Bremerton Homes with FHA Terms

Bremerton Homes with FHA Terms

Bremerton, a vibrant city located in Kitsap County, Washington, offers a perfect blend of natural beauty and urban amenities. Situated in the heart of the Pacific Northwest, Bremerton is a picturesque city that boasts stunning views of the Olympic Mountains and the sparkling waters of Puget Sound.

Known for its rich naval history, Bremerton is home to the Puget Sound Naval Shipyard, which has been a significant employer and economic driver in the region for decades. The city also offers a thriving arts and culture scene, with numerous galleries, theaters, and music venues to explore.

When it comes to real estate, Bremerton offers a diverse range of housing options to suit every lifestyle and budget. Whether you're looking for a charming historic home in the downtown area or a modern waterfront property, Bremerton has it all. And if you're a first-time homebuyer or looking for more flexible financing options, you'll be pleased to know that there are homes available with FHA terms in Bremerton.

FHA, or Federal Housing Administration, loans are backed by the government and offer more lenient qualification requirements and lower down payment options compared to conventional loans. This makes homeownership more accessible for many individuals and families.

With its stunning natural surroundings, rich history, and affordable housing options, Bremerton is a fantastic place to call home. Whether you're a young professional, a growing family, or a retiree looking for a peaceful retreat, Bremerton has something to offer everyone.

Newest Bremerton Homes with FHA Terms

$560,671
3 Beds ⋅ 3 Baths ⋅ 2575708 MLS ⋅ ACTIVE Status
Set on a quiet private road in Bremerton's West Hills neighborhood, this Pre-Inspected 2019-built tri-level gives you 2,537sqft, 3 bedrooms, and 2.5 baths with room to spread out across three levels. No HOA!!! The main floor is built for how people actually live — an open kitchen, dining, and living area that flows together, with two-tone wood cabinetry, slab granite counters, a spacious pantry, and stainless appliances. Step out to the deck off the main level, take in the view of Sinclair Inlet, and look over a fully fenced, level backyard that's low maintenance.Upstairs, the primary suite has its own en-suite with a soaking tub and separate shower, plus two more bedrooms and a full bath. The lower level flexes to whatever you need — rec room, home office, gym, or guest space. Ductless mini-split heating and cooling keeps the main level comfortable year-round while the attached two-car garage plus off-street parking handles the vehicles and gear.Location is the quiet advantage here. You're minutes from Highway 3, which makes the commute to Puget Sound Naval Shipyard, Naval Base Kitsap-Bangor, and the Bremerton ferry terminal genuinely easy — whether you're heading to the yard, catching the fast ferry to downtown Seattle, or driving south on Highway 16 toward Tacoma and JBLM. West Hills STEM Academy sits right in the neighborhood, St. Michael Medical Center in Silverdale is a short drive north, and everyday shopping, dining, and parks are all close by. Welcome Home!

1941 Hardway Lane, Bremerton

Listing courtesy of eXp Realty.

$284,900
1 Beds ⋅ 1 Baths ⋅ 2575468 MLS ⋅ ACTIVE Status
This cozy 1-bedroom, 1-bathroom cottage at 913 Charlotte Ave W offers 360 square feet of efficient, low-maintenance living in a convenient Bremerton location. Property Highlights : Home is fully powered by the solar system! Smart 360 sq. ft. floor plan designed for simple living and low Maintenance! Prime Location close to local schools, shopping centers, Naval Base Kitsap & the Seattle / Bremerton Ferry! Commuter Friendly w/ quick access to local transit and HWY 16 and minutes from everyday shopping, dining, and parks! See this home today ...

913 Charlotte Avenue W, Bremerton

Listing courtesy of Ison Realty.

$545,000
4 Beds ⋅ 3 Baths ⋅ 2575383 MLS ⋅ ACTIVE Status
Welcome to this beautifully updated home in East Bremerton, offering 4 bedrooms, 3 bathrooms, and inviting living spaces indoors and out. Step inside to find new flooring throughout and an updated kitchen with refreshed finishes and a functional layout. A new roof (2024) adds peace of mind for years to come. The outdoor space is where this home truly shines. The expanded patio extends the living area and includes a hot tub and fire pit that are great for summer gatherings, cool evenings, or quiet relaxation. The flexible 4 bedroom layout offers options for a home office, hobby space, or additional living needs. Conveniently located near East Bremerton shopping, dining, parks, and everyday services. With major updates already completed and outdoor living ready to enjoy, this home is ready for its next chapter.

2977 NE Loyola St, Bremerton

Listing courtesy of Paramount Real Estate Group.

$245,000
2 Beds ⋅ 2 Baths ⋅ 2575407 MLS ⋅ ACTIVE Status
First time on the market! This one-owner, 2-bedroom, 2-bath home enjoys beautiful south-facing views of Mt. Rainier, the Port Washington Narrows and the city from its covered balcony. Filled with natural light, the home has been freshly painted and lovingly maintained. The comfortable floor plan takes full advantage of the views, with recently replaced windows and sliding doors adding energy efficiency and bringing the scenery indoors. The spacious primary suite features a walk-in closet and private 3/4 bath, while a full hall bath conveniently serves the second bedroom and guests. The efficient galley kitchen connects to a walk-in laundry room with additional storage. Enjoy covered outdoor living plus a storage closet on the balcony, along with a dedicated storage unit in a climate-controlled building on site. Covered parking for one car and additional open parking nearby. The community has undergone substantial exterior improvements including siding, paint, roofing and decks. Residents also enjoy a community pool and nicely appointed clubhouse, all conveniently located near shopping and public transportation.

3350 Narrows View Lane NE Unit #203, Bremerton

Listing courtesy of Windermere RE West Sound Inc..

$659,990
5 Beds ⋅ 3 Baths ⋅ 2574824 MLS ⋅ ACTIVE Status
Find your Peace & Serenity at Sinclair Ridge, tucked behind McCormick Village, on the edge of Bremerton & Port Orchard. Surrounded by 2 creeks & wooded conservation/wetlands, where greenbelt surroundings, peekaboo mountain & Sinclair Inlet water views welcome you home. The Warren plan offers a 2448 sq. ft. smart home w/5 bedrooms, 3 baths + 2-bay garage. The open great room boasts a gas fireplace, flowing into the Kitchen & dining area with access to a covered patio and spacious backyard. The gourmet chef's island kitchen offers a pantry, 42” soft-close dovetail cabinetry, tile backsplash, a gas cooktop w/hood, built-in convection wall oven w/air fry & microwave, and quartz countertops. Upstairs, Bedrooms 2-4 share a full bath, complete with w/a quartz topped dual sink vanity & tub/shower combo. The primary suite boasts a generous en-suite bath that includes a quartz topped dual sink vanity, linen closet, tiled walk-in shower w/frameless glass, soaking tub, and a large walk-in closet. Included: landscaping, A/C, 9’ ceilings, 8’ entry & garage doors, fire sprinklers, hot water recirculation pump, CAT-6 wiring/FIBER internet ready, Energy Star Certified w/R-60 insulation & builder warranty. Walk 2 nearby golf, trails, parks, off-leash dog park, splash pad, playgrounds, pickleball & sport courts + future retail/restaurants. Brokers 2 register buyers before or at first visit.

3974 Flat Top Drive, Bremerton

Listing courtesy of BMC Realty Advisors Inc.

$649,990
5 Beds ⋅ 3 Baths ⋅ 2573448 MLS ⋅ ACTIVE Status
Find your Peace & Serenity at Sinclair Ridge, tucked behind McCormick Village, on the edge of Bremerton & Port Orchard. Surrounded by 2 creeks & wooded conservation/wetlands, greenbelt surroundings, mountain views, & peekaboo Sinclair Inlet water views welcome you home. Nestled on a private, protected wooded greenbelt - Lot 223 offers a 2587 sq. ft. 2-Level Hadley smart home with 5 bedrooms + loft, 2.5 baths + a 2 car garage. From the cozy front porch you'll be greeted by an impressive entry hallway w/powder room, leading to the 5th Bedroom/office. The expansive dining & great room windows showcase gorgeous wooded greenbelt views. Adjacent to the dining nook that offers access to the large covered patio, the chef's island kitchen boasts quartz counters, spacious walk-in pantry, 42” soft-close solid wood dovetail cabinetry, gas cooktop w/hood, built-in convection wall ovens w/air fry & microwave & opens to the great room w/gas fireplace. Included: Landscaping, A/C, 9’ ceilings, 8’ entry/garage doors, fire sprinklers, CAT-6/Fiber Internet Ready, fire sprinklers, hot water recirc pump, Energy Star w/R-60 insulation & builder warranty. Walk 2 McCormick Woods golf, trails, parks, off-leash dog park, splash pad, playgrounds, pickleball, sport courts + future retail/restaurants. Minutes 2 PSNS, Naval Base Kitsap & the Bremerton or Southworth Ferry. Brokers 2 register buyers before/at 1st visit.

3930 Flat Top Drive, Bremerton

Listing courtesy of BMC Realty Advisors Inc.

$724,990
5 Beds ⋅ 4 Baths ⋅ 2574235 MLS ⋅ ACTIVE Status
The Bridger plan boasts a smartly designed layout with plenty of flexible living space in Sinclair Ridge. This home sits on a large lot and backs up to the woods. Enjoy two homes under one roof, boasting a main-floor multi-generation suite with its own private outdoor entrance, living area, kitchenette, and bedroom. Additional main-floor highlights include an open-concept layout with a spacious great room, a dining area, and a large kitchen with a walk-in pantry and center island. Completing the main floor, you'll find a study room. Heading upstairs, a versatile bonus room provides more gathering space. Enjoy 2ndary bedrooms, each with a walk-in closet, and an expansive primary suite with a spa-like bath and a walk-in closet. Buyer's Broker must accompany &/or register Buyer at 1st visit.

3931 Flat Top Drive, Bremerton

Listing courtesy of BMC Realty Advisors Inc.

$689,990
5 Beds ⋅ 4 Baths ⋅ 2574793 MLS ⋅ ACTIVE Status
The Bridger plan boasts a smartly designed layout with plenty of flexible living space in Sinclair Ridge. This home sits on a large lot and backs up to the woods. Enjoy two homes under one roof, boasting a main-floor multi-generation suite with its own private outdoor entrance, living area, kitchenette, and bedroom. Additional main-floor highlights include an open-concept layout with a spacious great room, a dining area, and a large kitchen with a walk-in pantry and center island. Completing the main floor, you'll find a study room. Heading upstairs, a versatile bonus room provides more gathering space. Enjoy 2ndary bedrooms, each with a walk-in closet, and an expansive primary suite with a spa-like bath and a walk-in closet. Buyer's Broker must accompany &/or register Buyer at 1st visit.

3935 Flat Top Drive, Bremerton

Listing courtesy of BMC Realty Advisors Inc.

$759,900
3 Beds ⋅ 3 Baths ⋅ 2575473 MLS ⋅ ACTIVE Status
Welcome home! Set on 1.79 fully fenced acres, this inviting property offers space, privacy and a true Pacific Northwest lifestyle. The open-concept living room, dining room and kitchen create a comfortable flow for everyday living and entertaining. The home features a main-level primary suite with a private en-suite bath, two additional bedrooms and an upper-level bonus room with skylights—ideal for an office, media room, hobbies or guests. Relax on the charming covered front porch overlooking the expansive front yard and fruit trees, gather on the large back deck or spend evenings around the firepit. A flower meadow, greenhouse and forest trail add to the peaceful setting, where you can sometimes hear the nearby creek known for its seasonal salmon run. Several outbuildings provide additional storage and possibilities. An impressive 806-square-foot garage, RV & boat carport and whole-house generator add exceptional function and convenience. Water Heater replaced 2025.Waterproof LVP flooring. Minutes from Lebers Lane Trailhead and located off Northlake Way with easy access to Highway 3, this special property feels like a private retreat while remaining close to shopping, services and commuting routes,including the Seattle/Bremerton Ferry. This is a home you truly need to experience in person to appreciate everything it offers—and the wonderful feeling you get the moment you arrive. Call your favorite Broker today to schedule a viewing.

4782 NW Grover Lane, Bremerton

Listing courtesy of Coldwell Banker Bain.

$375,000
2 Beds ⋅ 3 Baths ⋅ 2573762 MLS ⋅ ACTIVE Status
Welcome home to this charming 2-bedroom, 2.5 bath Bremerton home! Designed to maximize every foot of space, this home offers light-filled living areas, warm wood accents, and fantastic versatility. The main level primary suite serves as a peaceful retreat complete with a private covered deck, attached full bathroom and a fun, custom ladder leading up to a bonus reading nook or storage loft. A spiral staircase winds down to a fully finished lower-level— the perfect setup for a quiet home office, studio, or additional living area. Complete with its own half bath, utility and storage room and separate walk-out entrance. Great location just minutes to HWY 16, local Navy bases, shopping, and the Bremerton ferry!

1121 Lower Marine Drive, Bremerton

Listing courtesy of Keller Williams Greater 360.

$780,000
6 Beds ⋅ 6 Baths ⋅ 2574606 MLS ⋅ ACTIVE Status
This multigenerational home is ready for you to call home. The just shy 3,800 sq ft home is on a 3 bedroom septic that boasts a primary room and two additional bedrooms with their own bathrooms. One room includes a small kitchen. 3 bonus rooms would be perfect as a den, office and guest room or whatever works for you. The inviting living room shows off a rock wall gas fireplace and plenty of room to enjoy all the natural light. The large gathering room with vaulted ceiling will be enjoyed by the whole household. The sunny patio offers a large area for bbqing and entertaining. Grab your golf clubs as the entire property is next door to Rolling Hills Golf Course. The yard is fully fenced and includes RV parking. The attached garage includes a large storage area and built in cabinets. This treasure is close to shopping, dining and easy access to PSNS and Subase Bangor.

6087 Sunset Ave NE, Bremerton

Listing courtesy of John L. Scott, Inc..

$649,990
5 Beds ⋅ 3 Baths ⋅ 2573416 MLS ⋅ ACTIVE Status
Find your Peace & Serenity at Sinclair Ridge, tucked behind McCormick Village, on the edge of Bremerton & Port Orchard. Surrounded by 2 creeks & wooded conservation/wetlands, greenbelt surroundings, mountain views, & peekaboo Sinclair Inlet water views welcome you home. Nestled on a private, protected wooded greenbelt - Lot 222 offers a 2587 sq. ft. 2-Level Hadley smart home with 5 bedrooms + loft, 2.5 baths + a 2 car garage. From the cozy front porch you'll be greeted by an impressive entry hallway w/powder room, leading to the 5th Bedroom/office. The expansive dining & great room windows showcase gorgeous wooded greenbelt views. Adjacent to the dining nook that offers access to the large covered patio, the chef's island kitchen boasts quartz counters, spacious walk-in pantry, 42” soft-close solid wood dovetail cabinetry, gas cooktop w/hood, built-in convection wall ovens w/air fry & microwave & opens to the great room w/gas fireplace. Included: Landscaping, A/C, 9’ ceilings, 8’ entry/garage doors, fire sprinklers, CAT-6/Fiber Internet Ready, fire sprinklers, hot water recirc pump, Energy Star w/R-60 insulation & builder warranty. Walk 2 McCormick Woods golf, trails, parks, off-leash dog park, splash pad, playgrounds, pickleball, sport courts + future retail/restaurants. Minutes 2 PSNS, Naval Base Kitsap & the Bremerton or Southworth Ferry. Brokers 2 register buyers before/at 1st visit.

3934 Flat Top Drive, Bremerton

Listing courtesy of BMC Realty Advisors Inc.

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