Education Library

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Homebuyers

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First-Time Buyers

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Watch The Video:

The 3 Factors That Affect Home Affordability

Mortgage Rates Today

The key factors that determine housing affordability are projected to improve this year.

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January 24, 2023

The key factors that determine housing affordability are projected to improve this year.

January 24, 2023

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Sellers

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Watch The Video:

Want To Sell Your House? Price It Right.

Mortgage Rates Today

Homes priced right are still selling in today’s market!

Airs live on YouTube

January 23, 2023

Homes priced right are still selling in today’s market!

January 23, 2023

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First-Time Buyers

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Homebuyers

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Watch The Video:

Pre-Approval in 2023: What You Need To Know

Mortgage Rates Today

To understand why getting pre-approved is such an important step in the homebuying process, you need to understand what pre-approval is and what it does for you.

Airs live on YouTube

January 19, 2023

To understand why getting pre-approved is such an important step in the homebuying process, you need to understand what pre-approval is and what it does for you.

January 19, 2023

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Market

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Watch The Video:

Have Home Values Hit Bottom?

Mortgage Rates Today

Home prices month-over-month have depreciated for the past four months on record, but there’s a strong case to be made that the worst may be behind us.

Airs live on YouTube

January 18, 2023

Home prices month-over-month have depreciated for the past four months on record, but there’s a strong case to be made that the worst may be behind us.

January 18, 2023

A picture from GH Mortgage University course

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Homebuyers

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First-Time Buyers

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Market

Watch The Video:

Think Twice Before Waiting for 3% Mortgage Rates

Mortgage Rates Today

The recent pullback in mortgage rates is great news – but if you’re ready to buy now, holding out for 3% is a mistake.

Airs live on YouTube

January 17, 2023

The recent pullback in mortgage rates is great news – but if you’re ready to buy now, holding out for 3% is a mistake.

January 17, 2023

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Market

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Watch The Video:

What Past Recessions Tell Us About the Housing Market

Mortgage Rates Today

Why you shouldn’t be afraid of what a recession could mean for the housing market today

Airs live on YouTube

January 16, 2023

Why you shouldn’t be afraid of what a recession could mean for the housing market today

January 16, 2023

Featured Resources

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The Jobs Data Changed the Rate Conversation

Market update for the week of August 17 - 21, 2026

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Sellers Are Cutting Prices To Meet Buyers Where They're At

You're scrolling through listings on your phone and everything looks good until you see the price (or the estimated monthly payment). Then you close the app.

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Watch The Video:

Worried About a Housing Crash? The Numbers Tell a Calmer Story.

A recent survey from Talker Research asked Americans to pick one word to describe how 2026 has felt so far. The winner? Stressful. And honestly, there’s been a lot going on.

© 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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