Executive Loan Officer Β· Rocket Mortgage Β· NMLS #2003696
Every week I help people move to Oregon and Washington from Florida, California, Texas, New York, Colorado, and everywhere in between. I've built the region's most comprehensive city guides and manage a combined Facebook community of nearly 100,000 people considering or actively planning a move to the Pacific Northwest β so when you work with me, you're getting a mortgage specialist who genuinely understands the market you're moving into.
Most loan officers know mortgages. I know mortgages and the Pacific Northwest relocation market inside and out β because I've spent years building the region's most comprehensive city guides and talking directly with thousands of people in the process of moving here.
I've personally researched every city in Oregon and Washington β neighborhoods, commutes, schools, employers, home prices, and cost of living. When you're relocating, that context matters as much as your rate.
Out-of-state income, overlapping housing costs, temporary rentals, and closing timelines that span two states β I've navigated all of it. Relocation financing has layers a standard purchase doesn't, and I know how to handle them.
You work directly with me from first call to closing β not a call center. I answer my own phone, respond to my own emails, and personally shepherd every loan through the process.
As an Executive Loan Officer at Rocket Mortgage β the nation's largest mortgage lender β I have access to competitive rates, a wide product lineup, and the technology to close loans fast and smoothly.
Relocating is different from a standard purchase. Longer timelines, out-of-state income, and unfamiliar markets create unique challenges I've navigated hundreds of times.
My career is built on honesty and communication. I'll tell you what makes sense for your situation β even if that means recommending you wait, save more, or explore a different loan type.
My career is built on four values: honesty, great service, excellent communication, and hard work. Those aren't just words β they're the reason clients come back and refer their friends and family.
I help people relocate to Oregon and Washington from every state in the country β Florida, California, Texas, New York, Colorado, and everywhere in between. The questions are almost always the same: What does my money buy here? How do I time the sale of my current home? What neighborhoods actually fit my lifestyle? How do I handle overlapping housing costs? I've answered those questions hundreds of times, and the combination of deep local market knowledge and hands-on mortgage expertise means I can give you real answers β not generic talking points.
I got into relocation content because I kept seeing people move to Oregon and Washington without a real sense of what each city actually offered β the commutes, the culture, the housing market, the schools, the job base. So I built the resources I wished had existed. Today I run two of the Pacific Northwest's most comprehensive relocation websites β livinginoregon.net and livinginwashington.net β covering 182 cities in depth, with 750+ blog posts and a combined Facebook community of nearly 100,000 people considering or planning a move to the Pacific Northwest.
That community gives me a direct line to what buyers are actually worried about and what questions come up again and again. When you work with me, you're getting someone who has done the homework on where you're moving β and can have a real conversation about what that market looks like before you ever fill out an application.
I pride myself on being available when you need me β evenings and weekends included. I'm licensed in both Oregon and Washington, work out of Wilsonville, OR, and would be glad to talk through your situation at no obligation.
Every buyer's situation is different. Here's a quick overview of the most common loan types β I'll help you figure out which one fits your goals, timeline, and finances.
The most popular loan in America. Your rate and payment are locked for 30 years β no surprises.
Lower interest rate than the 30-year, paid off in half the time. Higher monthly payment but dramatically less interest over the life of the loan.
A fixed rate for an initial period (e.g. 5 or 7 years), then adjusts annually. Initial rate is typically lower than a 30-year fixed.
Government-backed loan with down payments as low as 3.5% and credit score flexibility down to 500. Includes mortgage insurance.
Zero down payment, no mortgage insurance, competitive rates. Available to active military and veterans. Also available in jumbo amounts.
For loan amounts above conventional limits. Requires stronger credit (700+) and typically 10β20% down. Fixed or adjustable options.
Access equity in your current home to buy your next one before selling. Borrow up to $500K. Approved in ~3 days. No appraisal under $400K. Bundle with your new mortgage for one application and one credit pull.
Access your equity as a lump sum while keeping your existing mortgage in place. Up to 90% CLTV with 740+ credit. Fixed rate, full-doc underwriting.
The mortgage process can feel overwhelming, especially when you're also navigating a relocation. Here are the questions I hear most often.
I start with a 20β30 minute intro call β mostly to understand your goals and give you a chance to ask questions. I'll ask about your timeline, income, monthly debts, down payment, and target payment. After that I can put together a quick quote, and once you fill out an application and send a few documents, I can typically get you pre-approved the same day.
As fast as you need. If you find a home and need to make an offer today, get me your documents and I can have a pre-approval letter within hours. Once you have an accepted offer, I can typically close within 15 days if needed.
My general recommendation is at least 10% β 20% is ideal because it eliminates mortgage insurance. That said, I do VA and USDA loans at 0% down, conventional loans for first-time buyers at 3%, and FHA loans at 3.5%. The right answer depends on your situation β let's talk through it.
In most cases I can approve you with total monthly debt payments (mortgage + car + student loans + cards) at about 48% of gross income. But what you can get approved for and what you're comfortable paying are often different numbers. I'll help you figure out both and find the loan structure that makes sense for your life β not just your paperwork.
Closing costs typically include pre-paids (property taxes, insurance, prepaid interest), title company fees, and lender fees (origination, processing, underwriting). Pre-paids and title fees are roughly the same regardless of lender. Lender fees are where the differences show up β and where I work hard to keep costs competitive. Watch out for online lenders advertising very low rates β they're usually charging discount points to buy that rate down.
A rate lock guarantees your interest rate for a set period β typically 30 to 60 days. In most cases you get pre-approved, then lock your rate once you have an accepted offer. If you're worried about rates rising before you find a home, a "Lock and Shop" is also available. I'll help you decide what makes sense for your timeline.
Whether you're 6 months out from a move or ready to make an offer this week β a quick conversation costs nothing and can save you thousands. I'll give you straight answers, no pressure.
π 971-275-2465 Β· βοΈ todddavidson@rocketmortgage.com