Executive Loan Officer · Rocket Mortgage · NMLS #2003696
Helping families and relocators buy homes across Washington State. Straightforward advice, fast pre-approvals, and personal service from start to close.
Relocating to Washington is a big decision. I work with buyers moving from California, Oregon, Texas, and all over the country — people who need a mortgage partner who understands the local market and can close fast. Here's what sets me apart:
Get your documents to me and I can typically have a pre-approval letter the same day. In a competitive market, speed matters.
From Seattle Metro to Spokane, Vancouver to Bellingham — I know the pricing dynamics, school districts, and neighborhoods that matter to relocating buyers.
I explain everything in plain English. No upselling, no confusing you with options you don't need. Just the right loan for your situation.
Conventional, FHA, VA, USDA, jumbo, and ONE+ down payment assistance — I have access to every loan product you might need.
Call or text me directly. I'm not a call center — you get me, start to finish, and I answer evenings and weekends when deals happen.
My partner Elizabeth Davidson is a top-2% Portland Metro agent at Cascade Hasson Sotheby's. I can connect you with strong agents throughout the Pacific Northwest.
I'm Todd Davidson — an Executive Loan Officer at Rocket Mortgage based in Wilsonville, Oregon, serving buyers throughout Oregon and Washington State. I've spent more than a decade helping people navigate one of the biggest financial decisions of their lives, and I genuinely love the work.
My specialty is relocation. Most of my clients are moving from out of state — from California, Texas, Arizona, and across the country — and they're doing it without a local network to lean on. I fill that gap. I know Washington well: the neighborhoods, the commute tradeoffs, the school districts, what homes are actually selling for versus asking price. I help buyers go from curious to closed with as little friction as possible.
Outside of lending, I run a Facebook group of over 70,000 people moving to or living in the Pacific Northwest. It keeps me connected to what real people are asking, worrying about, and excited by when they consider a move to Washington or Oregon. That perspective makes me a better loan officer.
My partner in real estate is Elizabeth Davidson, a top-2% Portland Metro agent at Cascade Hasson Sotheby's International Realty. Together we give clients a full picture — mortgage and real estate — without conflicts of interest.
Getting a mortgage doesn't have to be complicated. Here's what working with me looks like from your first question to your closing day.
We talk through your goals, timeline, income, and down payment. I'll give you a ballpark on what you can qualify for and what your payment might look like — no credit check needed for this step.
You fill out a short online application and send a few documents. I review everything and typically issue a pre-approval letter the same day. This is what realtors and sellers need to take your offer seriously.
Shop with your pre-approval in hand. I'm available to run payment scenarios on any property you're considering, so you know your exact numbers before making an offer.
Once your offer is accepted, we lock your rate and I kick off the underwriting process. I'll tell you exactly what documents are needed and stay in close communication throughout.
We typically close in 15–21 days once you're under contract. I'll prepare you for exactly what to expect at signing, so there are no surprises on closing day.
Through Rocket Mortgage, I have access to the full range of loan products — from first-time buyer programs to jumbo financing for higher-priced Washington markets.
3–20% down. Best rates for buyers with strong credit. Works for most Washington home purchases.
3.5% down. More flexible credit requirements. Popular for first-time buyers in Tacoma, Yakima, and Spokane.
0% down for eligible veterans and active duty. Washington has a large military population — I do a lot of these.
0% down for rural and some suburban areas. More of Washington qualifies than most buyers realize.
For purchases above conforming loan limits in high-cost markets like Seattle Metro, Bellevue, and Kirkland.
1% down with lender-paid 2% — making 3% down without a second mortgage. Income limits apply by county.
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 20–30 minute intro call — 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% — 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 — 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 — 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 — and where I work hard to keep costs competitive. Watch out for online lenders advertising very low rates — they're usually charging discount points to buy that rate down.
No — Washington State has no personal income tax, which is a significant financial benefit for most buyers. It's one of the reasons so many people relocate here from California and Oregon. This effectively increases your take-home pay and can meaningfully improve what you can afford in terms of monthly mortgage payment.
Whether you're 6 months out from a move or ready to make an offer this week — a quick conversation costs nothing and can save you thousands. I'll give you straight answers, no pressure.