Rhonda Porter - Licensed Loan Officer mlo121324

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Rhonda Porter - Licensed Loan Officer mlo121324 I help people become homeowners and when it makes sense to refinance or debt help. Contact her today to take the first step towards

I enjoy creating strategies to help people be in a better position for their financial future and educating on all things mortgage with my blog, classes or a conversation. With over two decades of experience in the mortgage industry, Rhonda Porter is a highly respected and trusted Mortgage Consultant. As a Licensed Loan Officer at New American Funding (NMLS #6606), Rhonda has been dedicated to helping individuals and families achieve their dreams of homeownership since April 2000. Rhonda's journey in the real estate industry began even earlier, back in 1986, when she entered the title and escrow field as a doc puller. Over the course of 14 years, she gained invaluable knowledge and expertise working in various roles within the title unit, sales, and eventually as a branch manager. This extensive background in the title and escrow industry has provided Rhonda with a unique perspective that sets her apart in the mortgage industry. One of Rhonda's greatest strengths lies in her unwavering commitment to client satisfaction. She firmly believes that each client should be well-informed and supported throughout every step of the transaction. With a passion for ensuring her clients' happiness from start to finish, Rhonda takes the time to explain complex processes in a way that is easy to understand. Her approachable nature and willingness to address any questions or concerns promptly make her an excellent partner in the home-buying journey. In addition to her day-to-day work as a Mortgage Consultant, Rhonda is actively involved in sharing her knowledge and expertise with others in the industry. She has presented at Mortgage Tech Summit in Denver and served as a returning panelist at the Lusk Center for Real Estate at USC for a class on mortgage origination. Rhonda has also been a panelist at RE Blog World and the Mortgage Girlfriends Mastermind Retreat, showcasing her thought leadership and dedication to professional growth. Rhonda's insights and expertise have gained recognition from esteemed publications and media outlets. She has been interviewed or quoted by reputable sources such as the Associated Press, WSJ Market Watch, NPR, Seattle PI, National Mortgage Professional, Bankrate, CNBC, Seattle Metropolitan Magazine, MSN Real Estate, The Mortgage Coach, New York Times, Inman News, and KOMO TV. Her contributions to the mortgage industry have been honored by her peers as well. Rhonda has been the recipient of prestigious awards, including the 2011, 2012, and 2013 WAMP Leadership Awards. She was recognized as one of the Top 100 - 5 Star Mortgage Professionals by Seattle Magazine in 2010. Inman News named her as Real Estate's Top Influential Online for 2009, and Seattle Weekly awarded her the title of Seattle's Best Tweeting Mortgage Broker in the same year. The Washington Association of Mortgage Professionals acknowledged her exceptional service with the Jim Fitzgerald Distinguished Service Award in 2009. Through her nationally recognized blog, www.mortgageporter.com, Rhonda is dedicated to educating consumers about the mortgage process. She leverages this platform to provide valuable insights, tips, and resources, helping individuals make informed decisions when it comes to their mortgage needs. Specializing in residential mortgages for homes in Washington, Rhonda has expertise in a wide range of loan options, including Conventional, FHA, VA, USDA, and Non-conforming/Jumbos. Her clients benefit from her in-depth knowledge of the local market and her ability to tailor solutions to their specific needs. When working with Rhonda Porter, you can expect exceptional communication, personalized guidance, and a commitment to ensuring a smooth and successful home-buying or refinancing experience. Her dedication to her clients' satisfaction, combined with her extensive industry expertise, makes her an outstanding choice for anyone seeking mortgage advice and assistance. For all your mortgage needs in Washington, trust Rhonda Porter to be your knowledgeable and reliable Mortgage Consultant.

10/29/2026

Hey 👋 RE Agents! If you are not.doing anything for lunch today, join me for a 1 hr Zoom webinar about the new appraisal format UAD 3.6.

Contact me to RSVP!

10/28/2026

Fed update:

Rates held at 3.75%–4% (as expected)
Vote was 10–2, both dissents wanted a hike
Mortgage bonds: little changed
New: Fed meeting schedule changing starting next fall

Takeaway: don’t wait on the Fed. Plan around today’s rate. Message me and let’s look at your options.

10/26/2026

Happy Monday! Your Mortgage Porter Weekly update is here 🎥

This week we look at:

Why housing activity cooled in September
Where mortgage rates are trending (holding steady)
Fed week and earnings season
A home-buying strategy: seller credit vs. price reduction

Real estate agents: join my Thursday noon Zoom on the new UAD 3.6 appraisal format! Message me for the link.

Selling or refinancing this fall? The new appraisal report (UAD 3.6) asks for more detail than the old forms, so the vis...
10/22/2026

Selling or refinancing this fall? The new appraisal report (UAD 3.6) asks for more detail than the old forms, so the visit may run longer and your square footage may show up in separate figures. None of that is a red flag, and a little prep goes a long way.

My new checklist covers:
• Building a Home Information Folder (upgrades, permits, system ages, ADU details)
• Getting the home ready for full access
• What to do, and what not to do, on appraisal day

Want more info? Let's talk!

10/19/2026

New Mortgage Porter Weekly! Inflation ran hotter than expected, bonds got a boost from a flight to safety, and mortgage rates improved slightly. Plus, appraisals are changing next month. If you're planning to sell or refinance, a simple Home Information Folder can help your appraisal go smoothly.

Questions about your own plans? I'd love to hear from you. Rhonda Porter, Mortgage Advisor, NMLS #121324

10/12/2026

Your Monday mortgage update is here!

Rates held about steady this week, and inflation reports on Wednesday and Thursday could move things. The bigger story for buyers is that the market is becoming more balanced, which means less competition and more room to negotiate, especially on homes that have been listed a while.

Watch the video and read the recap posted in comments below.
Questions about buying or refinancing? Message me anytime, I’m always happy to help.

10/05/2026

This week's Mortgage Porter Weekly is up! 🏡

This week: inflation came in cooler than expected, but the latest jobs report was soft. Rates ticked higher last week, and global uncertainty is still a big factor. It's a light economic calendar this week, so I'll be watching the headlines.

Plus, this week's spotlight: how a bridge loan can help you buy before you sell, without carrying two housing payments.

Watch the video and read the full update linked below in comments. Thinking about buying, refinancing, or a retirement mortgage? Message me anytime. I'd love to help.

Jen reached out after another lender wasn't the right fit for a condo purchase in Bothell. The loan was a non-QM (non-tr...
09/30/2026

Jen reached out after another lender wasn't the right fit for a condo purchase in Bothell. The loan was a non-QM (non-traditional) mortgage, which can be a great option when a buyer's situation doesn't fit the standard agency guidelines. The right lender and the right loan structure make all the difference.

Thank you, Jen, for the kind words and for trusting me with such an important step.

If you've been told your situation is "too complicated" for a traditional loan, let's talk!

09/29/2026

Preparing scenarios for returning clients who are looking to buy their next home... our strategies include negotiating a seller paid permanent rate buy down. With 20% down payment, you can ask for up to 6% of the sales price to go towards allowable closing costs - including points to lower your interest rates. Buying down the rate will often lower your monthly payment than a price reduction.

More details in the comments!

09/28/2026

Rates are trending higher again this week, and a few things are driving it: comments from Fed officials suggesting another rate hike may be needed, ongoing uncertainty overseas, and a full slate of economic data on the way.

This week we're watching PCE inflation (the Fed's favorite gauge), plus jobs data from ADP and the BLS. All eyes will be on Friday's jobs report.

Spotlight this week: Home Equity Lines of Credit. Whether you want to tap your equity now or just have a line ready for when you need it, there's more flexibility here than people often realize.

Questions about your own scenario? I'd love to help

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Seattle, WA

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