Todd Gydesen, NMLS # 89835

Todd Gydesen, NMLS # 89835 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 recogni

tion 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.

06/12/2026

HOME LOAN RATE FLOAT-DOWN OPTION?!
-
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, Mortgage Broker
NMLS # 89835 | OR WA ID
Equal Housing Opportunity
-
Vantage Mortgage Brokers
NMLS # 35986 | OR WA ID
Equal Housing Opportunity

06/11/2026

"Huge thank you to Todd for making this whole home buying process so much smoother than I expected. He was knowledgeable, responsive, patient, and always took the time to explain everything clearly. Buying a house can be stressful, but Todd stayed on top of every detail and made me feel supported the entire way through. I truly appreciated his honesty, professionalism, and how hard he worked to get everything done on time (even early!). I couldn’t have asked for a better mortgage broker and would absolutely recommend him to anyone buying a home!" - Jessica Kapuniai
-
___
Todd Gydesen, Mortgage Broker
NMLS # 89835 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access:
https://tr.ee/UydDontzlj
___
Vantage Mortgage Brokers
NMLS # 35986 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access:
https://tr.ee/UydDontzlj
___

06/10/2026

HOME LOAN RATE FLOAT-DOWN OPTION
-
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.
__________
WEEKLY RATE SNAPSHOT
Updated Tuesdays
https://tr.ee/PyxU6Vb3_p
__________
DAILY RATE INSIDER
Trending, Forecast, Volatility
Read full Report: https://rate-mastery.com/loofficer/socialshare.aspx?v=W1Sa7/672kymEXB1NX9/8g==_25195__639162431225203939
__________
BOTTOM LINE
"If you are looking for the risks and benefits of locking your interest rate in today or floating your loan rate, contact your mortgage professional to discuss it with them."
-
Schedule Call: https://tr.ee/2-cXVxIsZz
Contact Form: https://tr.ee/mTzlymydNi
-
Get Live Rates: https://tr.ee/TaG7d7weZd
-
Get A Quote: https://tr.ee/nXLtrTsedO
Apply Online: https://tr.ee/8i89YFco_N
__________
HOW RATES MOVE
"Conventional and Government (FHA and VA) lenders set their rates based on the pricing of Mortgage-Backed Securities (MBS) which are traded in real time, all day in the bond market. This means rates or loan fees (mortgage pricing) moves throughout the day, being affected by a variety of economic or political events. When MBS pricing goes up, mortgage rates or pricing generally goes down. When they fall, mortgage pricing goes up. Tracking these securities real-time is critical. For more information about the rate market, contact me directly. I'm among few mortgage professionals who have access to live trading screens during market hours."
-
ABOUT THIS REPORT AND DISCLOSURE INFORMATION
"All information furnished has been forwarded to you and is provided by thetbws group only for informational purposes. Forecasting shall be considered as events which may be expected but not guaranteed. Neither the forwarding party and/or company nor thetbwsgroup assume any responsibility to any person who relies on information or forecasting contained in this report and disclaims all liability in respect to decisions or actions, or lack thereof based on any or all of the contents of this report."
__________
Todd Gydesen, Mortgage Broker
NMLS # 89835 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access:
https://tr.ee/UydDontzlj
---
Vantage Mortgage Brokers
NMLS # 35986 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access:
https://tr.ee/UydDontzlj
__________

06/03/2026

Certain mortgage options feature variable or floating interest rates rather than fixed ones.

Unlike a stable fixed rate, a floating interest rate shifts over time in response to market changes.

Opting to float your rate means passing on current market offers in the hope that interest rates will drop in the future.

Read my guide 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.

Floating interest rates reflect the market by following an index or tracking another benchmark interest rate.

Todd Gydesen, Mortgage Broker
NMLS # 89835 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access:
https://tr.ee/UydDontzlj

Get Live Rates: https://tr.ee/TaG7d7weZd
Mortgage Calculator: https://tr.ee/efBGA79V9r
Housing Industry News: https://tr.ee/rRV9Thzph8

Vantage Mortgage Brokers
NMLS # 35986 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access:
https://tr.ee/zOpKXyFUbL

This video is for educational purposes only and is not an obligation to lend. All loans are subject to credit and property approval. Rates and terms are subject to change without notice.



Sources: Investopedia, Google

THE FLOAT-DOWN OPTION-LOCK-IN PERIODWhen securing a mortgage, you typically "freeze" your interest rate for a set window...
06/01/2026

THE FLOAT-DOWN OPTION
-
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.
__________
WEEKLY RATE SNAPSHOT
Updated Tuesdays
https://tr.ee/PyxU6Vb3_p
__________
DAILY RATE INSIDER
Trending, Forecast, Volatility
Read full Report: https://rate-mastery.com/loofficer/socialshare.aspx?v=W1Sa7/672kymEXB1NX9/8g==_25169__639158975142937962
__________
BOTTOM LINE
"If you are looking for the risks and benefits of locking your interest rate in today or floating your loan rate, contact your mortgage professional to discuss it with them."
-
Schedule Call: https://tr.ee/2-cXVxIsZz
Contact Form: https://tr.ee/mTzlymydNi
-
Get Live Rates: https://tr.ee/TaG7d7weZd
-
Get A Quote: https://tr.ee/nXLtrTsedO
Apply Online: https://tr.ee/8i89YFco_N
__________
HOW RATES MOVE
"Conventional and Government (FHA and VA) lenders set their rates based on the pricing of Mortgage-Backed Securities (MBS) which are traded in real time, all day in the bond market. This means rates or loan fees (mortgage pricing) moves throughout the day, being affected by a variety of economic or political events. When MBS pricing goes up, mortgage rates or pricing generally goes down. When they fall, mortgage pricing goes up. Tracking these securities real-time is critical. For more information about the rate market, contact me directly. I'm among few mortgage professionals who have access to live trading screens during market hours."
---
ABOUT THIS REPORT AND DISCLOSURE INFORMATION
"All information furnished has been forwarded to you and is provided by thetbws group only for informational purposes. Forecasting shall be considered as events which may be expected but not guaranteed. Neither the forwarding party and/or company nor thetbwsgroup assume any responsibility to any person who relies on information or forecasting contained in this report and disclaims all liability in respect to decisions or actions, or lack thereof based on any or all of the contents of this report."
__________
Todd Gydesen, Mortgage Broker
NMLS # 89835 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access:
https://tr.ee/UydDontzlj
---
Vantage Mortgage Brokers
NMLS # 35986 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access:
https://tr.ee/UydDontzlj
__________

By Todd Gydesen, Mortgage Broker | 5/15/26Ana, a married mother of two working in Vancouver, Washington, sat at her kitc...
05/27/2026

By Todd Gydesen, Mortgage Broker | 5/15/26

Ana, a married mother of two working in Vancouver, Washington, sat at her kitchen table in early 2026, reviewing a new set of loan disclosures. For years, she had been loyal to the big-brand bank where she’s kept her savings since college. But as she looked at the "lock-in" effect that had kept her in her starter home since 2023, she realized the market had finally thawed. The three-bedroom home in Salmon Creek she had been eyeing was finally within reach, but her bank's "loyalty" rates weren't helping her close the gap. It wasn't until a friend suggested she call an independent mortgage broker that she realized she had been looking at only one small slice of the market.

THE "TRUE" BROKERAGE PHILOSOPHY

In the 2026 lending environment, a mortgage banker remains a "captive" employee. They work for a specific institution—be it a massive retail bank or a local credit union—and can only offer the products that bank has on its "menu." If the bank’s rates are high that week, the banker’s job is still to sell them to you.

A mortgage broker, by contrast, acts as an independent "Transparent Educator." They serve as a consumer advocate, using their independence to force wholesale lenders to compete for your business. Because they aren't tied to a single institution’s high overhead, they provide access to wholesale pricing, which often translates to lower interest rates and reduced fees for the borrower.

"Brokers have the tools to combat the remaining affordability challenges of 2026. They are helping buyers understand realistic pathways to ownership and helping them feel confident about making a long-term decision in a recovering market," notes Kimberly Adams, a mortgage executive and advocate for borrower education.

COMPETITION AND CONSUMER CONFIDENCE: THE 2026 OUTLOOK

The most significant advantage of the broker model in 2026 is the ability to conduct a real-time market comparison. While a banker checks their own desk, a broker uses sophisticated pricing engines to compare many more wholesale lenders simultaneously. This is especially vital in 2026, as "refinance boomlets" occur whenever the market dips.

BY THE NUMBERS: 2023-2026 TRENDS

- Mortgage Rate Range: Stabilizing between 6.0% and 6.4%, with potential dips to 5.75%.

- Market Volume: Single-family mortgage originations forecasted to hit $2.2 trillion, an 8% increase from 2025.

- Inventory Growth: Existing-home sales expected to rise by 14% as the "lock-in" effect thaws.

- Non-Bank Dominance: Brokers and non-bank lenders continue to originate over 53% of all home loans.

"The 2026 outlook points toward a return to more typical market conditions... with improvements in both affordability and availability of homes for sale," says Selma Hepp, Chief Economist at CoreLogic.

OPERATIONAL DIFFERENCES: WHO REPRESENTS YOU?

- Loyalty: A banker’s primary loyalty is to their employer bank. A broker’s loyalty is to the borrower, representing you to the wider market.

- Underwriting Control: While bankers have "in-house" underwriting, this can lead to rigid, "black-and-white" decision-making. In a 2026 market with more diverse buyer profiles, brokers can choose lenders with "underwriting overlays" that better fit a borrower's unique financial situation.

"A mortgage broker is like a personal shopper for your mortgage," says a recent analysis by The Genesis Group. "It’s not just about finding a rate—it’s about choosing the right lender and ensuring you don't get stuck with a deal that doesn't fit your life."

PRACTICAL NEXT STEPS

- Compare at Least Three: Even if you love your current bank, ask a broker to run a comparison. In 2026, "shopping around" is the most effective way to capture a lower monthly payment.

- Ask About "Wholesale": Specifically ask your loan provider if they have access to wholesale channels or if they are limited to retail products.

- Look for Transparency: A good partner will show you all variables, including how "rate credits" can offset your closing costs.

CONCLUSION: THE AI PERSPECTIVE

As we navigate the complexities of the 2026 housing market, the traditional "bank-first" mentality is being replaced by a more data-driven, competitive approach. Artificial Intelligence and digital pricing engines have empowered brokers to provide a level of transparency that was previously impossible. In an era where "Competition = Confidence," the winner is the borrower who refuses to settle for a single menu. By leveraging an independent middleman, you remove the "special interests" of a single bank and ensure that the global financial market is working for you, rather than the other way around.

SOURCES

Morgan Stanley – 2026 Mortgage Rate Outlook Forecasts a potential decline in the 30-year fixed mortgage rate to roughly 5.50%–5.75% by mid-2026. Read the Morgan Stanley Insights

Mortgage Bankers Association (MBA) – 2026 Origination Forecast Projects total single-family mortgage origination volume to reach $2.2 trillion in 2026, an 8% increase from 2025. View the MBA Press Release

National Association of Realtors (NAR) – 2026 Housing Outlook Chief Economist Lawrence Yun predicts a 14% increase in existing-home sales for 2026 as market stability improves and the "lock-in" effect thaws. Explore the NAR 2026 Forecast

CoreLogic (Cotality) – Regional Market Trends Chief Economist Selma Hepp highlights that 2026 will be defined by "regional differences," with inventory levels and mortgage trends playing pivotal roles in localized affordability. Read the CoreLogic/Cotality Insights

Baker Tilly – Mortgage Industry Evolution Provides critical context on the shift toward non-bank lenders and the changing regulatory landscape for independent mortgage banks heading into 2026. Key Insights for the Mortgage Industry

Todd Gydesen, Mortgage Broker
NMLS # 89835 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access: https://tr.ee/UydDontzlj
_________________

Schedule Call: https://tr.ee/2-cXVxIsZz
Contact Form: https://tr.ee/mTzlymydNi
Get Live Rates: https://tr.ee/TaG7d7weZd

_________________

Vantage Mortgage Group
NMLS # 35986 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access: https://tr.ee/zOpKXyFUbL

Struggling to find a trusted mortgage broker? Todd Gydesen at Vantage Mortgage delivers 5-star service!As an Oregon nati...
05/26/2026

Struggling to find a trusted mortgage broker? Todd Gydesen at Vantage Mortgage delivers 5-star service!

As an Oregon native, Todd knows the local market. His personalized approach saves you time and money.

Clients rave about his expertise in Google reviews. He makes home loans simple and stress-free.

With consistent Five Star Professional awards, trust is guaranteed. Your dream home is within reach!

DM or call Todd today (503-312-4686) for a free consultation!

Read all Google Reviews: https://lnkd.in/g9XEKDrp

Todd Gydesen, Mortgage Broker
NMLS # 89835 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access:
https://tr.ee/UydDontzlj

Vantage Mortgage Brokers
NMLS # 35986 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access:
https://tr.ee/zOpKXyFUbL

THE FLOAT-DOWN OPTION-Lock-in PeriodWhen securing a mortgage, you typically "freeze" your interest rate for a set window...
05/20/2026

THE FLOAT-DOWN OPTION
-
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 Options
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.
__________
WEEKLY RATE SNAPSHOT
Updated Tuesdays
https://tr.ee/PyxU6Vb3_p
__________
DAILY RATE INSIDER
Trending, Forecast, Volatility
-
Read Report | rate-mastery.com
https://rate-mastery.com/loofficer/socialshare.aspx?v=W1Sa7/672kymEXB1NX9/8g==_25129__639148606897299066
__________
BOTTOM LINE
If you are looking for the risks and benefits of locking your interest rate in today or floating your loan rate, contact your mortgage professional to discuss it with them."
-
Schedule Call: https://tr.ee/2-cXVxIsZz
Contact Form: https://tr.ee/mTzlymydNi
-
Get Live Rates: https://tr.ee/TaG7d7weZd
-
Get A Quote: https://tr.ee/nXLtrTsedO
Apply Online: https://tr.ee/8i89YFco_N
__________
HOW RATES MOVE
"Conventional and Government (FHA and VA) lenders set their rates based on the pricing of Mortgage-Backed Securities (MBS) which are traded in real time, all day in the bond market. This means rates or loan fees (mortgage pricing) moves throughout the day, being affected by a variety of economic or political events. When MBS pricing goes up, mortgage rates or pricing generally goes down. When they fall, mortgage pricing goes up. Tracking these securities real-time is critical. For more information about the rate market, contact me directly. I'm among few mortgage professionals who have access to live trading screens during market hours."
-
ABOUT THIS REPORT AND DISCLOSURE INFORMATION
"All information furnished has been forwarded to you and is provided by thetbws group only for informational purposes. Forecasting shall be considered as events which may be expected but not guaranteed. Neither the forwarding party and/or company nor thetbwsgroup assume any responsibility to any person who relies on information or forecasting contained in this report and disclaims all liability in respect to decisions or actions, or lack thereof based on any or all of the contents of this report."
__________
Todd Gydesen, Mortgage Broker
NMLS # 89835 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access:
https://tr.ee/UydDontzlj
-
Vantage Mortgage Brokers
NMLS # 35986 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access:
https://tr.ee/UydDontzlj
__________

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

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