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‍GH Mortgage University

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Market
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Interest Rates
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Watch The Video:
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Why Buyers Feel Stuck Even When Rates Are Flat
Mortgage Rates Today
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Jul 25, 2025

Mortgage market recap for July 25, 2025

Airs live on YouTube
July 25, 2025

Mortgage market recap for July 25, 2025

July 25, 2025

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Sellers
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Homebuyers
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Housing Market Forecasts for the Rest of 2025
Mortgage Rates Today
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Jul 24, 2025

If you’ve been watching the market, you’ve likely noticed a few changes already this year.

Airs live on YouTube
July 24, 2025

If you’ve been watching the market, you’ve likely noticed a few changes already this year.

July 24, 2025

A picture from GH Mortgage University course
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Homebuyers
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Sellers
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Coming Soon:
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The U.S. Foreclosure Map You Need To See
Mortgage Rates Today
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Jul 23, 2025

Foreclosure headlines are making noise again – and they’re designed to stir up fear to get you to read them.

Airs live on YouTube
July 23, 2025

Foreclosure headlines are making noise again – and they’re designed to stir up fear to get you to read them.

July 23, 2025

A picture from GH Mortgage University course
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Sellers
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Interest Rates
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Watch The Video:
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The Latest Mortgage Rate Forecasts
Mortgage Rates Today
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Jul 22, 2025

If you’re tempted to delay your move in hope that mortgage rates will come down, you may want to rethink that strategy based on the latest forecast.

Airs live on YouTube
July 22, 2025

If you’re tempted to delay your move in hope that mortgage rates will come down, you may want to rethink that strategy based on the latest forecast.

July 22, 2025

A picture from GH Mortgage University course
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Sellers
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Watch The Video:
Coming Soon:
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Don’t Make These Mistakes When Selling Your House
Mortgage Rates Today
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Jul 21, 2025

Are you thinking about selling your house? Some common mistakes today can make the process more stressful or even cost you money.

Airs live on YouTube
July 21, 2025

Are you thinking about selling your house? Some common mistakes today can make the process more stressful or even cost you money.

July 21, 2025

A picture from GH Mortgage University course
•
Market
•
Interest Rates
•
Watch The Video:
Coming Soon:
Read More:
What's the "Magic" Mortgage Rate?
Mortgage Rates Today
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Jul 18, 2025

Mortgage market recap for July 18, 2025

Airs live on YouTube
July 18, 2025

Mortgage market recap for July 18, 2025

July 18, 2025

Featured Resources

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Finally! Mortgage Rates Are Moving Again

Mortgage market recap for December 19, 2025

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Is January the Best Time To Buy a Home?

You may not want to put your homebuying plans into hibernation mode this winter.

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Is Buyer Demand Picking Back Up? What Sellers Should Know.

The housing market hasn’t felt this energized in a long time – and the numbers backing that up are hard to ignore.

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

3636 Nobel Drive, Suite 130
San Diego, CA 92122

(858) 259-8700

Las Vegas, NV

Branch NMLS 1628467

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

(702) 757-8131
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GH Mortgage UniversityFirst-Time BuyersRefinancingActive-Duty/VeteransMedia Collaboration

© 2025 Gaylord-Hansen Team. All Rights Reserved.

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

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.
TX - SML Mortgage Banker Registration. SML Residential Mortgage Loan Servicer Registration 3029. Texas Rights.
UT - Licensed as a DRE Mortgage Entity No. 8071063. UT-DFI Residential First Mortgage Notification.
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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