Lowest Mortgage Rates in 3.5 Years says Freddie Mac!

February 26, 2026 by Rhonda Porter Leave a Comment

Freddie Mac’s PMMS report shows the lowest mortgage rates for the 30 year fixed in over 3.5 years. This is a weekly report based on averages, so this is technically “old news” BUT I really like the direction mortgage rates are currently trending. If you would like to have current rates based on your personal scenario, I can help you with that! [Read more…]

Filed Under: Mortgage Rates & Market Updates Tagged With: mortgage rates

Is a 1% Drop in Mortgage Rates Enough to Refinance in 2026?

February 25, 2026 by Rhonda Porter Leave a Comment

Is a 1% Drop Enough to Refinance?

You’ve probably heard the old rule of thumb: “You shouldn’t refinance unless interest rates drop at least 1%.”

But is that actually true in today’s market?

If you bought your home when rates were 6.75%—or anywhere in that 6–7% range—and you see them dipping into the low 6s or high 5s, you’re likely wondering if that move is enough to make a refinance worth the effort. [Read more…]

Filed Under: Refinancing & Home Equity Tagged With: refinance

Mortgage Rates Under 6% — Is the Supreme Court Ruling on Tariffs Impacting the Market?

February 23, 2026 by Rhonda Porter Leave a Comment

Welcome back to Mortgage Porter Weekly!

After an amazing three-week road trip down to California, the Grand Canyon, and back home to Seattle, I’m officially back in the office and watching the markets closely. And what a week to return — we’re seeing something we haven’t consistently seen in a while…

30-year conforming mortgage rates are trending lower!

That’s getting attention.

Mortgage Programs for Homebuyers – Workshop Replay

February 20, 2026 by Rhonda Porter Leave a Comment

Mortgage Programs for Homebuyers

Understanding your options and choosing the right loan for your goals

When people hear the term mortgage programs, they often assume there’s a single “best” loan—or that qualifying automatically means one fixed option.

In reality, mortgage programs are simply different rule books. Each program has its own guidelines around down payment, credit flexibility, mortgage insurance, and how competitive your offer looks to a seller.

In this workshop replay from my Home Buyer Workshop Series, I walk through the most common mortgage programs available to homebuyers—especially first-time buyers—and explain how loan choice can be used strategically to create affordability and strengthen your offer.