Helping Washington State homeowners learn more about their mortgage options.
Mortgage rates continue to be influenced by a combination of economic data, bond market activity, and Federal Reserve messaging. While headlines often focus on whether the Fed is cutting rates, mortgage rates are reacting to a much broader set of factors — especially what’s happening in the bond market.
In this week’s Mortgage Porter Weekly, I’m breaking down what’s moving rates right now and what homebuyers and homeowners should be paying attention to.
In this week’s episode of The Mortgage Porter Weekly, we’re covering several timely topics that are influencing mortgage rates and homeownership decisions right now — from global trade headlines to practical ways homeowners are funding remodels.
If you’re watching rates, thinking about renovating your home, or planning to buy in the near future, here’s a recap of what we discussed.
Today we honor Dr. Martin Luther King Jr. and reflect on his enduring message of justice, compassion, and equality.
May we continue striving to lead with understanding, kindness, and respect for one another and lead with love.
How Much Money Do You Need to Buy a Home?Down payment, closing costs, and real-world ways to make homeownership possible
One of the biggest myths about buying a home is that you “need 20% down.” In reality, many buyers can purchase with far less—and sometimes with little to no out-of-pocket funds, depending on the loan program, down payment assistance options, and whether the seller contributes toward closing costs.
In this workshop replay, I break down the real costs of buying a home, when those costs show up during the transaction, and the most common (and acceptable) ways to source your funds—so you can plan with confidence. [Read more…]
Mortgage rates have been moving fast and unpredictably. One day they’re up, the next day they dip just enough to make refinancing worthwhile—but only if you’re ready to act. For many homeowners, the challenge isn’t wanting to refinance, it’s knowing exactly when to move.
That’s why I created my Rate Watch program.
Mortgage rates moved below 6% on 30-year fixed loans, and last week delivered some of the most headline-driven volatility we’ve seen so far in 2026. Between political pressure, economic data, and mortgage bond activity, it’s a market that can change quickly.
In this week’s episode of The Mortgage Porter Weekly, I break down what happened last week, what to watch this week, and what it means for homeowners and homebuyers—especially here in Washington State.
Watch the full video below
If you’re thinking about buying a home, your credit is one of the first places most lenders will look—and it can have a bigger impact than many people realize. Credit doesn’t just affect whether you qualify. It can influence your interest rate, monthly payment, insurance premiums, and even how much home you can afford.
In this second workshop in my Home Buyer Workshop Series, we focus on how credit works in the mortgage process, what impacts your score the most, and the common “common sense” actions that can accidentally hurt your credit when you’re preparing to buy.
Rhonda Porter is a Licensed Mortgage Originator MLO121324 living in the greater Seattle area. Rhonda began her career in 1986 in the title and escrow industry and began her mortgage career in 2000. She enjoys helping people understand the mortgage process and started writing The Mortgage Porter in late 2006. Read More…
Recent Comments