Education Library

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Homebuyers

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Thinking about an Adjustable-Rate Mortgage? Read This First.

Mortgage Rates Today

For the right buyer, ARMs can offer some big advantages. But they’re not one-size-fits-all.

Airs live on YouTube

May 22, 2025

For the right buyer, ARMs can offer some big advantages. But they’re not one-size-fits-all.

May 22, 2025

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Homebuyers

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More Homes for Sale Isn’t a Warning Sign – It's Your Buying Opportunity

Mortgage Rates Today

In most areas, more inventory isn’t bad news. It’s actually a sign of the market returning to a more stable, healthy place.

Airs live on YouTube

May 21, 2025

In most areas, more inventory isn’t bad news. It’s actually a sign of the market returning to a more stable, healthy place.

May 21, 2025

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First-Time Buyers

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Homebuyers

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What Buyers Need To Know About Homeowners Association Fees

Mortgage Rates Today

Before buying a home in an HOA community, it’s a good idea to review the rules and fees so you know exactly what’s included, how that fits into your overall budget, and what restrictions may apply.

Airs live on YouTube

May 20, 2025

Before buying a home in an HOA community, it’s a good idea to review the rules and fees so you know exactly what’s included, how that fits into your overall budget, and what restrictions may apply.

May 20, 2025

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Homeowners

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You Could Use Some of Your Equity To Give Your Children the Gift of Home

Mortgage Rates Today

If you have a 3% mortgage rate, you’re probably pretty hesitant to let that go.

Airs live on YouTube

May 19, 2025

If you have a 3% mortgage rate, you’re probably pretty hesitant to let that go.

May 19, 2025

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Homeowners

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Housing Market Forecasts for the Second Half of 2025

Mortgage Rates Today

Are you wondering what to expect if you buy or sell a home in the second half of the year?

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May 16, 2025

Are you wondering what to expect if you buy or sell a home in the second half of the year?

May 16, 2025

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Sellers

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Why Would I Move with a 3% Mortgage Rate?

Mortgage Rates Today

If you have a 3% mortgage rate, you’re probably pretty hesitant to let that go.

Airs live on YouTube

May 15, 2025

If you have a 3% mortgage rate, you’re probably pretty hesitant to let that go.

May 15, 2025

Featured Resources

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Student Loans Are Back in the News. Don't Let It Put Your Homeownership Plans on Hold.

Student loans are back in the spotlight. And whether you've been following the headlines closely or just catching bits and pieces here and there, there's a good chance they've been on your mind lately.

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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

© 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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