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Todd Gydesen, NMLS # 89835

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United States
Lake Oswego, OR
Todd Gydesen, NMLS # 89835

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Purchase & Refinance Pro | OR WA ID | Est. 2002 Turning homeownership dreams into reality isn't just my profession—it's my passion. Let's connect!

As a mortgage broker serving Oregon, Washington, and Idaho since 2002, I've guided countless families through what might be the most significant financial decision of their lives with both expertise and empathy. My approach is straightforward: I match borrowers with the perfect loan program while making complex mortgage processes understandable. This client-centric philosophy has earned me recognition as a "Five Star Professional" mortgage lender in Portland Monthly Magazine for 10 consecutive years, and I'm honored to be ranked as the #1 mortgage broker in Oregon for 2024 by the Scotsman Guide. As a mortgage broker rather than a direct lender, I offer my clients distinct advantages. With access to numerous lending options across multiple financial institutions, I can often secure better rates, more flexible terms, and specialized programs that might not be available through traditional channels. This breadth of options means I can potentially save you time, effort, and money while finding solutions tailored to your unique financial situation. My deep roots in the Pacific Northwest inform everything I do. Born and raised in Salem, I'm a proud University of Oregon graduate (Go Ducks!) with intimate knowledge of our region's housing landscape. This local expertise is particularly valuable as our communities navigate challenging market conditions, including Oregon's 78,000-unit housing shortage and the dynamic shifts occurring in Southwest Washington's growing communities. Beyond transactions, I prioritize education. Whether you're a first-time homebuyer, a seasoned investor, or a real estate professional, my team and I provide the knowledge you need to make confident decisions. We stay ahead of industry trends, regulatory changes, and emerging opportunities to ensure our clients and partners always have access to cutting-edge strategies and solutions. When I'm not helping clients, you'll find me enjoying the natural beauty of the Pacific Northwest with my college sweetheart and wife Alice and our three sons—whether boating on the lakes and rivers of Central Oregon or enjoying our spectacular coastal beaches. Ready to explore your options for purchasing a new home or refinancing your current property? I'm always open to discussing how I can support your homeownership goals or exploring partnership opportunities with fellow professionals committed to strengthening our communities through sustainable homeownership.

11/04/2026

How does a Rate Float Down work?
-
LOCK-IN PERIOD
When securing a mortgage, you typically freeze your interest rate for a set window (often 60–90 days). This shields you from market spikes, but it also prevents you from automatically receiving a lower rate if the market dips before you close.
-
FLOAT-DOWN OPTION
The float-down provision is a secondary feature that allows you to capture a lower interest rate if market conditions improve during your active lock-in period.
-
HOW IT WORKS
If market rates decrease while your loan is in processing, this provision permits a one-time adjustment. You can float your locked rate down to align with the current, more favorable market pricing.
-
BENEFITS
This option provides the ultimate safety net: you are protected against rising costs while maintaining the agility to secure a better deal, all without restarting the entire application process.
-
CONSIDERATIONS
Costs: Lenders often charge an upfront fee or a slightly higher initial rate for this flexibility. Thresholds: Reductions are rarely automatic; the market usually needs to drop by a specific margin (e.g., 0.25%) to trigger the option.
Timing: There is often a specific window within the lock period where the float-down can be exercised.
-
If you have questions or would like to further discuss float down mortgage rate then DM or call me at 503-312-4686.
-
Todd Gydesen, MTG Broker NMLS # 89835 | Vantage Mortgage Brokers NMLS # 35986 |
OR Mortgage Broker License | WA Mortgage Broker License | ID Mortgage Broker License | Equal Housing Opportunity | www.nmlsconsumeraccess.org
-
Source: TBWS Group. For informational purposes only. Forecasts are not guaranteed, and neither Vantage Mortgage Brokers nor The TBWS Group is liable for decisions based on this report.
-

11/02/2026

Lending rules are changing in 2027 — are your deals protected?

One hour. Crucial updates. Zero fluff.

Swipe through to see what’s shifting:
• Conforming loan limits expanding (up to $845,000 with many lenders already moving)
• Mandatory transition to UAD 3.6 appraisal reports
• Major overhaul of Fannie Mae’s condo reviews & insurance standards
• Modernized DTI rules for departing residences

These changes can impact buyer purchasing power, appraisal timelines, condo financing, and how you structure purchases when clients are moving. Missing them risks mid-transaction delays, lost earnest money, or deals falling apart.

Join us live on Zoom: Thursday, November 5
10–11 AM Pacific

Master the operational and underwriting changes reshaping mortgage finance in 2027.
Designed for loan officers, underwriters, processors, and real estate agents.

Presented by: Todd Gydesen, Mortgage Broker OR WA ID
Moderated by: Tammie Volland, Business Development Specialist

Register in advance — sign-up link in the comments.

Protect your pipeline.
Position yourself as the go-to expert in 2027.

---
Todd Gydesen, Mortgage Broker
NMLS # 89835
--
Vantage Mortgage Brokers
NMLS # 35986
OR Mortgage Broker License
WA Mortgage Broker License
ID Mortgage Broker License
Equal Housing Opportunity
www.nmlsconsumeraccess.org
---

10/30/2026

Lending rules are changing in 2027 — are your deals protected?

One hour. Crucial updates. Zero fluff.

Swipe through to see what’s shifting:
• Conforming loan limits expanding (up to $845,000 with many lenders already moving)
• Mandatory transition to UAD 3.6 appraisal reports
• Major overhaul of Fannie Mae’s condo reviews & insurance standards
• Modernized DTI rules for departing residences

These changes can impact buyer purchasing power, appraisal timelines, condo financing, and how you structure purchases when clients are moving. Missing them risks mid-transaction delays, lost earnest money, or deals falling apart.

Join us live on Zoom: Thursday, November 5
10–11 AM Pacific

Master the operational and underwriting changes reshaping mortgage finance in 2027.
Designed for loan officers, underwriters, processors, and real estate agents.

Presented by: Todd Gydesen, Mortgage Broker OR WA ID
Moderated by: Tammie Volland, Business Development Specialist

Register in advance — sign-up link in the comments.

Protect your pipeline.
Position yourself as the go-to expert in 2027.

---
Todd Gydesen, Mortgage Broker
NMLS # 89835
-
Vantage Mortgage Brokers
NMLS # 35986
OR Mortgage Broker License
WA Mortgage Broker License
ID Mortgage Broker License
Equal Housing Opportunity
www.nmlsconsumeraccess.org
-

10/30/2026

Lending rules are changing in 2027 — are your deals protected?

One hour. Crucial updates. Zero fluff.

Swipe through to see what’s shifting:
• Conforming loan limits expanding (up to $845,000 with many lenders already moving)
• Mandatory transition to UAD 3.6 appraisal reports
• Major overhaul of Fannie Mae’s condo reviews & insurance standards
• Modernized DTI rules for departing residences

These changes can impact buyer purchasing power, appraisal timelines, condo financing, and how you structure purchases when clients are moving. Missing them risks mid-transaction delays, lost earnest money, or deals falling apart.

Join us live on Zoom: Thursday, November 5
10–11 AM Pacific

Master the operational and underwriting changes reshaping mortgage finance in 2027.

Designed for loan officers, underwriters, processors, and real estate agents.

Presented by: Todd Gydesen, Mortgage Broker OR WA ID
Moderated by: Tammie Volland, Business Development Specialist

Register in advance — sign-up link in the comments.

Protect your pipeline.
Position yourself as the go-to expert in 2027.

---
Todd Gydesen, Mortgage Broker
NMLS # 89835
Vantage Mortgage Brokers
NMLS # 35986
OR Mortgage Broker License
WA Mortgage Broker License
ID Mortgage Broker License
Equal Housing Opportunity
www.nmlsconsumeraccess.org
---

10/26/2026

Buying a home looks very different today than it did a generation ago. With the median age of a first-time homebuyer now at 40 years old, younger generations are facing unique affordability challenges—but family support can completely change the game.

The good news? Gifting cash for a down payment isn't the only way to help.

Join us for Share The Wealth, a practical, live session covering:

🔹 Creative, impactful ways to help your kids and grandkids reach homeownership

🔹 Clear, actionable first steps to get started

🔹 Live Q&A with real estate and lending professionals

Wednesday, October 28 at 6:30 PM Pacific
Live on Zoom - Registration link in post comments.

👉 Swipe through the slides for key insights, and click the link in the post comments to register in advance!

--

Todd Gydesen, Mortgage Broker
NMLS # 89835
--
Vantage Mortgage Brokers
NMLS # 35986
OR Mortgage Broker License
WA Mortgage Broker License
ID Mortgage Broker License
Equal Housing Opportunity
www.nmlsconsumeraccess.org
--

10/23/2026

Buying a home looks very different today than it did a generation ago. With the median age of a first-time homebuyer now at 40 years old, younger generations are facing unique affordability challenges—but family support can completely change the game.

The good news? Gifting cash for a down payment isn't the only way to help.

Join us for Share The Wealth, a practical, live session covering:

🔹 Creative, impactful ways to help your kids and grandkids reach homeownership
🔹 Clear, actionable first steps to get started
🔹 Live Q&A with real estate and lending professionals

Wednesday, October 28 at 6:30 PM Pacific
Live on Zoom - Registration link in post comments.

👉Watch video for key insights, and click the link in the post comments to register in advance!
--
Todd Gydesen, Mortgage Broker
NMLS # 89835
--
Vantage Mortgage Brokers
NMLS # 35986
OR Mortgage Broker License
WA Mortgage Broker License
ID Mortgage Broker License
Equal Housing Opportunity
www.nmlsconsumeraccess.org
--

10/21/2026

WHAT IS A RATE FLOAT-DOWN?
-
LOCK-IN PERIOD
When securing a mortgage, you typically freeze your interest rate for a set window (often 60–90 days). This shields you from market spikes, but it also prevents you from automatically receiving a lower rate if the market dips before you close.
-
FLOAT-DOWN OPTION
The float-down provision is a secondary feature that allows you to capture a lower interest rate if market conditions improve during your active lock-in period.
-
HOW IT WORKS
If market rates decrease while your loan is in processing, this provision permits a one-time adjustment. You can float your locked rate down to align with the current, more favorable market pricing.
-
BENEFITS
This option provides the ultimate safety net: you are protected against rising costs while maintaining the agility to secure a better deal, all without restarting the entire application process.
-
CONSIDERATIONS
Costs: Lenders often charge an upfront fee or a slightly higher initial rate for this flexibility. Thresholds: Reductions are rarely automatic; the market usually needs to drop by a specific margin (e.g., 0.25%) to trigger the option.
Timing: There is often a specific window within the lock period where the float-down can be exercised.
-
Read the article to learn more: https://lnkd.in/ejd8zrAy. If you have questions or would like to further discuss float down mortgage rate then DM or call me at 503-312-4686.
-
Todd Gydesen, MTG Broker NMLS # 89835 | Vantage Mortgage Brokers NMLS # 35986 | OR Mortgage Broker License | WA Mortgage Broker License | ID Mortgage Broker License | Equal Housing Opportunity | www.nmlsconsumeraccess.org
-
Source: TBWS Group. For informational purposes only. Forecasts are not guaranteed, and neither Vantage Mortgage Brokers nor The TBWS Group is liable for decisions based on this report.
-

10/14/2026

WHAT IS A RATE FLOAT-DOWN-LOCK-IN PERIOD
-
When securing a mortgage, you typically freeze your interest rate for a set window (often 60–90 days). This shields you from market spikes, but it also prevents you from automatically receiving a lower rate if the market dips before you close.
-
FLOAT-DOWN OPTION
The float-down provision is a secondary feature that allows you to capture a lower interest rate if market conditions improve during your active lock-in period.
-
HOW IT WORKS
If market rates decrease while your loan is in processing, this provision permits a one-time adjustment. You can float your locked rate down to align with the current, more favorable market pricing.
-
BENEFIT
This option provides the ultimate safety net: you are protected against rising costs while maintaining the agility to secure a better deal, all without restarting the entire application process
-
CONSIDERATIONS
Costs: Lenders often charge an upfront fee or a slightly higher initial rate for this flexibility.
Thresholds: Reductions are rarely automatic; the market usually needs to drop by a specific margin (e.g., 0.25%) to trigger the option.
Timing: There is often a specific window within the lock period where the float-down can be exercised.
-
Read the article to learn more: https://lnkd.in/ejd8zrAy.
-
If you have questions or would like to further discuss float down mortgage rate then DM or call me at 503-312-4686.
-
Todd Gydesen, Mortgage Broker
NMLS # 89835 | OR WA ID
-
Vantage Mortgage Brokers
NMLS # 35986
OR Mortgage Broker License
WA Mortgage Broker License
ID Mortgage Broker License
Equal Housing Opportunity
www.nmlsconsumeraccess.org
-
Source: TBWS Group. For informational purposes only. Forecasts are not guaranteed, and neither Vantage Mortgage Brokers nor The TBWS Group is liable for decisions based on this report
-

10/06/2026

WHAT IS A RATE FLOAT-DOWN-LOCK-IN PERIOD

When securing a mortgage, you typically freeze your interest rate for a set window (often 60–90 days). This shields you from market spikes, but it also prevents you from automatically receiving a lower rate if the market dips before you close.
-
FLOAT-DOWN OPTION
The float-down provision is a secondary feature that allows you to capture a lower interest rate if market conditions improve during your active lock-in period.
-
HOW IT WORKS
If market rates decrease while your loan is in processing, this provision permits a one-time adjustment. You can float your locked rate down to align with the current, more favorable market pricing.
-
BENEFIT
This option provides the ultimate safety net: you are protected against rising costs while maintaining the agility to secure a better deal, all without restarting the entire application process
-
CONSIDERATIONS
Costs: Lenders often charge an upfront fee or a slightly higher initial rate for this flexibility.
Thresholds: Reductions are rarely automatic; the market usually needs to drop by a specific margin (e.g., 0.25%) to trigger the option.
Timing: There is often a specific window within the lock period where the float-down can be exercised.
-
Read the article to learn more: https://lnkd.in/ejd8zrAy.
-
If you have questions or would like to further discuss float down mortgage rate then DM or call me at 503-312-4686.
-
Todd Gydesen, Mortgage Broke
NMLS # 89835 | OR WA ID Equal Housing Opportunity
-
Vantage Mortgage Brokers
NMLS # 35986 | OR WA ID
Equal Housing Opportunity
-
Source: TBWS Group. For informational purposes only. Forecasts are not guaranteed, and neither Vantage Mortgage Brokers nor The TBWS Group is liable for decisions based on this report
-

10/05/2026

WHAT IS A RATE FLOAT-DOWN
-
LOCK-IN PERIOD
When securing a mortgage, you typically "freeze" your interest rate for a set window (often 60–90 days). This shields you from market spikes, but it also prevents you from automatically receiving a lower rate if the market dips before you close.
-
FLOAT-DOWN OPTION
The float-down provision is a secondary feature that allows you to capture a lower interest rate if market conditions improve during your active lock-in period.
-
HOW IT WORK
If market rates decrease while your loan is in processing, this provision permits a one-time adjustment. You can "float" your locked rate down to align with the current, more favorable market pricing.
-
BENEFIT
This option provides the ultimate safety net: you are protected against rising costs while maintaining the agility to secure a better deal, all without restarting the entire application process
-
CONSIDERATIONS
Costs: Lenders often charge an upfront fee or a slightly higher initial rate for this flexibility. Thresholds: Reductions are rarely automatic; the market usually needs to drop by a specific margin (e.g., 0.25%) to trigger the option. Timing: There is often a specific "window" within the lock period where the float-down can be exercised.
-
Read the article to learn more: https://lnkd.in/ejd8zrAy. If you have questions or would like to further discuss "float down" mortgage rate then DM or call me at 503-312-4686.
-
Todd Gydesen, Mortgage Broke
NMLS # 89835 | OR WA I
Equal Housing Opportunity
-
Vantage Mortgage Brokers
NMLS # 35986 | OR WA I
Equal Housing Opportunity
-
Source: TBWS Group. For informational purposes only. Forecasts are not guaranteed, and neither Vantage Mortgage Brokers nor The TBWS Group is liable for decisions based on this report
-

Address

17040 Pilkington Road #300
Lake Oswego, OR
97035

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://linktr.ee/ToddGydesen.MortgageBroker

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