Mortgage Programs

As a Correspondent Lender, we process, underwrite, prepare loan documents and fund mortgages from our credit line. We also have the ability to broker mortgages when needed.

We offer the following mortgage programs:

• Conventional Conforming : See current conforming loan limits for Washington state homes at the bottom of this website.
  • Freddie Mac Home Possible 
  • Fannie Mae Home Ready
  • Washington State Housing Finance Commission Programs including the Home Advantage Program, House Key (state bond) and many different down payment assistance programs.
  • Family Opportunity Mortgage: UPDATE 4/2019 This program is no longer available…however, we have other options that may work for you!
  • Fannie Mae HomeStyle (rehab loan)
  • All-in-One Construction Loans
  • Renovation Mortgages
  • 80/10/10 (aka “piggy-back” mortgage loans)
• Jumbo – non-conforming
  • Reduced down payment options
  • Asset based programs
• FHA : See a complete list of current FHA loan limits for Washington state homes at the bottom of this website.
  • FHA Streamline Refinances
  • 203k Rehab
  • Home Advantage
  • FHA Jumbo
• VA
• VA Jumbo
• USDA
• Cash Buyer Program
• 2-1 and 3-2-1 Buydowns
• Home Equity Loans (HELOC) and Second Mortgages
• Offset Mortgage Loans
• Multi-Generational Home Mortgages
• Reverse Mortgage
• Non-warrantable Condos
• Manufactured Home Mortgage Loans

We have programs for owner occupied, vacation/second homes and investment properties for 1-4 unit homes, including condos. We offer fixed rate and adjustable rate mortgage programs.

Rhonda Porter has been originating mortgages since April 2000. If you would like Rhonda to assist you with your mortgage for your home (owner occupied, vacation or investment) located anywhere in Washington State, click here.  If you need help with a mortgage on a home not located in Washington, Rhonda is happy to refer you to another mortgage professional.