Take the smarter approach to refinancing

We can help you put your mortgage to use to accomplish your financial goals.

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Take the smarter approach to refinancing

There 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.

Make smart financial decisions

Being a first-time homebuyer has unique advantages. We’ll help you choose the right mortgage to accomplish your specific financial goals.

Reduce your monthly payments

We’ll run the numbers and show you how to afford a home you love without going over your monthly housing allowance.

Pull equity out of your home

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.

Pay off your mortgage sooner

Our team is proactive and extremely sharp, which means we can close on your home very quickly (usually within 30 days).

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 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.

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.

Read 30+ More Reviews on Facebook

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.

Read 58+ More Reviews on Yelp

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.

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 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 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.

Book Your Consultation

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Since 2014

#1

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

12

Years as a Team

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Non-Bank Lender in the United States

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