I'm Rhonda Porter — a Washington State mortgage advisor with New American Funding and the author of The Mortgage Porter, one of the most-read mortgage blogs in the Pacific Northwest. I've been quoted in the New York Times, Wall Street Journal, NPR, and Bankrate — not because I chase press, but because people know I give straight answers.

If your agent sent you here, they trust me to take good care of you. Here's everything you need to know to get started.

YOUR FIRST STEP — A PREAPPROVAL THAT ACTUALLY WINS OFFERS

It starts with a Discovery Call.

Before we talk paperwork, let's talk about you — your goals, your timeline, your situation. A Discovery Call is a no-pressure conversation where we figure out what loan program fits your needs, how strong your preapproval can be, and what it will actually take to get you to the closing table. There's no obligation and no hard sell. Just honest answers from someone who's been doing this in Washington State for over 30 years.

Once we've mapped out your plan, we move into the preapproval process — and not just any preapproval. I'll get you a pre-underwritten preapproval, meaning an underwriter reviews your income, assets, and credit before you make a single offer. It's the strongest form of preapproval available, and it tells sellers and their agents that your financing is as solid as it gets.

And when your preapproval is complete, you receive your Buyer's Pass — a digital credential that lives right in your Apple or Google Wallet. When a listing agent asks if you're pre-approved, you simply open your wallet and let them scan your QR code. In seconds they receive your pre-approved status, a personal introduction, your buyer's agent's contact information, and a copy of your pre-approval letter.

→ Schedule your Discovery Call

→ Just want a rate quote? I'm happy to run some numbers for you.

→ Ready to apply now? Start your preapproval here

→ Learn more about the Buyer's Pass

→ Buying and Selling at the same time? Check out the Seller's Guide

One thing that separates me from a lot of loan officers: I don't disappear after closing day. I review my clients' mortgages annually to make sure your loan is still working for you — whether that means watching for a refinance opportunity, helping you think through a move-up purchase, or just answering a question years down the road.

⭐⭐⭐⭐⭐

"We loved working with Rhonda. She was the financial angel on our shoulder, helping us get through the process with minimal stress and genuinely showing that we mattered to her. Would recommend her in a heartbeat!" Kevin - Homebuyer in Lake Forest Park, WA

That's the experience I aim to create for every buyer I work with.

→ Read more reviews.

When you work with me, you're not a transaction. You're a client for as long as you need me.

I look forward to hearing from you!

Rhonda Porter · MLO121324 · New American Funding · mortgageporter.com

→ Call or text: (206) 718-9488 → Email: [email protected]