“Good communication. Fast closing. No drama - very professional as usual. I recommend all my clients who need to find financing for their home to Rhonda.”
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Refinancing Your Washington Home
Refinancing isn't about timing the market perfectly. It's about strategy.
I'm Rhonda Porter — a Washington State mortgage advisor with New American Funding and the author of The Mortgage Porter. I've been helping Washington homeowners evaluate their refinance options for over 30 years — through rising rates, falling rates, and everything in between.
If you're wondering whether now is the right time to refinance, the honest answer is: it depends on your goals. This page will help you figure that out — and if it makes sense, I'll help you do it right.
IS REFINANCING RIGHT FOR YOU RIGHT NOW? The right question isn't "are rates low enough?" — it's "does it improve my financial position?"
Refinancing makes sense for a lot of reasons beyond just chasing a lower rate. Washington homeowners refinance to:
- Lower their interest rate and monthly payment
- Remove FHA mortgage insurance that won't cancel on its own
- Shorten their loan term and pay their home off faster
- Switch from an adjustable rate to a fixed rate before it adjusts up
- Access home equity for renovations, debt consolidation, or student loan payoff
- Convert a temporary rate buydown into a permanently lower rate
Not sure which of these applies to you? That's exactly what a Discovery Call is for.
→ Schedule a Discovery Call over Zoom to review your current mortgage and financial goals
→ Get your personal refi rate quote
→ Explore all refinance programs
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"Rhonda Porter kept us informed, up-to-date, and supported throughout the process. She answered all of our questions and was available to us when we needed her most. She has a pleasant positive attitude, which is quite refreshing. You will be lucky to choose her to assist you through your loan process." Ellen - refinance in Lake Tapps, WA
Let's figure out if it makes sense for you.
There's no pressure and no obligation. A Discovery Call over Zoom is just a conversation — we look at your current loan, talk through your goals, and I'll tell you honestly whether refinancing makes sense right now or whether it's worth waiting.
If the numbers work, I'll show you exactly what your new payment would be, what it costs to get there, and how long until you break even. If they don't work, I'll tell you that too — and set you up with Rate Watch so you're ready when they do.
I look forward to hearing from you!
Best regards,
Rhonda Porter | Senior Mortgage Advisor - MLO121324 | New American Funding
→ Call or text: (206) 718-9488 → Email: [email protected]