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Your Local CrossCountry Mortgage Loan Officer
Monica DiPerna, MBA
- Branch Manager/Senior Loan Advisor
- Berkeley, CA Mortgage Loan Officer
- NMLS # 116494
I make refinancing smooth and simple
Hello! I’m Monica, a Branch Manager/Senior Loan Advisor at the Berkeley, CA branch of America’s #1 Retail Mortgage Lender. Whether you’re looking to lower your monthly payment, access cash for home improvements or consolidate high-interest debt, I can guide you on refinance and home equity solutions tailored to fit your goals.
Clear communication builds confidence. That’s why I’ll be by your side through every step of the process. From application to closing and beyond, I’ll provide personal guidance, answers to your questions and help make your experience smooth and stress-free.
Your home is one of your most valuable assets — and I’m here to help you make the most of it. From conventional, VA and FHA refinance options to HELOC and home equity loans, I’ll help you explore the right options for your financial plans.
With the support of a knowledgeable and experienced team behind me, I’m dedicated to making your refinance feel like a win.
Guides and resources
Calculate how much you can save if you refinance your mortgage.
Enter the basic terms for your current loan and a new loan to calculate the differences and see the refinance savings over the life of the loan.
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.
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Frequently asked questions
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Refinance costs vary, but typically range from 2% to 6% of your loan amount. For example, refinancing a $300,000 mortgage may cost $6,000–$18,000. Costs include appraisal, title and lender fees. A CCM loan officer can help calculate your break-even point and long-term savings.
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A cash-out refinance lets you replace your current mortgage with a new one for more than you owe — taking the difference in cash. Use it for renovations, debt consolidation, tuition, or unexpected expenses by tapping into your home’s equity.
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Refinancing makes sense when you can lower your interest rate, shorten your loan term, switch to a fixed rate or access equity for cash. If your current mortgage no longer fits your financial goals, it may be time to refinance.
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To refinance, meet with a CCM loan officer, review your credit, apply for your new loan and submit required documents. After approval, you’ll schedule a closing and start fresh with your new mortgage terms and payment structure.
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You can typically refinance after six months, but timing depends on loan type, lender and your financial situation. A CCM loan officer can help determine if now’s the right time based on your equity, credit and current interest rates.