loans | 0% down | 640+ typical | 30 years fixed | Details → |
30 Year Fixed Mortgage
Predictable monthly payments for 30 years
A 30-year fixed-rate mortgage locks in your interest rate and principal-and-interest payment for the full life of the loan. It's the most popular home loan in the United States because the lower monthly payment makes a wider price range affordable and protects against future rate increases.
Learn more →15 Year Fixed Mortgage
Build equity twice as fast with a lower rate
A 15-year fixed mortgage typically carries a lower interest rate than a 30-year loan and pays the home off in half the time. Monthly payments are higher, but total interest paid is dramatically lower, making it ideal for buyers focused on building equity quickly.
Learn more →Adjustable Rate Mortgage (ARM)
Lower initial rate with future flexibility
An ARM starts with a lower fixed rate for a set period — typically 5, 7, or 10 years — and then adjusts periodically based on market indexes. Because the introductory rate is usually below the 30-year fixed rate, an ARM can mean lower payments early on.
Learn more →FHA Loans
Low down payment, flexible credit guidelines
FHA loans are insured by the Federal Housing Administration. They allow down payments as low as 3.5%, accept lower credit scores than most conventional programs, and are a go-to option for many first-time homebuyers in Washington.
Learn more →VA Loans
Zero down payment for veterans and service members
VA loans are backed by the U.S. Department of Veterans Affairs and provide eligible veterans, active-duty service members, and surviving spouses with 0% down payment, no PMI, and competitive interest rates. With Naval Base Kitsap nearby, VA loans are one of our most-used programs.
Learn more →Jumbo Loans
Financing above conforming loan limits
Jumbo loans exceed conforming loan limits and are used for higher-priced homes, often on Bainbridge Island and the Kitsap waterfront. We help structure jumbo financing with competitive rates and flexible underwriting.
Learn more →USDA Loans
Zero down payment in eligible rural areas
USDA loans offer 0% down financing for eligible properties in designated rural areas, including parts of greater Kitsap County. They're aimed at low- to moderate-income borrowers and can be one of the most affordable paths to homeownership.
Learn more →
Not Sure Which Program Fits?
Our team will learn about your goals, timeline, and finances and recommend the program that saves you the most.