Welcome to The Mortgage Porter, a resource dedicated to helping homebuyers and homeowners make confident decisions about mortgages, refinancing, and home financing. I’m Rhonda Porter, a licensed Mortgage Advisor with more than 25 years of experience serving clients in Seattle and throughout Washington State, as well as nationwide.
As a senior mortgage professional with a passion for transparency and education, my mission is to demystify the mortgage process so you fully understand your options — whether you’re purchasing a home, refinancing, exploring debt consolidation, or comparing loan programs.
My Background & Experience
I began my mortgage career in 2000 and have helped thousands of clients navigate the ever-changing world of home financing. Over the years, I’ve guided first-time buyers, move-up buyers, investors, veterans using VA loans, and homeowners seeking to restructure their finances. Prior to my lending career, I managed an escrow and title branch in South King County.
My areas of expertise include:
- WA State mortgage programs
- FHA, VA, and conforming loan guidelines
- First-time homebuyer assistance programs
- Refinancing and cash-out strategies
- Debt consolidation using home equity
- Understanding mortgage rates and market trends
I publish weekly mortgage rate updates, educational guides, and real-world explanations of lending guidelines to help homebuyers stay informed with up-to-date information.
My Approach
Mortgages can feel overwhelming — but they don’t have to be. I believe in:
- Clear, jargon-free explanations
- Proactive communication
- Education first (informed borrowers make better decisions)
- Customized strategies based on real financial goals
- Long-term relationships, not one-time transactions
My blog, Mortgage Porter, exists so consumers can feel empowered, not confused.
How I Help Homebuyers and Homeowners
Whether you’re buying a home, refinancing, or curious about what today’s rates mean for your budget, I provide guidance in:
- Mortgage pre-approvals
- Rate comparisons and locking strategies
- How to qualify for a home loan
- Understanding loan limits in Washington State
- Reducing debt using home equity
- Navigating underwriting guidelines
- Preparing for closing
Every article on this site is based on real experience working with clients and analyzing market data.
My Professional Credentials
- Licensed Mortgage Advisor / Loan Officer
- NMLS MLO-121324
- 25+ years of mortgage lending experience
- Specializing in Washington State mortgages
- Author of Mortgage Porter since 2006
- Recognized for educational mortgage content and consumer advocacy
Beyond Mortgages
When I’m not advising clients or writing about mortgages, you’ll find me enjoying:
- Cooking and pairing wines
- Painting with acrylics on canvas or black velvet.
- Gardening
- Exploring the greater Seattle area
- Traveling the world.
- Last but not least, spending time with my family!
Work With Me
If you’re ready to take the next step toward buying or refinancing a home, I’d love to help!
Even if your plans are months away, it’s never too early to start having a conversation and planning for your future.
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