We can help you put your mortgage to use to accomplish your financial goals.
Book A ConsultationThere are a variety of reasons to consider refinancing, depending on your financial goals – and there’s never been a better time to refinance thanks to historically low interest rates.
While refinancing can lower your monthly payments, it’s not right for everyone, and there are several important factors to consider. Whatever your goals are, we want to help you make informed decisions for your financial future.
Being a first-time homebuyer has unique advantages. We’ll help you choose the right mortgage to accomplish your specific financial goals.
We’ll run the numbers and show you how to afford a home you love without going over your monthly housing allowance.
We know you’re busy, so we work around your schedule and we can even guide you through the entire process without ever meeting in person.
Our team is proactive and extremely sharp, which means we can close on your home very quickly (usually within 30 days).
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!
Visit with our team in person or via phone or video.
Get pre-approved to find out what type of home you can afford.
Make an informed decision on the smartest mortgage for your financial goals.
Enjoy shopping for your new home with a quick, easy closing.
Prepare to move and start planning your housewarming party for your new home.
Use the calculator below to get an idea of how a refinance can impact your payment.
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.
We talk with interior designer Victoria Tik (Property Brothers, Aesthetik Design) about home upgrades, cash-out refinances, and how to add value to your house.
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Bill talks with Kyle of Elevate & Scale about renovating your home with a cash-out refi versus buying a new home.
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Let’s face it, whether you are getting a mortgage or shopping for a car, a salesman will try and put their offer into the best light possible. When you understand the basics, it will be easy for you to figure it out.
Watch The Video“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.”
Read 30+ More Reviews on Facebook“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.”
Read 100+ More Reviews on Google“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!”
Read 60+ More Reviews on Yelp“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”
Read 30+ More Reviews on Facebook“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!!!”
Read 100+ More Reviews on Google“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!”
Read 60+ More Reviews on Yelp
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, has 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.
The interest rate is the cost you will pay each year to borrow 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. It expresses the actual yearly cost over the term of the loan.
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.
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.
The best time of year to get a mortgage is in December.
The Department of Housing and Urban Development states that the lender has 30 calendar days to return these unused funds to you.
Federal regulation requires lenders to review the account annually to ensure that the correct amount of money is being collected. If too much money is accumulating in the account, the excess funds are legally required to be refunded. If too little is being collected, also known as an escrow shortage, the lender will bill you for the amount needed to satisfy the shortfall. Impounds are required on FHA loans, VA loans, and USDA loans. For conventional loans, impounds are generally required if less than 20% is put down (10% in CA). If you initially set up an escrow account, you may be able to get it removed later down the line by contacting your service provider.
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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“Best of North Coast”
2019 & 2020
San Diego Union-Tribune’s Readers Poll
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