FMZ Team
Your Future Our Focus
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- Conventional Loan
- Jumbo Loan
- Non-QM Loans
- Purchase
- Refinance
We’ll be with you every step of the way
As America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, we’re dedicated to one thing: You.
Home financing is more than a single loan – it’s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, we’re dedicated to helping people prosper.
Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
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Guides and resources
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
Faramarz’s testimonials
Meet our team
Faramarz Moeen-Ziai
- VP, Mortgage Advisor
- NMLS #342090
- 2987 College Ave.
- Berkeley, CA 94705
Kelly O’Sullivan
- Senior Loan Officer
- NMLS #349711
- 2987 College Ave.
- Berkeley, CA 94705
- [email protected]
- mobile 925-989-4771
- tel 510-466-1159
- fax 510-466-1159
Valerie Warren
- Senior Loan Officer
- NMLS #1097050
- 881 Dover Drive
- Suite 110
- Newport Beach, CA 92663
- [email protected]
- mobile 818-652-6347
- tel 510-804-8396
- fax 510-804-8397
Zach Taylor
- Senior Mortgage Advisor
- NMLS #315344
- 322 Encinitas Blvd
- Suite 170
- Encinitas, CA 92024
- [email protected]
- mobile 619-813-7908
- tel 510-454-8718
Lynette Coleman
- Senior Mortgage Advisor
- NMLS #326542
- 322 Encinitas Blvd
- Suite 170
- Encinitas, CA 92024
- [email protected]
- mobile 760-644-3206
- tel 626-545-0129
Gil Faust
- Senior Loan Officer
- NMLS #283798
- 2987 College Ave.
- Berkeley, CA 94705
- [email protected]
- mobile 510-847-7195
- tel 510-847-7195
- fax 510-340-5066
Celena Villarreal
- Loan Officer
- NMLS #2035982
- 2987 College Ave.
- Berkeley, CA 94705
- [email protected]
- mobile 209-602-8030
- tel 510-477-2462
- fax 510-477-2462
Our support staff
Amy Johnson
Branch Business Development Specialist
Elizabeth DelaCruz
Loan Set Up
Jenny Sabaka
Pre-Approval Desk
Katie Hernandez
Branch Operations Manager
Laura Tabsharani
Senior Business Development Specialist
Madison McPeak
Loan Officer AssistantJennifer Bloom
Sr. Loan ProcessorMy social posts
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.