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‍GH Mortgage University

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First-Time Buyers
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Homebuyers
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What Buyers Need To Know About Homeowners Association Fees

Before buying a home in an HOA community, it’s a good idea to review the rules and fees so you know exactly what’s included, how that fits into your overall budget, and what restrictions may apply.

Airs live on YouTube
May 20, 2025

Before buying a home in an HOA community, it’s a good idea to review the rules and fees so you know exactly what’s included, how that fits into your overall budget, and what restrictions may apply.

May 20, 2025

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Homeowners
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You Could Use Some of Your Equity To Give Your Children the Gift of Home

If you have a 3% mortgage rate, you’re probably pretty hesitant to let that go.

Airs live on YouTube
May 19, 2025

If you have a 3% mortgage rate, you’re probably pretty hesitant to let that go.

May 19, 2025

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Homeowners
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Housing Market Forecasts for the Second Half of 2025

Are you wondering what to expect if you buy or sell a home in the second half of the year?

Airs live on YouTube
May 16, 2025

Are you wondering what to expect if you buy or sell a home in the second half of the year?

May 16, 2025

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Sellers
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Why Would I Move with a 3% Mortgage Rate?

If you have a 3% mortgage rate, you’re probably pretty hesitant to let that go.

Airs live on YouTube
May 15, 2025

If you have a 3% mortgage rate, you’re probably pretty hesitant to let that go.

May 15, 2025

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First-Time Buyers
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Homebuyers
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Don’t Let Student Loans Hold You Back from Homeownership

Having student loans doesn’t mean buying a home is off the table.

Airs live on YouTube
May 14, 2025

Having student loans doesn’t mean buying a home is off the table.

May 14, 2025

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Homebuyers
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Why Buyers Are More Likely To Get Concessions Right Now

Whether you’re looking at a newly built home or something a little older, there’s a good chance you can benefit from concessions or incentives.

Airs live on YouTube
May 13, 2025

Whether you’re looking at a newly built home or something a little older, there’s a good chance you can benefit from concessions or incentives.

May 13, 2025

Featured Resources

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Pre-Approval vs. Underwritten Pre-Approval

A fully underwritten pre-approval is one of the strongest and most comprehensive ways a homebuyer can prepare an offer

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Navigating Today's Tricky Real Estate Market

Homebuying tips and tricks

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Dos & Don'ts of Mortgage

Tips, tricks & warnings that will help you navigate today’s market to find the home of your dreams

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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