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Your Local CrossCountry Mortgage Loan Officer

Tony Gillard

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  • Mortgage Advisor
  • Lake Oswego, OR Mortgage Loan Officer
  • NMLS #120989
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I’ll be with you every step of the way

Hi, I’m Tony, I love what I do and have been doing it for over 18 years! There is no greater privilege than to help someone secure their future home or improve a family’s budget by saving on their mortgage payment. As a member of our Lake Oswego, OR team, I’m proud to offer the resources of America’s #1 Retail Mortgage Lender to make that happen.

My team and I serve our clients with the most attentive customer experience possible, finding the right home loan, and working efficiently for a smooth, on-time close. My goal is to make you a raving fan for life who will return to me for your future loans and trust me enough to send your friends and family my way.

If you’re a real estate agent looking for a dedicated partner, I’d like to hear from you. Together, we can give clients a smooth, transparent process.

Whether you’re buying, refinancing, or renovating, trust America’s #1 Retail Mortgage Lender to give you an outstanding mortgage experience.

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.

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A family plays together peacefully knowing they found the best option to help them reach financial wellness.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

Contact me

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

Inspiration for your home loan journey

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My social posts

Tony Gillard Tony Gillard
Jun 4
Pending home sales dropped 6.3% in April, and we’re seeing a familiar trend. More homes on the market, fewer buyers committing. The difference now? Your clients may have more leverage. Let’s talk today!
Tony Gillard Tony Gillard
Jun 2
Stepping back gives clarity.
Tony Gillard Tony Gillard
May 30
While nearly half of buyers still settle in the suburbs, a rising number are buying in the big city. Whether your clients are looking for a downtown apartment or a rural escape, we’ve got loans for any locale....
Tony Gillard Tony Gillard
May 28
April saw a modest slowdown in existing-home sales, easing 0.5% from the previous month. As demand remains pent up, we’re your go-to partner when your buyers find opportunities in their market.
Tony Gillard Tony Gillard
May 23
The average stay in a new home is 15 years, but a quarter of buyers are ready to live out the length of their mortgage — and then some.

Frequently asked questions

  • 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.

    Learn more

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