Mortgage Rate Update for the Week of December 22, 2025

December 22, 2025 by Leave a Comment

It’s a BIG holiday week and I am postponing this week’s episode of the Mortgage Porter Mortgage Rate Update until next Monday.

Mortgage rates are still in a fairly tight range as you can see from Optimal Blues Mortgage Market Index which is based on mortgage rates that were locked on December 19,2025 by lenders who use Optimal Blue for their pricing/locking platform.
Mortgage rates for December 2025
We don’t know how the mortgage rates are priced – and the rates are from last Friday, so they’re old news! This is just to give you an idea how rates have been trending. If you would like to have see current rates based on your personal financial scenarios, please click this link.

Markets will be closing early on Wednesday, December 24, 2025 for Christmas Eve and will remained close on Thursday, December 25th for Christmas Day.

I hope you and yours have a wonderful holiday!

Filed Under: Interest Rates Tagged With: ,

Renovation Mortgages: Turning “Fixer-Uppers” Into Your Dream Home

December 19, 2025 by Leave a Comment

Renovation Home Loan Mortgage Inspired by my new gingerbread house renovation video!

Every home has a story — and sometimes that story includes a little frosting falling off the roof.

In my new Sora-generated video, you’ll see a fun twist: my animated character repairing a gingerbread house as though it were a real remodel. It’s a playful way to highlight a very real mortgage option many homebuyers and homeowners don’t realize exists: renovation loans. [Read more…]

Filed Under: ADU & DADUs, HomeStyle, New Construction, Remodel, Renovation Mortgage Tagged With: , ,

Charming Starter Home in Puyallup – Perfect First-Time Buyer Opportunity

December 18, 2025 by Leave a Comment

Home in Puyallup WA8011 148th Avenue Ct E, Puyallup, WA 98372 – Listed by Mike Severeid with exp Realty

[Read more…]

Filed Under: First Time Home Buyer, Real Estate Tagged With: , ,

Medical Professional Mortgage Program – The Doctors Loan

December 17, 2025 by Leave a Comment

The Doctor Medical Professional Mortgage Program100% Financing | No Mortgage Insurance | Loan Amounts Up to $2 Million

I’m pleased to announce a new mortgage program designed specifically for medical professionals. This program recognizes the unique financial profile of doctors — including high student loan balances, strong earning potential, and career stability — and offers flexible financing that traditional loan programs often don’t.

Whether you’re early in your medical career or well established, this program is built to make homeownership more accessible without requiring a large down payment or private mortgage insurance. [Read more…]

Filed Under: Mortgage Programs, Refinance, Residential Purchase, Specialty Mortgage Programs Tagged With: , , , ,

How Do I Compare Mortgage Lenders or Loan Officers?

December 16, 2025 by Leave a Comment

How to Compare Mortgage LendersHow Do I Compare Mortgage Lenders or Loan Officers?

Choosing the right mortgage lender or loan officer is one of the most important decisions you’ll make during the homebuying or refinancing process. While interest rates matter, the right professional can save you stress, time, and even thousands of dollars in the long run.

Many buyers now turn to AI tools—like ChatGPT or Google Gemini—to help compare mortgage options. But whether you’re using AI or doing your own research, here are the five most important factors to consider when comparing lenders or loan officers. [Read more…]

Filed Under: Refinance, Residential Purchase Tagged With: , , , ,

Mortgage Rate Update for the Week of December 15, 2025

December 15, 2025 by Leave a Comment

This week’s episode of The Mortgage Porter – Mortgage Rates and More!

Learn what may impact mortgage rates this week, including two months of the backlogged BLS Jobs Report and more!

If you’re thinking about buying, selling or refinancing your home, I’m happy to help you!

Filed Under: Interest Rates

Where Are Homebuyers Moving in Washington State?

December 13, 2025 by Leave a Comment

Buying a Home in Washington StateIf you’re planning to buy a home in Washington State, you’re not alone — and you’re probably using a mortgage between $300,000 and $1,000,000.

That loan range now represents the largest share of homebuyers across Washington, from first-time buyers to relocations and move-up homeowners. But where people are buying has shifted significantly in the past few years.

Below are the top Washington cities attracting homebuyers and what mortgage financing typically looks like in each market. [Read more…]

Filed Under: Residential Purchase, Seattle, Tacoma Tagged With: , , , ,

Working with a Local Lender vs. an Online Lender for your Mortgage

December 12, 2025 by Leave a Comment

Drunk Racoon has regrets using an online lender for his mortgageLast week I had fun creating a spoof where I’m consoling a drunk racoon, Rocky. Rocky has the blues because he decided to chase a low rate with an online lender and now his home purchase transaction is on a rocky road. All joking aside, I actually have saved several purchases where clients who first opted for an online lender with a slightly lower rate discovered that the loan officer and their lender could not close their transaction. It’s easy to promise a low mortgage rate but that low rate doesn’t matter at all if your transaction doesn’t close. [Read more…]

Filed Under: Just for Fun, Residential Purchase Tagged With: , , , , , ,
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