Dave Porter NMLS #483876

06/08/2026

Mortgage quiz

1. Which one of these are not true?
A. Lenders need 60 days worth of bank statements, all pages – even the last one that says “Page 6 of 6 this page left blank intentionally.”
B. Lenders need paystubs for last 30 days
C. Lenders need employment history for the last 24 months.
D. Lenders need a notarized copy of your 3rd grade report card.

2. Which is not True?
A. Dave Porter doesn’t get paid a commission by my company until the loan has closed.
B. Dave Porter has a 4.99 star review average on Zillow
C. Dave Porter has been in lending since 1982
D. Dave Porter is only licensed in Oregon, not OR, WA or CA

3. What is not true about VA mortgage loans?
A. The seller can pay all the buyers closing cost and reserves for taxes and insurance
B. The seller on a VA loan can pay off some debts of the veteran buyer
C. A veteran with a VA related disability does not have to pay the VA funding fee
D. All of these are true

4. Which one is accurate?
A. You must put at least 5% down to buy a home
B. Your debt to income can’t exceed 38%
C. FHA and VA loans have prepayment penalties
D. Rates are lower the better the credit score

5. Which one is incorrect?
A. Fannie Mae fixed rate loans are assumable
B. FHA loans are assumable
C. VA loans are assumable
D. USDA loans are assumable

06/08/2026

Market update:

06/01/2026

Talk to a mortgage loan professional!

There are several people who are making their housing moves now. They simply don’t want to put their plans on hold any longer.
Some are renting out their current homes that have low interest rate rates for positive cash flow.
 If you’re contemplating a housing change, then let’s start with the numbers. I’m happy to provide you estimate for a variety scenarios.

Read my Zillow Reviews at

Search for mortgage lenders on the largest online directory of licensed lenders. Read thousands of customer reviews to find a lender for your home loan.

05/18/2026

Saw a beautiful house today on tour.
3847 Wyoming, Medford
Upgrades and more and a peaceful entertainment outdoor space.

05/11/2026

This is a great sign at Ford real estate in Medford, Oregon
A great reminder!

04/29/2026

https://www.facebook.com/share/1DroscR5tj/?mibextid=wwXIfr

Coming up this Thursday! Hosted at Ford Real Estate @ 624 S. Riverside. Shredding offered from 11am-1pm with a donation to CASA.

04/28/2026

Don’t pay rent cash to your landlord,
Keep a paper trail.
Better idea/ don’t pay rent / pay a mortgage. #

04/21/2026

Just nice.

04/04/2026

René Magritte, The Art of Conversation, 1963

04/03/2026

https://www.nytimes.com/2026/04/03/us/trump-alcatraz-funding.html?smid=nytcore-ios-share

So Trump wants to turn Alcatraz back into a prison. Maybe it’s a good idea and maybe he should be the first occupant.

The plan faces significant local political opposition and the dilapidated state of the site poses considerable logistical challenges.