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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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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Bill Gaylord
- RVP, Residential Lending
- Las Vegas, NV Mortgage Loan Officer
- NMLS #680603
I’ll be with you every step of the way
Hi, I’m Bill, known as Mr. Positive by my team, clients, and partners because I always find the good in every situation. I strive to create a fun, lively atmosphere, but don’t let my easygoing nature fool you—I’m fiercely competitive and expect only the best from my team. You can count on us to keep your loan on track from application to closing.
In addition to loan origination, I play a key role in building relationships with business partners like real estate agents, builders, and financial advisors. I’m also the team’s social media guru, passionate about telling stories and connecting with people through video. From our weekly Facebook Live mortgage topics to interviews and content, I’m behind it all!
As part of the Las Vegas, NV team at America’s #1 Retail Mortgage Lender, I love my job, and it shows in the results my team and I achieve. I look forward to helping you achieve your homeownership dreams!
Bill’s testimonials
Guides and resources
My social posts
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
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.