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Education Library

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How to Lower Debt-to-Income (DTI) Ratio for Mortgage
Mortgage Rates Today
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Apr 30, 2024

Increase your chances of getting approved for a loan, follow these practical tips to lower your DTI ratio and improve your financial health.

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April 30, 2024

Increase your chances of getting approved for a loan, follow these practical tips to lower your DTI ratio and improve your financial health.

April 30, 2024

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Sellers
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What More Listings Mean When You Sell Your House
Mortgage Rates Today
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Apr 30, 2024

The number of homes for sale is playing a big role in today’s housing market.

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April 30, 2024

The number of homes for sale is playing a big role in today’s housing market.

April 30, 2024

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Now’s a Great Time To Sell Your House
Mortgage Rates Today
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Apr 29, 2024

If you list during the spring and early summer, you might sell your house quickly and for a higher price.

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April 29, 2024

If you list during the spring and early summer, you might sell your house quickly and for a higher price.

April 29, 2024

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Sellers
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Equity Can Make Your Move Possible When Affordability Is Tight [INFOGRAPHIC]
Mortgage Rates Today
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Apr 26, 2024

Did you know the equity you have in your current house can help make your move possible?

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April 26, 2024

Did you know the equity you have in your current house can help make your move possible?

April 26, 2024

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First-Time Buyers
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Is a Multi-Generational Home Right for You?
Mortgage Rates Today
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Apr 25, 2024

Ever thought about living in the same house with your grandparents, parents, or other loved ones? You're not alone.

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April 25, 2024

Ever thought about living in the same house with your grandparents, parents, or other loved ones? You're not alone.

April 25, 2024

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Market
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Foreclosure Numbers Are Nothing Like the 2008 Crash
Mortgage Rates Today
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Apr 24, 2024

Here’s the latest information stacked against the historical data to put your mind at ease.

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April 24, 2024

Here’s the latest information stacked against the historical data to put your mind at ease.

April 24, 2024

Featured Resources

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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. Every jump in rates makes monthly payments bigger, and that pushes a lot of buyers to look for another way in.

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The Upside of a Slow Housing Market

Fewer people are shopping for homes right now, and for buyers who are ready, that could mean less competition along with slightly better rates.

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To Sell or Rent? How To Choose the Best Path for Your House.

Selling your house is a big step, and you want it to go smoothly. And with houses taking a little longer to sell these days, renting it out might start to sound like a nice backup plan.

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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