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About the Guide

Understand Your Credit Score

Even if your credit score isn't perfect, homeownership is still within reach. We’ll show you how to improve your credit so you can get a lower interest rate when you’re ready to buy a home.

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CrossCountry Mortgage is not a credit repair company or credit repair organization. CrossCountry Mortgage does not guarantee improvement of your credit worthiness, credit standing, or credit capacity. Any actions you take regarding your personal finances are done at your discretion. CrossCountry Mortgage does not guarantee that you will become eligible for a loan. This is not a commitment to lend or extend credit.

Did You Know?

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The financial world revolves around your 3-digit credit score number.

Explore your options as a first-time homebuyer and how to get started.

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There are several factors that are looked at to determine your score.

Compare options and find the best solution for your financial goals.

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A low credit score can translate to a higher interest rate.

Find out what kind of home you can get with your BAH or retirement pay.

Learn the Rules

Credit Is a Game!

Credit is really just a game with specific rules that determine your credit score. Once you understand “the rules,” you’ll know exactly what steps you need to take to improve your credit, based on your financial situation.

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We Make It Easier!

Discover Free Credit Tools

When you search “credit score” on the internet, there are hundreds of ads and websites that pop up. Which ones should you trust? We’ll provide you with the best resources to get a free credit report and how to free tools like Credit Karma to improve your credit.

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Credit Karma® is a registered trademark of Credit Karma, LLC. CrossCountry Mortgage, its subsidiaries, and affiliates have not been authorized, sponsored, or otherwise approved by Credit Karma, LLC.

Clear and Easy

No Sales Pitch

We don’t offer credit repair services, and there’s no hidden sales pitch. We’ve sifted through all of the information online from reputable sources to weed out the advertisements and provide you with the information we believe is most useful for you.

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What people are saying about us

“I want express how much we not only appreciate Amanda, but speak so highly of her and the sacrifices she makes at her job to support our family and the well being of others. She is responsible, caring, and makes her customers feel valued and a priority! Thank you, Amanda, for all you have done to help us in our purchases and refis. These are integral parts of our investments that make a difference in the plans of our future. We are grateful for you!”

Linnea M.

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What people are saying about us

“From the first communication through closing, Bill was an absolute pleasure to work with. The process of securing a mortgage with the Gaylord-Hansen team was seamless and smooth. Bill is extremely responsive, knowledgeable, and accessible. He provided resources to help me become a more informed homebuyer, and I really appreciated that. If I purchase another property in the Las Vegas area, Bill and Gaylord-Hansen team will be my go-to lender. I couldn't have asked for a better lender experience. Thanks Bill!”

Tammy K.

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What people are saying about us

“The Gaylord-Hansen Team was amazing to work with. Professionalism, transparency, and an extreme sense of urgency to do what needs to get done on time. They also have a great portal to upload all necessary documentation to help maintain data security. If I had more stars I would score the company higher. They helped us purchase a dream second home, and we couldn't be happier. I've worked with many other lenders in past, and these people are by far the best! I won't think twice before working with them again.”

Imtiaz H.

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What people are saying about us

“My mortgage was not the normal garden variety. The Gaylord-Hansen team did an amazing job. The process was fast, clean and easy. Immediate response to any question/concerns. I could not be happier in their performance. Thanx everyone”

Gary A.

Read 30+ More Reviews on Facebook

What people are saying about us

“Working with the Gaylord-Hansen Mortgage Team is a dream. The process is very easy and very well-explained. The follow-up is prompt and polite. It seems that the process is over before you know it. I HIGHLY RECOMMEND Gaylord-Hansen Team!!!”

Robert M.

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What people are saying about us

“From the beginning to the end of our escrow, everyone on the Gaylord-Hansen Mortgage Team was absolutely amazing! In our previous home purchase, we had a horrible experience with our lender and were very apprehensive going forward. But everyone we worked with (especially Amanda & Asia) was professional, helpful, and always available! We felt supported every step of the way and everyone was just so kind and easy to work with! I would HIGHLY recommend this team to anyone going forward!!! We couldn't be more happy with the Gaylord-Hansen Mortgage Team!”

Kelli M.

Read 60+ More Reviews on Yelp

What people are saying about us

“The Gaylord-Hansen Mortgage Team is absolutely fantastic! I would highly recommend them for both a new purchase and a refinance, I have done both with them. They are extremely attentive and kept me updated every step of the way, whether is was from cool video emails to responding to my evening questions. They got me a fantastic rate and made the process very painless, both times!”

Tyler M.

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What people are saying about us

“I worked with this mortgage company to get a loan done quickly. I was closing on a foreclosure from a reverse mortgage. They got things done on time, they communicated perfectly through the process, they took away stress and worry for me. A+ highly recommend using them to make a stressful time/buying a home easier.”

Justin G.

Read 100+ More Reviews on Google

What people are saying about us

“My mortgage was not the normal garden variety. The Gaylord-Hansen team did an amazing job. The process was fast, clean and easy. Immediate response to any question/concerns. I could not be happier in their performance. Thanks everyone.”

Gary A.

Facebook iconRead 30+ More Reviews on Facebook
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10,905

Families Helped

#1

"Best of North Coast"
2019-2023

16

Years as a Team

In-House

Operations

5-Star

Reviews