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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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- First-Time Homebuyers
- Jumbo Loan
- Purchase
- Refinance
- VA Loan
Arlo Zoerner
- Originating Branch Manager
- Walnut Creek, CA Mortgage Loan Officer
- NMLS #293974
I’ll be with you every step of the way
Hi, I’m Arlo, a dedicated loan officer in Walnut Creek, CA. I joined CrossCountry Mortgage in 2021 with experience in the mortgage industry dating back to 2002 as a top producing loan officer. My philosophy is to treat every client equally, and to offer the same high level of service to all clients, regardless of the transaction size. I enjoy keeping my clients well informed of real estate and financing trends on a regular basis and will always be a phone call away to answer any questions or offer my services to your, your loved ones, or your friends and associates.
As your loan officer, at America’s #1 Retail Mortgage Lender, I have the latest in technology, training, and a broad product offering to ensure I can meet the needs of my clients and referral partners in the community. I specialize in conventional, FHA, VA, jumbo and bridge loans. Together, we’ll achieve your homeownership dreams.
yOff the clock, you can find me mountain biking, snowboarding, and spending time with my two daughters and my wife Christy
Guides and resources
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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.