Kitsap COUNTY · WASHINGTON
Mortgage Broker in Bremerton, WA
A Bremerton-to-Seattle commute can change a home budget even when two listings have similar mortgage payments. Check the actual ferry trip, terminal parking and work schedule before deciding how much monthly housing cost feels manageable.
Mortgage Lending Group LLC serves Bremerton from 123 2nd Ave S, Suite 230, Edmonds, WA 98020. Enrique Pelayo Jr, AMP · NMLS #131435 · English & Spanish.
Educational guidance · Updated 2026-09-29 · Our content standards
MORE THAN TWO DECADES OF EXPERIENCE
Enrique Pelayo Jr, AMPFounder of Mortgage Lending Group LLC. Personal guidance for home purchases, refinancing and equity decisions, in English and Spanish. Serving Seattle and nearby communities from Edmonds.
NMLS #131435 · Mortgage Lending Group LLC · CL-1157983
What does the AMP designation mean?
AMP stands for Accredited Mortgage Professional. The Mortgage Bankers Association awards this designation to graduates of its three-course School of Mortgage Banking. It represents additional professional education in the mortgage business.
That education complements Enrique’s hands-on experience explaining costs, choices and the mortgage process. The designation is separate from a state license and does not guarantee approval or a particular rate.
View Enrique’s AMP credential ↗ · MBA program requirements ↗BEFORE YOU CHOOSE A LOAN
Price the Bremerton ferry commute alongside the home
The City of Bremerton lists different downtown lots and garages, including parking with sheltered access to the ferry terminal. WSDOT calculates Seattle/Bremerton fares by travel date and whether you walk on or bring a vehicle. Compare your realistic commute pattern, not a single generic fare, and keep travel costs separate from loan charges.
Are commuting costs included in my quoted mortgage payment?
Generally they are separate household expenses. Include them in your personal budget even though they are not loan charges.
Compare ferry-terminal parking options before choosing a Bremerton home
The City of Bremerton identifies several downtown parking facilities with different hourly, extended and permit arrangements. Its Kitsap Conference Center Harborside garage offers sheltered access to the ferry terminal. A buyer commuting to Seattle may therefore face a materially different monthly travel budget depending on walk-on versus vehicle travel, which lot is practical and how often the commute occurs. These are household expenses rather than mortgage closing costs.
Before you commit: Before settling on a purchase budget, map the trip from the actual property to the Bremerton terminal, check the city’s current parking rules and permit availability, and use WSDOT’s Seattle/Bremerton fare calculator for your expected dates and passenger or vehicle choice. Multiply by realistic commute days and test a higher-frequency schedule. Compare that total alongside the same loan estimate and property costs for each home.
City of Bremerton: parking rates and ferry-terminal access ↗Source checked 2026-09-29 · Source publication date not provided. This is planning guidance, not a new-policy announcement.
Compare mortgage rates and assistance in Bremerton
Use the same property details, down payment and lock period when comparing Seattle and Washington mortgage rates. Include taxes, insurance, mortgage insurance and any association dues in your budget.
Considering help with closing cash? Read the WSHFC Home Advantage guide and ask a Commission-trained lender to confirm eligibility and participation. Assistance is a separate obligation; compare the repayment terms alongside the first mortgage.
MAKE IT YOURS
Does the monthly cost fit your life?
Put an actual Bremerton property alongside your comfort limit. Use a lender estimate for principal, interest and mortgage insurance; add the costs it may leave out.
Fill in all six amounts to see the comparison. Enter 0 only for costs that do not apply.
Planning only. This does not calculate a mortgage payment or determine approval. Estimates can change. These inputs stay in this page and are not submitted or saved.
ALREADY OWN IN BREMERTON?
Your next move might be staying put.
A refinance that reduces the payment may still cost more over time; compare fees and the remaining term alongside your transport budget.
The sample uses fictional numbers. A home-value estimate is not an appraisal, and equity is not automatically available to borrow.
Check the details at the source.
- WSDOT: calculate ferry fares for your route and travel date ↗ — starting point for city services and property questions; a mailing address does not establish jurisdiction.
- CFPB: compare loan offers ↗ — compare the full terms and costs.
- Washington Commerce: homeownership resources ↗ — independent assistance and counseling resources.
These resources are independent of Mortgage Lending Group LLC. They do not endorse this guide. Availability, eligibility and property rules require current confirmation.
Explore more of Puget Sound.
Seattle mortgage broker: loan limits, buyer programs and payment planning →
This is a service-area guide, not a branch-office listing. Mortgage services are provided through Mortgage Lending Group LLC. Educational planning is not a rate quote, commitment, approval or individualized tax or legal advice. Rates, costs, eligibility and values vary. Professional background and licensing.