Kitsap Homes with VA Loan Terms

Kitsap Homes with VA Loan Terms

Kitsap County, located in the state of Washington, is a picturesque region that offers a perfect blend of natural beauty and urban amenities. Situated in the Pacific Northwest, Kitsap County is known for its stunning coastline, lush forests, and vibrant communities.

As part of the United States, Kitsap County is a popular destination for homebuyers looking for a peaceful and scenic place to settle down. One of the key aspects that make Kitsap County attractive to potential homeowners is the availability of homes with VA loan terms.

For those who have served in the military, the VA loan program provides an excellent opportunity to purchase a home with favorable terms. VA loans offer competitive interest rates, no down payment requirements, and flexible credit requirements. These loans are designed to make homeownership more accessible and affordable for veterans and active-duty military personnel.

In Kitsap County, there is a wide range of homes available that qualify for VA loans. Whether you're looking for a cozy cottage near the waterfront or a spacious family home in a suburban neighborhood, you'll find a variety of options to choose from. The county's real estate market is diverse, catering to different budgets and preferences.

If you're a veteran or an active-duty military member considering homeownership in Kitsap County, exploring homes with VA loan terms is a great way to start your search. With the assistance of knowledgeable real estate professionals familiar with the VA loan process, you can find your dream home and take advantage of the benefits offered by this loan program.

Newest Kitsap Homes with VA Loan Terms

$475,000
3 Beds ⋅ 2 Baths ⋅ 2569846 MLS ⋅ ACTIVE Status
Tucked among the trees on a private 1-acre lot, this move-in ready 3-bedroom home offers the perfect combination of privacy, updates, and convenience—less than 5 minutes to Bangor, Keyport, and Silverdale! The bright, refreshed interior features an open floor plan designed for comfortable everyday living. The new kitchen showcases white cabinetry, generous counter space, new stainless steel appliances, subway tile backsplash, and a breakfast bar opening to the adjoining dining area. Durable LVP flooring throughout the main living areas, new carpet in the bedrooms, and a convenient laundry area with washer and dryer. The spacious primary suite features a large walk-in closet and beautifully updated bath with walk-in shower. Outside, enjoy a spacious, usable yard surrounded by mature evergreens and established hedges for exceptional privacy, along with a peek-a-boo view with potential to open it up further. A two-car carport, storage shed, and additional concrete pad provide plenty of parking, storage, and possibilities for another carport, shed, or additional outdoor space. A metal roof and vinyl siding offer easy-care living, served by a two-party well and septic system. Conveniently located near shopping, bases, and Hwy 3, this property offers a wonderful blend of privacy, thoughtful updates, and convenience.

16804 Lark Lane NW, Poulsbo

Listing courtesy of Windermere RE West Sound Inc.

$715,000
6 Beds ⋅ 3 Baths ⋅ 2569236 MLS ⋅ ACTIVE Status
Room for everyone—and everything! This spacious 6-bedroom, 3-bath home offers over 3,400 sq ft with room to spread out, entertain, and enjoy. With six bedrooms and three full baths, this home truly lives large. A main-level bedroom with a full bath just steps away offers flexibility for guests or multi-generational living.The large kitchen and living room create inviting gathering spaces, while the additional flex room can easily become a formal dining area, workout space, game room, or entertainment room. Upstairs, an open loft provides even more room for movie nights, an extra TV, play space, or entertaining. There is also plenty of storage throughout and a spacious garage—so you may finally have a place for all your things! Step outside to a manageable backyard with room for pets, plus a hot tub where you can relax and unwind after a long day. Located in a walkable neighborhood with great community amenities, parks, shopping, dining, and convenient access to Hwy 16, this home puts so much within easy reach. Big home, flexible spaces, great location, and room for everyone. Come see why this one stands out—and bring us your offers! We’d love to work with you and help make this home yours.

4280 Novak Drive SW, Port Orchard

Listing courtesy of Morrison House Sotheby's Intl.

$624,990
3 Beds ⋅ 2 Baths ⋅ 2569804 MLS ⋅ ACTIVE Status
Find your Serenity at Sinclair Ridge, tucked behind McCormick Village and surrounded by two creeks, wooded conservation & wetlands, where greenbelt, mountain, and peek-a-boo Sinclair Inlet water views welcome you home. Lot 191 offers the 1,726 sq. ft. Aurora, a single-level/rambler smart home with 3 bedrooms, 2 baths + 2-bay garage. A full hall bath splits Bedrooms 2 & 3 near the front of the home, complete with w/a quartz topped dual sink vanity, tub/shower combo + linen closet. The primary suite w/vaulted ceilings is on the opposite side of the home, with an en-suite bath that includes a quartz topped dual sink vanity, separate tub, tiled walk-in shower, and a large walk-in closet. The open-concept great room boasts a gas fireplace, flowing into the dining area with access to a covered patio, spacious backyard, and a well-appointed gourmet chef's island kitchen with a corner walk-in pantry, 42” soft-close dovetail cabinetry with abundant drawer space, tile backsplash, a gas cooktop w/hood, built-in convection wall oven w/air fry & microwave, and quartz countertops. Included: landscaping, A/C, 9’ ceilings, 8’ entry & garage doors, fire sprinklers, hot water recirculation pump, CAT-6 wiring/FIBER internet ready, fire sprinklers, 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.

3923 Flat Top Drive, Bremerton

Listing courtesy of BMC Realty Advisors Inc.

$599,990
3 Beds ⋅ 2 Baths ⋅ 2569803 MLS ⋅ ACTIVE Status
Find your Serenity at Sinclair Ridge, tucked behind McCormick Village and surrounded by two creeks, wooded conservation & wetlands, where greenbelt, mountain, and peek-a-boo Sinclair Inlet water views welcome you home. Lot 191 offers the 1,726 sq. ft. Aurora, a single-level/rambler smart home with 3 bedrooms, 2 baths + 2-bay garage. A full hall bath splits Bedrooms 2 & 3 near the front of the home, complete with w/a quartz topped dual sink vanity, tub/shower combo + linen closet. The primary suite w/vaulted ceilings is on the opposite side of the home, with an en-suite bath that includes a quartz topped dual sink vanity, separate tub, tiled walk-in shower, and a large walk-in closet. The open-concept great room boasts a gas fireplace, flowing into the dining area with access to a covered patio, spacious backyard, and a well-appointed gourmet chef's island kitchen with a corner walk-in pantry, 42” soft-close dovetail cabinetry with abundant drawer space, tile backsplash, a gas cooktop w/hood, built-in convection wall oven w/air fry & microwave, and quartz countertops. Included: landscaping, A/C, 9’ ceilings, 8’ entry & garage doors, fire sprinklers, hot water recirculation pump, CAT-6 wiring/FIBER internet ready, fire sprinklers, 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.

3927 Flat Top Drive, Bremerton

Listing courtesy of BMC Realty Advisors Inc.

$674,990
5 Beds ⋅ 3 Baths ⋅ 2569802 MLS ⋅ ACTIVE Status
September Move-In! *Ask about Low Promotional Interest Rates & seller incentives available on this home* Find your Peace & Serenity at Sinclair Ridge, tucked behind McCormick Village, on the edge of Bremerton & Port Orchard. Surrounded by 2 creeks & wooded conservation/greenbelt/wetlands, mountain views, & peekaboo Sinclair Inlet water views welcome you home. This 2741 sq. ft. Asher, a 2-story smart home on Lot 192 has 5 bedrooms, 3 baths, a Bonus Room w/French Doors, a Main floor bedroom/bath w/walk-in shower & a 2 Car Garage. The expansive dining & great room windows greet you with gorgeous wooded greenbelt views from the formal entryway. The chef's island kitchen boasts quartz counters, a desk w/upper cabinetry, 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. The dining nook offers access to the large covered patio & spacious backyard. The primary suite boasts a private en-suite bath featuring a quartz vanity w/2 sinks, tub, tiled walk-in shower, & walk-in closet. Included: landscaping, A/C, 9’ ceilings, 8’ entry & garage doors, CAT-6 wiring/FIBER internet ready & R-60 insulation. Walk to golf, trails, parks, off-leash dog park, splash pad, playgrounds, pickleball, sport courts + future retail/restaurants. Minutes to PSNS, Naval Base Kitsap & the Bremerton or Southworth Ferry. Brokers 2 register buyers before or at first visit.

3951 Flat Top Drive, Bremerton

Listing courtesy of BMC Realty Advisors Inc.

$674,990
5 Beds ⋅ 3 Baths ⋅ 2569799 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 on CORNER Lot 197 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.

3926 Flat Top Drive, Bremerton

Listing courtesy of BMC Realty Advisors Inc.

$785,000
3 Beds ⋅ 3 Baths ⋅ 2569646 MLS ⋅ ACTIVE Status
Welcome to Holly—a peaceful, secluded retreat along Hood Canal, Washington's iconic glacier-carved fjord. Here, the noise of the world fades, and life takes on a richer texture. Built with quality craftsmanship and meticulously cared for, this custom, one-owner home offers an irreplaceable combination: sweeping views of Hood Canal and the Olympic Mountains, total privacy, and immediate connection to nature. Inside, rich hickory cabinetry, fir trim, granite countertops, and soaring ceilings create a warm, timeless aesthetic. Sunlit windows frame dramatic water and mountain backdrops from nearly every room, while flexible spaces easily accommodate multiple quiet home offices, hobbies, or hosting guests. Step outside into your private haven. A flat, park-like lawn gives way to mature forest and a year-round, salmon-bearing stream along the property line. The expansive, fully finished garage offers abundant room for a workshop, vehicle storage, and gear—with Hood Canal water access just minutes away for launching kayaks, paddleboards, or setting crab pots. Whether you’re seeking a peaceful full-time residence, a private Northwest escape, or a place to gather with friends, this exceptional property offers a rare sense of privacy, beauty, and belonging. Pure serenity, yet within easy reach of Kitsap Peninsula amenities. Rare custom properties in settings like this do not come along often. Schedule your private tour today and experience the magic of Holly firsthand.

412 Seabeck Holly Road W, Seabeck

Listing courtesy of Paramount Real Estate Group.

$539,000
3 Beds ⋅ 3 Baths ⋅ 2569734 MLS ⋅ ACTIVE Status
Beautifully updated and ideally located just minutes from Silverdale, this 2013-built home offers the perfect combination of modern comfort, energy efficiency, and a fantastic neighborhood setting. Situated on a desirable end/corner lot, the home is surrounded by lush, mature landscaping and features a fully fenced yard, creating a wonderful sense of privacy and outdoor space. Inside, the versatile floor plan offers 3 bedrooms and 2.5 baths, plus a dedicated main-floor office and a large upstairs bonus room—ideal for a media room, playroom, home gym, or additional flex space. Thoughtful updates include newer luxury vinyl plank flooring, new tile flooring in the bathrooms, and a beautifully remodeled primary bathroom. One of the home’s standout features is its energy-efficient solar panel system, providing exceptionally low electric costs. Seller-provided PSE bills average approximately $7.49/month May through August and $57/month September through April. That’s an impressive benefit for both comfort and efficiency. Enjoy an established neighborhood with a community playground, convenient access to Silverdale, and a location within the Central Kitsap School District. With its flexible floor plan, extensive updates, beautiful landscaping, upgraded Trex decking, whole home ventilation system, fenced yard, solar efficiency, and sought-after corner setting, this home is truly move-in ready with so much to offer.

4463 NW Atwater Loop, Silverdale

Listing courtesy of Sterling Property Group.

$595,000
3 Beds ⋅ 3 Baths ⋅ 2569748 MLS ⋅ ACTIVE Status
Perched at the top of a quiet cul-de-sac, this beautifully updated home offers privacy, territorial views, and space to spread out. The 3-bedroom, 2.25-bath split-entry design includes a fully finished basement, bringing living space to 2,115 square feet — ideal for a family room, home office, or guest retreat. Recent updates throughout include new carpet, new flooring, fresh paint, new appliances, and updated quartz kitchen countertops, making this home truly move-in ready. Enjoy two fireplaces for cozy evenings and a wood deck perfect for taking in the view. A two-car garage adds everyday convenience. Homes in this cul-de-sac rarely come available. Located in Central Kitsap School District within Silverdale's Urban Growth Area, minutes from shopping, dining, and the waterfront.

1640 NW Hidden Place, Silverdale

Listing courtesy of Revival Realty LLC.

$630,000
4 Beds ⋅ 3 Baths ⋅ 2567200 MLS ⋅ ACTIVE Status
Welcome to this spacious and versatile Central Kitsap home where comfort, flexibility, and beautiful Olympic Mountain views come together! Enjoy gorgeous sunsets from the main living spaces and deck, creating the perfect backdrop for everyday living and entertaining. The generous primary suite features its own 3/4 bath, while the beautifully remodeled full guest bath on the main floor adds fresh, modern style. Downstairs, discover even more possibilities with a remodeled full bath featuring a large tiled walk-in shower. The expansive lower-level space offers incredible flexibility as a second primary suite, recreation or media room, guest quarters, home office, or multi-generational living space. With multiple gathering areas, abundant storage, an attached 2-car garage, and room to adapt as your needs change, this home offers space in all the right places. Conveniently located with easy access to Bangor, PSNS, the Bremerton ferry terminal, shopping, restaurants, medical centers, and everyday amenities. A wonderful combination of views, versatility, and Central Kitsap convenience! Mortgage savings may be available for buyers of this listing.

1875 NE Bentley Drive, Bremerton

Listing courtesy of Redfin.

$1,350,000
3 Beds ⋅ 3 Baths ⋅ 2569554 MLS ⋅ ACTIVE Status
Private waterfront living with sweeping views of Seattle, the Space Needle, Cascade Mountains, Blake Island and passing ferries. This beautifully custom built Southworth retreat offers private beach access, where you can launch a kayak, paddle up Curley Creek, explore the shoreline, or gather around the beachside fireplace as the sun sets. Thoughtfully designed outdoor spaces feature terraced gardens, raised galvanized garden beds, fruit trees, berry plants, new Trex decking and multiple view decks for relaxing and entertaining. A convenient boat shed keeps kayaks and waterfront gear close at hand. Inside, vaulted ceilings and expansive windows showcase the ever-changing scenery. The main level offers easy one-level living, a stunning new kitchen, designer lighting and a peaceful primary suite with a new luxury spa-inspired bath. Downstairs adds exceptional flexibility with a second kitchen added in 2025, custom built-ins, two additional bedrooms, a full bath & dedicated laundry-ideal for guests, multi-generational living or a private retreat. Enjoy the convenience of being minutes from Port Orchard, charming Manchester and the Southworth Ferry, making Seattle commuting, dining and city adventures effortless. From eagles overhead and seals in the water to kayaks gliding up Curley Creek and ferries passing by, this is more than a home-it’s a private Pacific Northwest waterfront escape where every day feels like a vacation. Enjoy the beauty & privacy of waterfront life!

7727 SE Southworth Drive, Port Orchard

Listing courtesy of Neighborhood Experts Real Est..

$534,900
3 Beds ⋅ 2 Baths ⋅ 2569680 MLS ⋅ ACTIVE Status
The Aspen by LGI Homes at Eldorado is a beautifully designed single-story home offering three bedrooms, a spacious family room and an attached two-car garage all on one convenient level. The chef-ready kitchen features quartz countertops, a white tile backsplash, 42” upper cabinets and a full suite of stainless-steel Whirlpool® appliances, plus a breakfast bar that opens to the main living area, perfect for entertaining. A private owner’s retreat, two additional bedrooms and a large laundry room complete the layout. Move-in ready with LGI Homes’ CompleteHome Plus™ package, The Aspen includes premium upgrades like ENERGY STAR lighting, designer flooring, Low-E windows and a Wi-Fi-enabled garage door opener, all at no extra cost.

5850 Lost City Lane NW, Bremerton

Listing courtesy of LGI Realty.

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