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‍GH Mortgage University

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First-Time Buyers
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Homebuyers
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Home Is Where the Heart Is More than Ever This Year
Mortgage Rates Today
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Nov 30, 2021

We’ve lived through a time that has truly changed our needs and who we are, and as a result, homeownership has a whole new meaning for many of us.

Airs live on YouTube
November 30, 2021

We’ve lived through a time that has truly changed our needs and who we are, and as a result, homeownership has a whole new meaning for many of us.

November 30, 2021

A picture from GH Mortgage University course
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Homebuyers
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First-Time Buyers
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Budgeting 101: How to Take Control of Your Personal Finances
Mortgage Rates Today
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Aug 9, 2021

Determining a budget that best suits your needs and objectives isn’t always so straightforward, but keeping this information in mind can help you form a financial plan of action that can lead you to your future home.

Airs live on YouTube
August 9, 2021

Determining a budget that best suits your needs and objectives isn’t always so straightforward, but keeping this information in mind can help you form a financial plan of action that can lead you to your future home.

August 9, 2021

A picture from GH Mortgage University course
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Homebuyers
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First-Time Buyers
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How to Use the Debt Snowball Method to Get Out of Debt
Mortgage Rates Today
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Aug 9, 2021

If you have multiple debts that you find yourself struggling to pay off, the debt snowball method can help you achieve your financial goals and bring you one step closer to your dream home. 

Airs live on YouTube
August 9, 2021

If you have multiple debts that you find yourself struggling to pay off, the debt snowball method can help you achieve your financial goals and bring you one step closer to your dream home. 

August 9, 2021

A picture from GH Mortgage University course
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First-Time Buyers
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Homebuyers
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Using Your 401k & IRA Toward A Down Payment
Mortgage Rates Today
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Aug 6, 2021

Bill & Minh discuss a VERY pressing topic: the end of the foreclosure moratorium! Will more houses be on the market soon?

Airs live on YouTube
August 6, 2021

Bill & Minh discuss a VERY pressing topic: the end of the foreclosure moratorium! Will more houses be on the market soon?

August 6, 2021

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Youth
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Just in Time for Foster Youth - "My First Home" Program
Mortgage Rates Today
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Mar 2, 2020

Help support Just in Time for Foster Youth by donating new and gently-used furniture and household goods to their "My First Home" program.

Airs live on YouTube
March 2, 2020

Help support Just in Time for Foster Youth by donating new and gently-used furniture and household goods to their "My First Home" program.

March 2, 2020

Featured Resources

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Expert Forecasts Point to Affordability Improving in 2026

Wondering what to expect from the housing market in 2026? You’re not the only one.

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Thinking about Selling Your House As-Is? Read This First.

While selling as-is can still make sense in certain situations, in some markets today, it may cost you.

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Why Pre-Approval Should Be Your First Step – Not an Afterthought

Finding the right home feels exciting – but being pre-approved for your loan is what makes it possible.

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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