Today's Featured Rates

30 Year Fixed Rate
 Rate  APR  Points
 5.499%  5.605%  0.500%
15 Year Fixed Rate
 Rate  APR  Points
 4.999%  5.176%  0.500%
5 Year Adjustable Rate
 Rate  APR  Points
 6.000%  4.454%  1.000%
7 Year Adjustable Rate
 Rate  APR  Points
 6.375%  4.948%  1.000%
Assumptions

IMAGE
Heidi Villarma
Vice President / Manager


4714 Point Fosdick Drive NW
Gig Harbor, WA 98335


Office: (360) 876-7884
Cell Phone: (360) 509-5003
Fax: (253) 858-6655

Email: hvillarma@kitsapbank.com

Heidi has been involved in the real estate industry since 1987, and the mortgage business since 1992. She specializes in Conventional and Custom construction loans.  A Port Orchard resident since 1992, Heidi is the past President of Soroptimist International of Port Orchard, member of the Kitsap Association of Realtor, Home Builders Association of Kitsap and Pierce Counties and the Mullenix Ridge PTA.

Benefits
Still want to have personal assistance?
You can call or e-mail me to answer any of your questions or to ask for advice.
Ready to close on your mortgage quickly?
I can get your mortgage approved in minutes, rather than days or weeks!
I'll watch rates for you!
Whether you are looking for a specific rate or just want to track interest rates, you can keep up-to-date by signing up for my email Rate Watch service. Register for my free Rate Watch service on the "Check Rates" page of this website.
Confused about which program to choose?
I offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. I offer easy to understand explanations of each program on the site and I am always just a call or e-mail away!


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