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- monday: 8:00AM – 8:00PM
- tuesday: 8:00AM – 8:00PM
- wednesday: 8:00AM – 8:00PM
- thursday: 8:00AM – 8:00PM
- friday: 8:00AM – 8:00PM
- saturday: 8:00AM – 8:00PM
- sunday: 8:00AM – 8:00PM
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- Conventional Loan
- Jumbo Loan
- Non-QM Loans
- Purchase
- Refinance
Faramarz Moeen-Ziai
The key to winning your bid: my team
Hi, I’m Faramarz! Located in Berkeley, CA, my team’s mission is to serve you by leveraging our knowledge and commitment to first-class service. Our speed, efficiency, and reputation in the markets we serve result in our clients winning and getting their offers accepted, even when theirs is not the highest offer on the table. Our fully underwritten pre-approvals, paired with our ability to get from contract to close fast at America’s #1 Retail Mortgage Lender, put you in a position to win.
I’ve worked in the mortgage industry since 2003 and was a business owner for over 10 years, which gives me a unique skill set and perspective when working with clients. Since 2003, I’ve served over 5,000 clients and am proud to be a Scotsman Guide Top Originator. My team’s dual focus is service and speed, as shown by hundreds of five-star reviews on Google, Yelp, Zillow, and other platforms.
Whether you’re a first-time homebuyer or a long-time real estate investor, The FMZ Team is here to support you in any way that we can.
Faramarz’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.