🏑 Current offer: Lender-paid 1% rate reduction in Year 1 on purchase loans  Β·  Ask Todd how it works β†’

Executive Loan Officer Β· Rocket Mortgage Β· NMLS #2003696

Hi, I'm Todd Davidson.
Let's get you home.

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.

Todd Davidson, Executive Loan Officer at Rocket Mortgage
88
Oregon City Guides
Published
94
Washington City Guides
Published
~100K
Facebook Followers
Considering NW Move
750+
Relocation Blog
Articles
#2003696
NMLS License
Oregon & Washington

A Mortgage Expert Who Actually Knows the Market

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.

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Deep Local Knowledge

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.

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Cross-Border Relocation Expertise

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.

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One Point of Contact

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.

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Rocket Mortgage Backing

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.

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Relocation Specialist

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.

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Honest, No-Pressure Approach

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.

The Person Behind the Loan

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.

πŸ“ž Get in Touch

Phone
971-275-2465
Office Address
25030 SW Parkway Ave #230
Wilsonville, OR 97070
🏑 Year 1 Rate Reduction

I currently offer a lender-paid 1% interest rate reduction for your first year on purchase loans. For a buyer financing $450,000, that's roughly $250–$300 in savings every month in Year 1 β€” real money during the most expensive phase of a move.

Ask Me How It Works β†’

πŸ“… Schedule a Free Strategy Call

15 minutes. No pressure. We'll talk through your timeline, budget, and which cities make sense for your situation.

Book a 15-Minute Relocation Call β†’

Available evenings & weekends Β· Oregon & Washington Β· NMLS #2003696

🏑 Current Offer: Year 1 Rate Reduction

Lender-paid 1% rate reduction in Year 1 on purchase loans. Ask me how it works and whether it makes sense for your situation.

Ask Todd β†’

Loan Types I Work With Every Day

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.

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30-Year Fixed Conventional

The most popular loan in America. Your rate and payment are locked for 30 years β€” no surprises.

Best ForBuyers who want predictability and the lowest monthly payment, especially first-time buyers.
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15-Year Fixed Conventional

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.

Best ForRefinancers or buyers who want to build equity fast and pay less interest overall.
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Adjustable-Rate Mortgage (ARM)

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.

Best ForBuyers who won't keep the mortgage long-term, or who expect to refinance before the adjustment period hits.
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FHA Loan

Government-backed loan with down payments as low as 3.5% and credit score flexibility down to 500. Includes mortgage insurance.

Best ForBuyers with lower credit scores or limited down payment savings.
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VA Loan

Zero down payment, no mortgage insurance, competitive rates. Available to active military and veterans. Also available in jumbo amounts.

Best ForMilitary-qualified borrowers β€” one of the best loan products available, period.
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Jumbo Loan

For loan amounts above conventional limits. Requires stronger credit (700+) and typically 10–20% down. Fixed or adjustable options.

Best ForBuyers of higher-priced homes in markets like Lake Oswego, West Linn, or Bend.
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Bridge Loan

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.

Best ForMove-up buyers and relocators whose down payment is tied up in their current home.
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Home Equity Loan

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.

Best ForHomeowners who want cash without refinancing their current low-rate first mortgage.

Mortgage FAQs

The mortgage process can feel overwhelming, especially when you're also navigating a relocation. Here are the questions I hear most often.

How do I get pre-approved?

I start with a 20–30 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.

How fast can the process move?

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.

How much do I need for a down payment?

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.

How much home can I afford?

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.

What documents do I need?
  • Last 2 years W-2s
  • Last 2 months pay stubs
  • Last 2 months bank statements (all pages)
  • Last 2 years tax returns (if self-employed or a landlord)
  • Most recent retirement account statement (if using for assets)
  • Copy of driver's license
  • Current mortgage statement(s) for any properties you own
What are closing costs?

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.

What is a rate lock and when should I lock?

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.

What does my monthly payment actually include?
  • Principal β€” paying down your loan balance
  • Interest β€” the cost of borrowing
  • Property taxes β€” collected monthly into escrow
  • Homeowners insurance β€” collected monthly into escrow
  • PMI β€” private mortgage insurance if your down payment was under 20% (removable once you hit 20% equity)

Ready to Talk?

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.

πŸ“ž 971-275-2465  Β·  βœ‰οΈ todddavidson@rocketmortgage.com