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‍GH Mortgage University

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Homebuyers
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First-Time Buyers
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Why Pre-Approval Is an Important Step for Today’s Homebuyers
Mortgage Rates Today
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Apr 19, 2022

Being intentional and competitive are musts when buying a home which is why pre-approval is so important today.

Airs live on YouTube
April 19, 2022

Being intentional and competitive are musts when buying a home which is why pre-approval is so important today.

April 19, 2022

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Homebuyers
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Sellers
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Is It Time To Buy a Smaller Home?
Mortgage Rates Today
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Apr 18, 2022

If you’re looking for ways to focus more on the important things in your life, the answer could be downsizing.

Airs live on YouTube
April 18, 2022

If you’re looking for ways to focus more on the important things in your life, the answer could be downsizing.

April 18, 2022

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First-Time Buyers
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Homebuyers
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Credit
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The True Cost of Bad Credit
Mortgage Rates Today
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Apr 15, 2022

How to navigate the game of credit, and how to mitigate the true cost of bad credit

Airs live on YouTube
April 15, 2022

How to navigate the game of credit, and how to mitigate the true cost of bad credit

April 15, 2022

A picture from GH Mortgage University course
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Homebuyers
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Sellers
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On the Fence of Whether or Not To Move This Spring? Consider This.
Mortgage Rates Today
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Apr 14, 2022

If you’re ready to move, you have an incredible opportunity in front of you today.

Airs live on YouTube
April 14, 2022

If you’re ready to move, you have an incredible opportunity in front of you today.

April 14, 2022

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Homebuyers
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Market
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Interest Rates
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Where Are Mortgage Rates Headed?
Mortgage Rates Today
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Apr 13, 2022

Forecasting mortgage rates is an impossible task. However, it’s probably safe to assume the days of attaining a 3% mortgage rate are over.

Airs live on YouTube
April 13, 2022

Forecasting mortgage rates is an impossible task. However, it’s probably safe to assume the days of attaining a 3% mortgage rate are over.

April 13, 2022

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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Why a Real Estate Professional Is Key When Selling Your House
Mortgage Rates Today
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Apr 12, 2022

With today’s real estate market moving as fast as it is, working with a real estate professional is more essential than ever.

Airs live on YouTube
April 12, 2022

With today’s real estate market moving as fast as it is, working with a real estate professional is more essential than ever.

April 12, 2022

Featured Resources

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Your House Hasn’t Sold Yet. Should You Rent It Out Instead?

When your house sits on the market longer than expected, it can get frustrating fast.

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Mortgage Rates Are Shifting. Focus on What Matters.

Mortgage market recap for April 3, 2026

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Before You Fall in Love with a House, Do This First.

Be honest. Have you started looking at homes online yet? If you have, it’s already time to get pre-approved.

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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