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Education Library

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Sellers
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4 Reasons Your House Is High on Every Buyer’s Wish List This Season
Mortgage Rates Today
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Nov 24, 2025

There are plenty of good reasons to put (or keep) your house on the market during this time of year.

Airs live on YouTube
November 24, 2025

There are plenty of good reasons to put (or keep) your house on the market during this time of year.

November 24, 2025

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First-Time Buyers
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Homebuyers
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Most Experts Are Not Worried About a Recession
Mortgage Rates Today
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Nov 20, 2025

Homebuyers are watching the economy closely, and for good reason.

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November 20, 2025

Homebuyers are watching the economy closely, and for good reason.

November 20, 2025

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Sellers
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The Top 2 Things Homeowners Need To Know Before Selling
Mortgage Rates Today
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Nov 19, 2025

If you’re thinking about selling, don’t let the market discourage you, let it guide you.

Airs live on YouTube
November 19, 2025

If you’re thinking about selling, don’t let the market discourage you, let it guide you.

November 19, 2025

A picture from GH Mortgage University course
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Homebuyers
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Sellers
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The Housing Market Is Turning a Corner Going into 2026
Mortgage Rates Today
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Nov 17, 2025

After several years of high mortgage rates and hesitation from buyers, momentum is quietly building beneath the surface of the housing market.

Airs live on YouTube
November 17, 2025

After several years of high mortgage rates and hesitation from buyers, momentum is quietly building beneath the surface of the housing market.

November 17, 2025

A picture from GH Mortgage University course
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First-Time Buyers
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Interest Rates
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Would You Let $80 a Month Hold You Back from Buying a Home?
Mortgage Rates Today
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Nov 13, 2025

You don’t have to wait for 5.99%. You have the chance to move (and save) right now.

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November 13, 2025

You don’t have to wait for 5.99%. You have the chance to move (and save) right now.

November 13, 2025

A picture from GH Mortgage University course
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Homebuyers
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Sellers
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Are Builders Overbuilding Again? Let’s Look at the Facts.
Mortgage Rates Today
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Nov 12, 2025

Seeing more new homes for sale doesn’t mean builders are overdoing it.

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November 12, 2025

Seeing more new homes for sale doesn’t mean builders are overdoing it.

November 12, 2025

Featured Resources

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What Buying or Selling a Home Gives Back to Your Community

Buying or selling a home is a big financial decision. And right now, it feels even bigger.

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Why Waiting for Lower Rates and Lower Home Prices Could Cost You

Market update for the week of June 29 - July 3, 2026

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Down Payments Are Smaller Than They’ve Been Since 2021

Saving for a down payment can feel like the hardest part of buying a home.

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, MT, NV, OK, OR, TN, TX, WA

San Diego, CA

Branch NMLS 1437924

3636 Nobel Drive, Suite 130
San Diego, CA 92122

(858) 259-8700
Our TeamHow It WorksEventsContact
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.
MT - Mortgage Lender/Broker/Servicer License No. 3029.
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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