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.

09/09/2026

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, Mortgage Broker
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.
-

09/01/2026

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, Mortgage Broker
NMLS # 89835 | OR WA ID
Equal Housing Opportunity
-
Vantage Mortgage Brokers
NMLS # 35986 | OR WA ID
Equal Housing Opportunity
-

08/26/2026

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.
-
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.
-
Todd Gydesen, Mortgage Broker
NMLS # 89835 | OR WA ID
503-312-4686
-
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.
-

08/25/2026

Struggling with high mortgage rates?

A "float-down policy" acts as a free safety net when you lock in your rate.

If market rates drop before you close, your lender lowers your rate to match.

I always recommend this strategy so you get the best rate possible without the stress.

Drop a comment below if you want my top questions to ask your lender about float-downs!

Todd Gydesen, Mortgage Broker
NMLS # 89835 | OR WA ID
503-312-4686
-
Vantage Mortgage Brokers
NMLS # 35986 | OR WA ID
Equal Housing Opportunity
-

08/20/2026

Struggling with high mortgage rates?

A "float-down policy" acts as a free safety net when you lock in your rate.

If market rates drop before you close, your lender lowers your rate to match.

I always recommend this strategy so you get the best rate possible without the stress.

Drop a comment below if you want my top questions to ask your lender about float-downs!

Todd Gydesen, Mortgage Broker
NMLS # 89835 | OR WA ID
503-312-4686
-
Vantage Mortgage Brokers
NMLS # 35986 | OR WA ID
Equal Housing Opportunity
-

08/19/2026

WHAAT 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, Mortgage Broker
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.
-

08/17/2026

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.
-
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
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.
-

08/12/2026

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 for a free consultation!

Read all Google Reviews:

Todd Gydesen, Mortgage Broker
NMLS # 89835 | OR WA ID
503-312-4686

Vantage Mortgage Brokers
NMLS # 35986 | OR WA ID
Equal Housing Opportunity
NMLS Consumer Access

08/11/2026

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.
-
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
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.
-

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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