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1211 Newell Ave, Suite 200 Walnut Creek, CA 94596 Mobile (925) 216-8650 Tel (925) 216-8650 [email protected]
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- monday: 9:00AM – 5:00PM
- tuesday: 9:00AM – 5:00PM
- wednesday: 9:00AM – 5:00PM
- thursday: 9:00AM – 5:00PM
- friday: 9:00AM – 5:00PM
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- Purchase
- Refinance
Neda Mohammadi
- Loan Advisor, VP of Sales Operations
- Walnut Creek, CA Mortgage Loan Officer
- NMLS #257838
Your biggest decision is my biggest passion
Hi, I’m Neda. Life is full of different paths. Mine led me to the mortgage industry immediately after high school. I was intrigued by the financing side of the business and how to work the financials to find the right mortgage for each client’s situation. Since 2000, I’ve loved helping first-time homebuyers, Veterans, investors, and buyers of all backgrounds leverage financing to grow their net worth.
Everyone has a unique financial situation and goal. As a senior loan officer at our Walnut Creek, CA branch at America’s #1 Retail Mortgage Lender, I’ll help you find the right loan, whether you’re looking to buy your first home or invest. From Jumbo mortgages to VA, FHA, and Conventional financing, I’ll provide you with the information you need to make a confident decision.
My consideration for you doesn’t end after finding a mortgage. I’ll always be your trusted advisor, ready to answer your questions and make sure your home loan continues to meet your changing circumstances.
Neda’s testimonials
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.