Debbie Rutherford, Mortgage Loan Originator NMLS ID 299692

Debbie Rutherford, Mortgage Loan Originator  NMLS ID 299692 Arrive Home Loans offers Conventional, FHA, VA, USDA & Jumbo loans AND specialized home financing!!

I love this..
02/05/2026

I love this..

I often provide market updates because that is useful and important information. I would also like to take a moment to discuss the significance often associated with selling your home. Because at the end of the day, it's not just a business transaction for most of us.

For most people, selling their home is personal, not transactional. Yes, everyone understands there is a business side of things and that their home is a financial investment and so on. But for so many of us, it’s where our kids first learned to walk or ride their bikes. It’s where you had your grandparents over before they passed.

I still have the grooves in the wood floor in my hallway from my grandfather’s wheelchair. And now, walking through my hallway, I’m always reminded of him and how happy he was to be at our family gatherings.

So many of my clients have similar stories. I always take the time to listen to these stories and honor the history of the home and property.

Is it important to realize the market reality and the business side? Absolutely. But it’s also important to honor the memories of the home.

Our homes are such a huge part of our lives — where we laugh and where we cry. They are where we experience so much of our lives that no one else knows about.

This is why so many people want to visit the home where they grew up or where they had happy times, because walking through a home isn’t just walking through four walls with a roof — it’s walking through our memories.

02/05/2026

🙌🙌🙌

Ryan Herring, Fathom Realty Debbie Rutherford

02/02/2026

📊 Mortgage Rate MYTH vs FACT 🏡

❌ MYTH: The Fed didn’t cut rates, so mortgage rates must be high
✅ FACT: Mortgage rates don’t move directly with the Fed — they follow long-term bonds

❌ MYTH: You should wait for the “perfect rate”
✅ FACT: Waiting often costs more in home prices and missed opportunities

❌ MYTH: Rate is the only thing that matters
✅ FACT: Loan structure, credits, and strategy matter just as much

💡 The Fed holding rates steady actually brings more stability, which is good news for buyers and homeowners.

Curious what this means for your situation?
I’m always happy to walk through options. 💬

— debb 💙💚

Debbie Rutherford

01/28/2026

🩺 Doctor Loans are now LIVE at Arrive Home Loans! 💙💚

Our Doctor Loan Program is designed to support physicians at every stage of their career, with financing that reflects earning potential — not traditional mortgage roadblocks.

✔️ Up to 100% financing
✔️ Loan amounts up to $2 million
✔️ No mortgage insurance required
✔️ Flexible solutions for residents, fellows, and practicing physicians

This program helps medical professionals move forward with confidence — whether they’re just starting out or well established.

01/12/2026

MONTHLY PAYMENT REALITY

💙💚 Your House Payment Is More Than Just the Rate 🏡

When people shop for a home, they focus on interest rates — but that’s only part of the picture.

A real monthly payment includes:
✔ Principal & Interest
✔ Property Taxes
✔ Homeowners Insurance
✔ Sometimes PMI or HOA dues

Clear numbers = confident decisions 💙💚

01/05/2026

💙💚 Down Payment Myth — Let’s Clear This Up

One of the biggest reasons people delay buying a home is believing they need 20% down.

Here’s the truth:
✔ Many buyers qualify with 3–5% down
✔ Some loan programs allow $0 down (if you qualify)

The right down payment depends on your goals, finances, and the loan program — not a one-size-fits-all rule.

If you’re curious what you might need, feel free to message me. I’m always happy to help 💙💚

12/08/2025

🏡 Thinking About Investing? DSCR Loans Are a Game Changer.

Here’s why investors love them ⬇️
✔ No income docs needed — approval is based on the property’s rental income.
✔ Fast + easy closings — perfect for competitive markets.
✔ Buy under an LLC — ideal for investors building a portfolio.
✔ Short-term & long-term rentals allowed
✔ Interest-only options = stronger cash flow

Realtors: DSCR loans expand your buyer pool and help you close more investment deals with fewer financing hiccups.



Debbie Rutherford

Debbie Rutherford
11/25/2025

Debbie Rutherford

Sarah Forshaw - Home Sweet Home

I love all my transactions but when its friends you love, love, love that makes it all the more special. Congrats all..
09/05/2025

I love all my transactions but when its friends you love, love, love that makes it all the more special. Congrats all..

This 1600 square feet Single Family home has 2 bedrooms and 1 bathroom. It is located at 4606 S Doss Road, Port Angeles, WA.

Cool property.. Debbie Rutherford
06/18/2025

Cool property..

Debbie Rutherford

This 5617 square feet Single Family home has 8 bedrooms and 7 bathrooms. It is located at 272 Rixon Road, Beaver, WA.

So much truth!
06/17/2025

So much truth!

Discover how mortgage preapproval can strengthen your negotiating power, streamline the closing process, and provide financial clarity.

OH.. love the sun room!
06/17/2025

OH.. love the sun room!

Address

1115 E. Front Street Suite B
Port Angeles, WA
98362

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