Gaylord-Hansen Team
Your Future Our Focus
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7885 W Sunset Rd., Suite 140 Las Vegas, NV 89113 Mobile (858) 776-6830 Tel (619) 695-1516 [email protected]
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- Purchase
- Refinance
We’ll be with you every step of the way
As America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, we’re dedicated to one thing: You.
Home financing is more than a single loan – it’s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, we’re dedicated to helping people prosper.
Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
Guides and resources
How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Bill’s testimonials
Meet our team
Bill Gaylord
- RVP, Residential Lending
- NMLS #680603
- 7885 W Sunset Rd.
- Suite 140
- Las Vegas, NV 89113
- [email protected]
- mobile 858-776-6830
- tel 619-695-1516
- fax 702-369-5836
Christine Edwards
- Loan Officer, Mortgage Expert
- NMLS #2037883
- 7885 W Sunset Rd.
- Suite 140
- Las Vegas, NV 89113
- [email protected]
- mobile 702-250-1599
John Heffron
- Loan Officer, Mortgage Expert
- NMLS #1542713
- 37 East 100 North
- Suite 101
- Heber City, UT 84032
- [email protected]
- mobile 858-757-4441
- tel 619-430-2665
- fax 619-430-2665
Amanda Stringer
- Loan Officer, Mortgage Expert
- NMLS #1130398
- 9255 Towne Centre Drive
- Suite 950
- San Diego, CA 92121
- [email protected]
- mobile 760-846-8484
- tel 406-551-9115
- fax 619-376-1845
Ali Tyler
- Loan Officer, Mortgage Expert
- NMLS #1213343
- 9255 Towne Centre Drive
- Suite 950
- San Diego, CA 92121
- [email protected]
- mobile 619-997-5165
- fax 619-541-6183
Garrett Tyler
- Sales Manager
- NMLS #1380420
- 9255 Towne Centre Drive
- Suite 950
- San Diego, CA 92121
- [email protected]
- mobile 858-735-0841
- fax 619-308-6919
Jeff Olson
- Loan Officer, Mortgage Expert
- NMLS #1555571
- 9255 Towne Centre Drive
- Suite 950
- San Diego, CA 92121
- [email protected]
- mobile 858-442-2142
- tel 619-295-4953
- fax 619-295-4953
Julie Ozanich
- Loan Officer, Mortgage Expert
- NMLS #479603
- 9255 Towne Centre Drive
- Suite 950
- San Diego, CA 92121
- [email protected]
- mobile 858-204-1254
- tel 619-260-2036
- fax 619-260-2036
Sam Hansen
- RVP, Residential Lending
- NMLS #632837
- 9255 Towne Centre Drive
- Suite 950
- San Diego, CA 92121
- [email protected]
- mobile 858-442-1232
- tel 619-220-6856
- fax 619-220-6856
Our support staff
Markeita Roush-Wedlake
Loan Officer Assistant
Ashante Moxley
Loan Processor
Heidi Illeman
Pre-Approval Expert
Asia Floyd
Personal Loan Manager
Suzie DeBurn
Branch Closing Coordinator
Lyndsay Seto
Branch Marketing DirectorMy social posts
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.