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‍GH Mortgage University

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First-Time Buyers
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Tips for Younger Homebuyers: How To Make Your Dream a Reality
Mortgage Rates Today
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May 7, 2024

If you’re a member of a younger generation, like Gen Z, you may be asking the question: will I ever be able to buy a home?

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May 7, 2024

If you’re a member of a younger generation, like Gen Z, you may be asking the question: will I ever be able to buy a home?

May 7, 2024

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Sellers
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What's Motivating Your Move?
Mortgage Rates Today
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May 6, 2024

Thinking about selling your house? As you make your decision, consider what's pushing you to think about moving.

Airs live on YouTube
May 6, 2024

Thinking about selling your house? As you make your decision, consider what's pushing you to think about moving.

May 6, 2024

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Market
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Interest Rates
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Have We Made It Over the Last Hump of the Rate Roller Coaster??🎢
Mortgage Rates Today
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May 3, 2024

Mortgage market recap for May 3, 2024

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May 3, 2024

Mortgage market recap for May 3, 2024

May 3, 2024

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First-Time Buyers
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Homebuyers
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Builders Are Building Smaller Homes [INFOGRAPHIC]
Mortgage Rates Today
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May 3, 2024

Having a hard time finding a home in your budget? Builders may have a solution that can help.

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May 3, 2024

Having a hard time finding a home in your budget? Builders may have a solution that can help.

May 3, 2024

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Interest Rates
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What Is Going on With Mortgage Rates?
Mortgage Rates Today
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May 2, 2024

Here’s a quick overview of what’s happening with mortgage rates and what experts say is ahead.

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May 2, 2024

Here’s a quick overview of what’s happening with mortgage rates and what experts say is ahead.

May 2, 2024

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First-Time Buyers
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Homebuyers
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The Perks of Buying Over Renting
Mortgage Rates Today
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May 1, 2024

While today’s mortgage rates might seem a bit intimidating, here are two solid reasons why, if you’re ready and able, it could still be a smart move to get your own place.

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May 1, 2024

While today’s mortgage rates might seem a bit intimidating, here are two solid reasons why, if you’re ready and able, it could still be a smart move to get your own place.

May 1, 2024

Featured Resources

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Thinking of Selling? You Want an Agent with These Skills

Whether you're a first-time seller or you’ve been through this before, a great listing agent is the key to your success.

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Home Prices Are Climbing in These Top Cities

Thinking about buying a home or selling your current one to find a better fit? If so, you might be wondering what's going on with home prices these days.

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How Long Can Consumers Hold Up?

Mortgage market recap for May 10, 2024

We guide homebuyers in making smart financial decisions to build their future.

The Gaylord-Hansen Team is a branch of CrossCountry Mortgage, LLC. Company NMLS 3029.(www.nmlsconsumeraccess.org)
Our branch is licensed in the following states:
AZ, CA, CO, FL, ID, MT, NV, OK, OR, TX, UT, WA

San Diego, CA

Branch NMLS 1437924

9255 Towne Centre Drive, Suite 950
San Diego, CA 92121

(858) 259-8700

Las Vegas, NV

Branch NMLS 1628467

7885 W Sunset Road, Suite 140
Las Vegas, NV 89113

Heber City, UT

Branch NMLS 2079383

37 East 100 North, Suite 101
Heber City, UT 84032

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GH Mortgage UniversityFirst-Time BuyersRefinancingActive-Duty/VeteransMedia Collaboration

© 2023 Gaylord-Hansen Team. All Rights Reserved.

Equal Housing Opportunity. CrossCountry Mortgage, LLC. Company NMLS 3029 (www.nmlsconsumeraccess.org). Branch NMLS 1437924 / 1628467 / 2079383.

All loans subject to underwriting approval. Certain restrictions apply. Call (858) 259-8700 for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the federal government. CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loans. By refinancing, the existing loan total finance charges may be higher over the life of the loan. For more licensing and disclosures, see crosscountrymortgage.com/licensing-and-disclosures.
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TESTIMONIALS
Compensation was not paid in exchange for any testimonial on this site. Individuals pictured may not be that of the endorsers and are for display purposes only.
Refinance Disclosure - Refinancing may result in higher total finance charges over the life of the loan.
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RATE ASSUMPTIONS
Rates displayed are subject to change and assume that you are buying or refinancing an owner-occupied single-family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our Mortgage Experts at (858) 259-8700 for a customized rate and payment quote.

STATE LICENSING
AZ - Main Office Licensed as a Mortgage Banker with the Arizona Department of Financial Institutions No. 0919020.
CA - Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act No. 4131098. California - DFPI Residential Mortgage Lending Act License.
CO - Mortgage Company Registration – Regulated by the Division of Real Estate - www.dora.state.co.us/real-estate.
FL - Mortgage Lender Servicer License No. MLD806.
ID - Licensed as a Mortgage Broker/Lender No. MBL-7779. Regulated Lender License RRL-10257.
MT - Mortgage Lender/Broker/Servicer License No. 3029.
NV - NV Mortgage Company License 3259. Supplemental Mortgage Servicer License No. 4352.
OK - Mortgage Broker License No. MB001744. Mortgage Lender License No. ML010107
OR - Lender License No. ML-4709. Servicer License MS-134.
UT - Licensed as a DRE Mortgage Entity No. 8071063. UT-DFI Residential First Mortgage Notification.
TX - SML Mortgage Banker Registration. SML Residential Mortgage Loan Servicer Registration 3029. Texas Rights.
WA - Licensed by the Department of Financial Institutions under the Consumer Loan Act No. CL-3029.

TEXAS RIGHTS
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 N. Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.
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