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How much will my mortgage payment be?

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Reach your homeownership goals

Our mission is to provide you with the smartest financial tools to help you achieve your homeownership goals. Here are a few of our most popular resources to help you get started!

90-Day Game Plan to Homeownership

Thinking about homeownership? We've laid out everything you need to know to get started!

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Credit Resource Guide

Even if your credit score isn't perfect, homeownership is still within reach. Learn how to improve your credit!

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10,907

Families Helped

#1

"Best of North Coast"
2019-2023

16

Years as a Team

In-House

Operations

5-Star

Reviews

What people are saying about us

“I want express how much we not only appreciate Amanda, but speak so highly of her and the sacrifices she makes at her job to support our family and the well being of others. She is responsible, caring, and makes her customers feel valued and a priority! Thank you, Amanda, for all you have done to help us in our purchases and refis. These are integral parts of our investments that make a difference in the plans of our future. We are grateful for you!”

Linnea M.

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What people are saying about us

“From the first communication through closing, Bill was an absolute pleasure to work with. The process of securing a mortgage with the Gaylord-Hansen team was seamless and smooth. Bill is extremely responsive, knowledgeable, and accessible. He provided resources to help me become a more informed homebuyer, and I really appreciated that. If I purchase another property in the Las Vegas area, Bill and Gaylord-Hansen team will be my go-to lender. I couldn't have asked for a better lender experience. Thanks Bill!”

Tammy K.

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What people are saying about us

“The Gaylord-Hansen Team was amazing to work with. Professionalism, transparency, and an extreme sense of urgency to do what needs to get done on time. They also have a great portal to upload all necessary documentation to help maintain data security. If I had more stars I would score the company higher. They helped us purchase a dream second home, and we couldn't be happier. I've worked with many other lenders in past, and these people are by far the best! I won't think twice before working with them again.”

Imtiaz H.

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What people are saying about us

“My mortgage was not the normal garden variety. The Gaylord-Hansen team did an amazing job. The process was fast, clean and easy. Immediate response to any question/concerns. I could not be happier in their performance. Thanx everyone”

Gary A.

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What people are saying about us

“Working with the Gaylord-Hansen Mortgage Team is a dream. The process is very easy and very well-explained. The follow-up is prompt and polite. It seems that the process is over before you know it. I HIGHLY RECOMMEND Gaylord-Hansen Team!!!”

Robert M.

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What people are saying about us

“From the beginning to the end of our escrow, everyone on the Gaylord-Hansen Mortgage Team was absolutely amazing! In our previous home purchase, we had a horrible experience with our lender and were very apprehensive going forward. But everyone we worked with (especially Amanda & Asia) was professional, helpful, and always available! We felt supported every step of the way and everyone was just so kind and easy to work with! I would HIGHLY recommend this team to anyone going forward!!! We couldn't be more happy with the Gaylord-Hansen Mortgage Team!”

Kelli M.

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What people are saying about us

“The Gaylord-Hansen Mortgage Team is absolutely fantastic! I would highly recommend them for both a new purchase and a refinance, I have done both with them. They are extremely attentive and kept me updated every step of the way, whether is was from cool video emails to responding to my evening questions. They got me a fantastic rate and made the process very painless, both times!”

Tyler M.

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What people are saying about us

“I worked with this mortgage company to get a loan done quickly. I was closing on a foreclosure from a reverse mortgage. They got things done on time, they communicated perfectly through the process, they took away stress and worry for me. A+ highly recommend using them to make a stressful time/buying a home easier.”

Justin G.

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What people are saying about us

Gary A.

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Frequently asked questions

What does it mean to get pre-approved?

To be pre-approved for a mortgage means that a bank or lender has investigated your credit history and made a credit decision based on information you have provided. You will typically fill out a loan application, provide income documentation, asset documentation, and other documents related to your financial history and then have the bank or lender determine how much money they are willing to loan you. Being pre-approved is sometimes confused with pre-qualified. Being pre-qualified is for informational purposes only. This does not mean that the bank will loan you that amount; it just gives you an idea of how much you can borrow.

How do mortgage credit inquiries affect your credit?

The notion that an excess of credit inquiries from mortgage lenders will lower your score is a common misconception. FICO, a scoring model required by Fannie Mae and Freddie Mac, has logic in place that protects consumers’ credit scores from any negative impact caused by multiple inquiries as a result of rate shopping. Inquiries for mortgage loans that are less than 30 days old are ignored and have no impact. Inquiries older than 30 days are looked at, but multiple inquiries from mortgage lenders made within 45 days of one another are treated as one inquiry.

What is the difference between APR and interest rate?

The interest rate is the cost you will pay each year to borrow money, expressed as a percentage rate. The APR (Annual Percentage Rate) is a calculation based on standardized federal regulations. It provides a more complete picture by taking the interest rate as a starting point and accounting for the fees required to finance the mortgage loan. It expresses the actual yearly cost over the term of the loan.

What is an appraisal and why is it needed?

A home appraisal is a monetary valuation of the property. The reason for an appraisal is to ensure that the collateral value (the home) justifies the loan amount the bank is lending to you. The appraiser’s job is to be unbiased and completely independent of the transaction, while at the same time being realistic and practical. The appraiser’s valuation is his or her professional opinion of what the property is worth.

Why do I need to provide so much documentation to obtain a home loan?

After the mortgage meltdown, the mortgage industry tightened restrictions in order to minimize the amount of home loan defaults. Being prepared and producing quick documentation up front is the best way to avoid unnecessary stress or financing delays.

What is the best time of year to get a mortgage?

The best time of year to get a mortgage is in December.

What does it mean to get cross qualified?

To be cross qualified means that the listing agent will require the buyer to submit a second mortgage loan application to a lender of the seller’s choosing. Typically the listing agent is trying to protect the seller’s interests by ensuring the buyer has a strong probability of being able to obtain a loan. This allows for a “second set of eyes” to validate the pre-qualification letter submitted to the buyers lender. While a buyer can never be forced to use a particular lender, it is in the seller’s best interest to have offers, with loans, cross qualified.

What is a contingency removal date?

Contracts for purchasing a home commonly include a contingency clause. The clause specifies certain requirements and conditions that must be met for the buyer to proceed with the sale. Contingencies allow the buyer to walk away from an agreement without penalty. The standard contingency is one that states the buyer is not bound to the contract if you fail to obtain approval for financing by a certain date. If you cannot gain approval and fail to meet the previously agreed upon timeframes, you will typically forfeit your earnest money deposit. Once all contingencies are removed, you are in effect saying that you understand and accept the property in its current condition and are going to close escrow.

What are supplemental taxes?

Supplemental taxes are reassessments of the secured property as of the first day of the month following an ownership change or the completion of new construction. In most cases, this reassessment results in one or sometimes two supplemental property tax bills in addition to the annual secured property tax bill. This typically is a buyer’s responsibility and is not included in the impound account (if one was chosen upon the set up of the new loan). When you receive a supplemental tax bill, you must contact your lender to determine who will pay the bill since these are not sent to the lender.

What is an impound account?

Also known as an escrow account, the impound account is an account that is set up by your new lender with your home loan that will pay your property taxes and/or homeowners insurance for you by collecting 1/12th of the annual property taxes and/or insurance along with your mortgage payment each month. The amounts collected are not a cost of doing the loan. It is your money that will be used solely to pay your property taxes and/or insurance.

What are the advantages to establishing an impound account?

Through the collection of these housing expenses gradually throughout the year, this helps avoid the sticker shock when these sometimes large and infrequent (typically once or twice a year) bills become due. Assurance money to pay those bills will be there when the bill(s) come due. Your mortgage servicer will manage this account and pay the bills on your behalf.

What are the disadvantages to establishing an impound account?

Unable to collect interest on money held in the impound account. Decrease the amount of money you can put in an emergency fund since the lender keeps a little extra in your impound account, in order to ensure the extra cushion needed in order to keep making the insurance and tax payments if you stop making your monthly mortgage payments. If you have the option of “waiving” impounds, you will typically pay a fee of .125% of the loan amount at closing or opt to take a slightly higher mortgage rate.

How long does it take to get the unused funds in the impound account once a loan is paid off?

The Department of Housing and Urban Development states that the lender has 30 calendar days to return these unused funds to you.

Property taxes and insurance premiums can adjust from year to year. How does the lender determine the correct premiums to pay?

Federal regulation requires lenders to review the account annually to ensure that the correct amount of money is being collected. If too much money is accumulating in the account, the excess funds are legally required to be refunded. If too little is being collected, also known as an escrow shortage, the lender will bill you for the amount needed to satisfy the shortfall. Impounds are required on FHA loans, VA loans, and USDA loans. For conventional loans, impounds are generally required if less than 20% is put down (10% in CA). If you initially set up an escrow account, you may be able to get it removed later down the line by contacting your service provider.

Book a free consultation

We know getting a mortgage can be overwhelming and that you’re worried about making the right decision. Fortunately, though you might not do this every day, but we do – and we’re here to help! Book a free consultation so you can get one-on-one support as you navigate the biggest financial decision of your life.

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