Enjoy the perks of a VA home loan

Discover how you can own your dream home with a $0 down payment!

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Enjoy the American Dream you serve to protect

Just as you’ve committed to serving in our armed forces, we want to show our gratitude by committing to serve you as you build your future through homeownership. Whether you’re active-duty or a retired veteran, you get access to advantageous VA loan programs, including options where you can own a home with zero money down.

Buying a home is one of the biggest investments you’ll ever make, which is why we help you make an informed decision so you don’t end up stretching yourself too thin. Start building wealth and creating lifelong memories with your family by owning a piece of the American Dream.

Make smart financial decisions

Members of our armed forces get exclusive access to favorable VA loans. We’ll help you choose the right option to accomplish your financial goals.

Maximize the value of your BAH

Whether you’re planning for retirement or you just want to lower your monthly expenses, we can help you lower your loan payments.

Flexible with your schedule

Use the equity in your home to fund your next renovation or pay down high-interest debt before it snowballs out of control.

Enjoy a fast and easy closing

Reduce the total amount of interest you owe and pay off your mortgage faster by shortening your loan term.

Getting started is easy

We understand that buying a home is a big decision and we believe that getting a mortgage shouldn’t be stressful or difficult. That’s why we’re here to help you make informed decisions every step of the way!

Book a consultation

Visit with our team in person or via phone or video.

Get pre-approved

Get pre-approved to find out what type of home you can afford.

Compare your options

Make an informed decision on the smartest mortgage for your financial goals.

Find your new home

Enjoy shopping for your new home with a quick, easy closing.

Pick up your keys

Prepare to move and start planning your housewarming party for your new home.

Let’s crunch some numbers

Use the calculator below to get an idea of what home price you can afford, how much cash you’ll need, and how long it will take to pay your home off.

NOTE: Tax, insurance, and other fees apply and are not included in the calculation below. For an estimate that includes these amounts, please contact us.

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.

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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.

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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.

Read 58+ More Reviews on Yelp

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.

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What is an appraisal and why is it needed?

A home appraisal is a monetary valuation of the property. The reason for an appraisal is to ensure that the collateral value (the home) justifies the loan amount the bank is lending to you. The appraiser’s job is to be unbiased and completely independent of the transaction, while at the same time being realistic and practical. The appraiser’s valuation is his or her professional opinion of what the property is worth.

How do mortgage credit inquiries affect your credit?

The notion that an excess of credit inquiries from mortgage lenders will lower your score is a common misconception. FICO, a scoring model required by Fannie Mae and Freddie Mac, there is logic in place that protects consumers’ credit scores from any negative impact caused by multiple inquiries as a result of rate shopping. Inquiries for mortgage loans that are less than 30 days old are ignored and have no impact. Inquiries older than 30 days are looked at, but multiple inquiries from mortgage lenders made within 45 days of one another are treated as one inquiry.

What is a contingency removal date?

Contracts for purchasing a home commonly include a contingency clause. The clause specifies certain requirements and conditions that must be met for the buyer to proceed with the sale. Contingencies allow the buyer to walk away from an agreement without penalty. The standard contingency is one that states the buyer is not bound to the contract if you fail to obtain approval for financing by a certain date. If you cannot gain approval and fail to meet the previously agreed upon timeframes, you will typically forfeit your earnest money deposit. Once all contingencies are removed, you are in effect saying that you understand and accept the property in its current condition and are going to close escrow.

What are supplemental taxes?

Supplemental taxes are reassessments of the secured property as of the first day of the month following an ownership change or the completion of new construction. In most cases, this reassessment results in one or sometimes two supplemental property tax bills in addition to the annual secured property tax bill. This typically is a buyer’s responsibility and is not included in the impound account (if one was chosen upon the set up of the new loan). When you receive a supplemental tax bill, you must contact your lender to determine who will pay the bill since these are not sent to the lender.

Why do I need to provide so much documentation to obtain a home loan?

After the mortgage meltdown, the mortgage industry tightened restrictions in order to minimize the amount of home loan defaults. Being prepared and producing quick documentation up front is the best way to avoid unnecessary stress or financing delays.

What are the advantages to establishing an impound account?

Through the collection of these housing expenses gradually throughout the year, this helps avoid the sticker shock when these sometimes large and infrequent (typically once or twice a year) bills become due. Assurance money to pay those bills will be there when the bill(s) come due. Your mortgage servicer will manage this account and pay the bills on your behalf.

What are the disadvantages to establishing an impound account?

Unable to collect interest on money held in the impound account. Decrease the amount of money you can put in an emergency fund since the lender keeps a little extra in your impound account, in order to ensure the extra cushion needed in order to keep making the insurance and tax payments if you stop making your monthly mortgage payments. If you have the option of “waiving” impounds, you will typically pay a fee of .125% of the loan amount at closing or opt to take a slightly higher mortgage rate.

What is the difference between APR and interest rate?

The interest rate is the cost you will pay each year to borrow the money, expressed as a percentage rate. The APR (Annual Percentage Rate) is a calculation based on standardized federal regulations. It provides a more complete picture by taking the interest rate as a starting point and accounting for the fees required to finance the mortgage loan. Expresses the actual yearly cost over the term of the loan.

How long does it take to get the unused funds in the impound account once a loan is paid off?

The Department of Housing and Urban Development states that the lender has 30 calendar days to return these unused funds to you.

What does it mean to get pre-approved?

To be pre-approved for a mortgage means that a bank or lender has investigated your credit history based upon information you have provided to render a credit decision. You will typically fill out a loan application, provide income documentation, asset documentation and other documents related to your financial history and then have the bank or lender determine how much money they are willing to loan you. Being pre-approved is sometimes confused with pre-qualified. Receiving pre-qualified is for informational purposes only. This doesn’t mean that the bank will loan you that amount, but just gives you an idea of how much you can borrow.

What does it mean to get cross qualified?

To be cross qualified means that the listing agent will require the buyer to submit a second mortgage loan application to a lender of the seller’s choosing. Typically the listing agent is trying to protect the seller’s interests by ensuring the buyer has a strong probability of being able to obtain a loan. This allows for a “second set of eyes” to validate the pre-qualification letter submitted to the buyers lender. While a buyer can never be forced to use a particular lender, it is in the seller’s best interest to have offers, with loans, cross qualified.

What is the best time of year to get a mortgage?

The best time of year to get a mortgage is in December. asdfasdfa.

Book a free consultation

We know getting a mortgage can be overwhelming and that you’re worried about making the right decision. Fortunately, though you might not do this every day, but we do – and we’re here to help! Book a free consultation so you can get one-on-one support as you navigate the biggest financial decision of your life.

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Families Helped
Since 2014

#1

“Best of North Coast 2019” in San Diego Union-Tribune’s Readers Poll

12

Years as a Team

#2

Non-Bank Lender in the United States

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