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Education Library

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First-Time Buyers
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Homebuyers
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Why Buying a Home Makes More Sense Than Renting Today
Mortgage Rates Today
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May 1, 2023

Wondering if you should continue renting or if you should buy a home this year? If so, consider this.

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May 1, 2023

Wondering if you should continue renting or if you should buy a home this year? If so, consider this.

May 1, 2023

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Market
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Why Today's Foreclosure Numbers Are Nothing Like 2008
Mortgage Rates Today
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Apr 27, 2023

Home affordability is based on more than just mortgage rates – it’s determined by a combination of mortgage rates, home prices, and wages.

Airs live on YouTube
April 27, 2023

Home affordability is based on more than just mortgage rates – it’s determined by a combination of mortgage rates, home prices, and wages.

April 27, 2023

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Market
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The Three Factors Affecting Home Affordability Today
Mortgage Rates Today
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Apr 26, 2023

Home affordability is based on more than just mortgage rates – it’s determined by a combination of mortgage rates, home prices, and wages.

Airs live on YouTube
April 26, 2023

Home affordability is based on more than just mortgage rates – it’s determined by a combination of mortgage rates, home prices, and wages.

April 26, 2023

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Market
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What Are the Experts Saying About the Spring Housing Market?
Mortgage Rates Today
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Apr 25, 2023

The housing market’s been going through a lot of change lately, and there’s been uncertainty surrounding what will happen this spring.

Airs live on YouTube
April 25, 2023

The housing market’s been going through a lot of change lately, and there’s been uncertainty surrounding what will happen this spring.

April 25, 2023

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First-Time Buyers
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Homebuyers
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The Power of Pre-Approval
Mortgage Rates Today
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Apr 24, 2023

Getting pre-approved lets you know what you can borrow for your loan and shows sellers you’re serious.

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April 24, 2023

Getting pre-approved lets you know what you can borrow for your loan and shows sellers you’re serious.

April 24, 2023

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First-Time Buyers
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Homebuyers
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What’s the Difference Between a Home Inspection and an Appraisal?
Mortgage Rates Today
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Apr 20, 2023

Here’s the breakdown of each one and why they’re both important when buying a home.

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April 20, 2023

Here’s the breakdown of each one and why they’re both important when buying a home.

April 20, 2023

Featured Resources

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Who’s Buying Homes with Cash Right Now?

There are 4 housing markets right now: cash buyers, buyers who need a mortgage, homeowners with low mortgage rates, and builders.

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Why Builders May Be More Motivated To Sell Than Homeowners

When the housing market slows down, homeowners and builders don't always respond the same way.

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Why More Buyers Are Turning To Adjustable-Rate Mortgages Today

When mortgage rates climb, buying a home can start to feel like trying to hit a moving target.

We guide homebuyers in making smart financial decisions to build their future.

The Hansen-Tyler 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, MI, NV, OK, OR, TN, TX, WA

San Diego, CA

Branch NMLS 1437924

3636 Nobel Drive, Suite 130
San Diego, CA 92122

(858) 259-8700
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EducationFirst-Time BuyersRefinancingActive-Duty/Veterans

© 2026 Hansen-Tyler Team. All Rights Reserved.

Equal Housing Opportunity. CrossCountry Mortgage, LLC. Company NMLS 3029. Branch NMLS 1437924. (www.nmlsconsumeraccess.org)

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.
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REFINANCING
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.
MI - 1st Mortgage Broker/Lender/Servicer Registrant No. FR0024287. 2nd Mortgage Broker/Lender/Servicer Registrant No. SR0019909.
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.
TN - Mortgage License No. 109408. Industrial Loan and Trust Company Registration No. 3029.
TX - SML Mortgage Banker Registration. SML Residential Mortgage Loan Servicer Registration 3029. Texas Rights.
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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