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‍GH Mortgage University

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Homebuyers
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First-Time Buyers
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Financial Fundamentals for First-Time Homebuyers
Mortgage Rates Today
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Dec 26, 2022

Here are just a few of the financial fundamentals you’ll need to focus on as you set out to buy a home.

Airs live on YouTube
December 26, 2022

Here are just a few of the financial fundamentals you’ll need to focus on as you set out to buy a home.

December 26, 2022

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Homebuyers
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Interest Rates
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Mortgage Rates Today December 23, 2022
Mortgage Rates Today
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Dec 23, 2022

Today's mortgage rates and running the numbers on a $400K home in Las Vegas, NV 89166

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December 23, 2022

Today's mortgage rates and running the numbers on a $400K home in Las Vegas, NV 89166

December 23, 2022

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Mortgage Rates Today December 22, 2022
Mortgage Rates Today
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Dec 22, 2022

Today's mortgage rates and running the numbers on a $599K home in San Diego, CA 92116

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December 22, 2022

Today's mortgage rates and running the numbers on a $599K home in San Diego, CA 92116

December 22, 2022

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What Makes a House a Home?
Mortgage Rates Today
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Dec 22, 2022

While the financial aspects of buying a home are important, the non-financial and emotional reasons are too.

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December 22, 2022

While the financial aspects of buying a home are important, the non-financial and emotional reasons are too.

December 22, 2022

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Homebuyers
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Interest Rates
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Mortgage Rates Today December 21, 2022
Mortgage Rates Today
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Dec 21, 2022

Current mortgage rates and running the numbers a $699K home in El Cajon, CA 92020

Today's mortgage rates and running the numbers on a $699K home in El Cajon, CA 92020

Airs live on YouTube
December 21, 2022

Today's mortgage rates and running the numbers on a $699K home in El Cajon, CA 92020

December 21, 2022

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Market
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What to Expect From the Housing Market in 2023
Mortgage Rates Today
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Dec 21, 2022

The 2023 housing market is going to be defined by mortgage rates, and rates will be determined by what happens with inflation.

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December 21, 2022

The 2023 housing market is going to be defined by mortgage rates, and rates will be determined by what happens with inflation.

December 21, 2022

Featured Resources

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This’ll Change What You Think About Investors in Today’s Housing Market

There’s a lot of noise out there right now about investors in the housing market.

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Rates Are Climbing. Here’s How You Still Come Out Ahead.

Mortgage market recap for March 27, 2026

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The Best Week To List Your House Is Just Around the Corner

Getting your house on the market in mid-April may give you an extra edge, but the bigger opportunity is the Spring season as a whole.

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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