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‍GH Mortgage University

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Homebuyers
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First-Time Buyers
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Affordability Has Improved in All 50 States
Mortgage Rates Today
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Mar 19, 2026

For the past few years, affordability has been what’s stopped a lot of buyers in their tracks.

Airs live on YouTube
March 19, 2026

For the past few years, affordability has been what’s stopped a lot of buyers in their tracks.

March 19, 2026

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First-Time Buyers
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Homebuyers
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3 Must-Do’s for First-Time Home Buyers
Mortgage Rates Today
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Mar 18, 2026

Buying your first home is exciting, but it can also be a little nerve-wrecking because it’s something you’ve never done before.

Airs live on YouTube
March 18, 2026

Buying your first home is exciting, but it can also be a little nerve-wrecking because it’s something you’ve never done before.

March 18, 2026

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Sellers
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The #1 Reason Buyers Walk Away (And How To Get Ahead of It)
Mortgage Rates Today
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Mar 16, 2026

You may have seen headlines on social saying the number of buyers backing out of their contracts is on the rise – and has recently reached a high not seen since 2017.

Airs live on YouTube
March 16, 2026

You may have seen headlines on social saying the number of buyers backing out of their contracts is on the rise – and has recently reached a high not seen since 2017.

March 16, 2026

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Market
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Interest Rates
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Rates Just Made a Big Move
Mortgage Rates Today
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Mar 13, 2026

Mortgage market recap for March 13, 2026

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March 13, 2026

Mortgage market recap for March 13, 2026

March 13, 2026

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Homebuyers
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Sellers
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One Key Sign We’re Not Headed for a Wave of Foreclosures
Mortgage Rates Today
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Mar 12, 2026

Foreclosures are ticking up. And that may make your mind jump straight to thoughts of 2008.

Airs live on YouTube
March 12, 2026

Foreclosures are ticking up. And that may make your mind jump straight to thoughts of 2008.

March 12, 2026

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Sellers
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If Your House Isn’t Getting Offers, Read This.
Mortgage Rates Today
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Mar 11, 2026

Online searches for “can’t sell house” just hit an all-time high according to Google Trends.

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March 11, 2026

Online searches for “can’t sell house” just hit an all-time high according to Google Trends.

March 11, 2026

Featured Resources

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When Buying a Home Feels Out of Reach, Some Families Do This Instead

For a lot of people, the math on buying a home just doesn’t really work right now.

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Thinking About an Adjustable-Rate Mortgage? Here’s What You Need To Know.

If you’ve been looking for a home lately, you’ve probably felt how tough affordability still is.

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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.

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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