Fast, Simple, and Secure Pre-Approval for Washington Homebuyers

25+ years of experience • Local Washington expertise • Mortgage Advisor NMLS MLO-121324

Whether you’re buying your first home, refinancing, or comparing your loan options, getting pre-approved is the best first step. I make the process clear, efficient, and personal — no call centers, no pressure, and no confusing surprises.

To get started, you can easily apply for mortgage and take the first step towards homeownership.

Click below to begin your application or request a personalized rate quote.

Don’t hesitate to apply for mortgage today and see your options.

👉 Start Your Secure Mortgage Application or click here to start an application for a home equity line of credit (second mortgage/HELOC).

Why Apply With Me?

✔ Local Washington Mortgage Expert

I’ve been helping borrowers across Washington State for over 25 years — from the greater Seattle area to Anacortes, Twisp and communities across the state.

✔ Fast, Accurate Pre-Approvals

I review your application personally and provide clear next steps so you know exactly what to expect.

✔ Personalized Options

I compare multiple loan programs and provide side-by-side cost breakdowns so you can choose what works best for your goals.

✔ Seamless Communication

I keep you informed at each stage — whether you’re purchasing, refinancing, or exploring options.

✔ Trusted by Homebuyers & Real Estate Brokers

Known for transparency, reliability, and guidance without pressure.

What Type of Mortgage Do You Need?

I offer a full range of mortgage programs to fit nearly every scenario:

Home Purchase Loans

Conventional / Conforming
FHA
VA
Jumbo
Portfolio
USDA Rural Housing
Washington State down payment assistance
First-time homebuyer programs
Cash Buyer Programs
Bridge Loans
2–4 unit homes

Refinance & Equity Loans

Rate-and-term refinance
Cash-out refinance
Debt consolidation
Home equity loans
HELOCs

Specialized Financing

Renovation loans (FHA 203k, HomeStyle)
Investment property loans
Construction & remodel loans
Reverse mortgages (for qualified borrowers 62+)

If you’re unsure which option fits your situation, I’ll walk you through it.

What You’ll Need to Get Started

Application requirements vary by loan type, but most borrowers provide:

Recent pay stubs
W-2s or 1099s
Federal tax returns
Bank statements
Photo ID
Information about your current housing or mortgage (if applicable)

After you submit your application, I will provide you with a detailed list of what we will need based on your financial scenario.

Don’t worry if you’re missing something — you can still start your application now and upload items later.

What Happens After You Apply?

1. I personally review your application
No bots, no call centers — just clear, experienced guidance.

2. We have a Discovery Call and review possible scenarios to find the home loan that fits your financial goals.
You’ll receive a detailed breakdown of loan options, estimated payments, and personalized recommendations.

3. You receive your initial pre-approval letter
Strong, reputable pre-approval letters help you make competitive offers in today’s market.

4. We prepare your pre-underwritten preapproval letter
After we have your initial pre-approval, we submit your loan to an actual underwriter to be “pre-underwritten”. This helps to elevate your offer over other buyers and close faster, if needed.

5. We keep the process smooth from start to finish
My goal is to make financing the easiest part of buying your home.

Ready to Get Started?

Most borrowers finish the initial application in 20 minutes or less.

👉 Start Your Secure Mortgage Application
Your information is private, secure, and never shared without permission.

Prefer to start with a quote instead?

👉 Request a personalized rate quote
👉 Schedule a call with me

Borrower Reviews

“Rhonda was the best! Throughout the process of finding our first home, Rhonda was always available to answer any questions we had. When we had questions about interest rates, for example, she sent us lots of different scenarios tailored towards our desired neighborhood and financial circumstances, as well as videos where she explained what we were looking at. She made our first home buying experience extremely straightforward, and we’re looking forward to working with her in the future. Thanks, Rhonda!” Raven from Seattle, King County, WA

“Rhonda Porter is the most honest and thorough mortgage lender I have ever worked with. She analyzed our finances and provided us with a bullet list of things that we needed to work on in order for us to successfully purchase a home. She provided us with numerous options and was readily available to us when we had questions. I highly recommend working with her.” Jamie from Normandy Park, King County, WA

Click here for more client reviews.

FAQs

Do I need perfect credit to apply?

No — many loan programs allow flexible credit requirements. Applying helps us determine your best options.

Is the application secure?

Yes. Your information is encrypted and securely transmitted through our lending platform.

Do you work with first-time buyers?

Absolutely. I specialize in guiding new buyers through the entire process with clarity and confidence.

How long does pre-approval take?

Most borrowers receive a pre-approval within 24–48 hours after submitting documentation.

How soon should I start the pre-approval process?

Even if you’re not thinking about buying for several months, the time to start is now. Starting early allows us to have time to review your scenario and make any adjustments to savings or improvements to your credit scores. Often times, there are “common sense” actions that people take that may actually impact their preapproval potential. I highly recommend that we start reviewing your scenario as soon as possible to help you be on the right path for buying a home.

Here are some important publications you should take time to review when considering a mortgage application:

Thank you!

UPDATED: December 7, 2025

Apply for a Mortgage – Let’s Get Started!

Fast, Simple, and Secure Pre-Approval for Washington Homebuyers