1577 Solano Ave.
Berkeley, CA 94707 Mobile 415.710.0354 Tel 415.710.0354 [email protected]
- 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

Your Local CrossCountry Mortgage Loan Officer

Monica DiPerna, MBA

Branch Manager/Senior Loan Advisor
Berkeley, CA Mortgage Loan Officer
NMLS # 116494

I love guiding first-time buyers home

Hello! My name is Monica, and I’m proud to help first-time homebuyers take that exciting first step toward homeownership here. As a Branch Manager/Senior Loan Advisor at the Berkeley, CA branch of America’s #1 Retail Mortgage Lender, I’m dedicated to making sure your first home purchase feels like a win.

Buying your first home is a big milestone, and I’m here to guide you through every part of the journey. I’ll answer your questions, walk you through your options in clear terms and keep you informed. Communication creates confidence, and I want you to feel confident every step of the way.

I offer a variety of loan options ideal for first-time homebuyers, including conventional, FHA, VA, USDA and down payment assistance programs. I’ll take the time to understand your goals and help you find the right fit so you can move forward with peace of mind.

With personalized guidance, expert insight and a process built around you, I look forward to helping you go from homebuyer to homeowner.

Start the Process

2025 Scotsman Guide Top Mortgage Lenders Award

2025 The Plain Dealer Top Workplaces Award

Guides and resources

By proceeding, I consent by electronic signature to receive calls and SMS text messages from CrossCountry Mortgage, LLC at the phone number I have provided, for any purpose, including loan inquiries, marketing, sales, and informational communications. I understand and agree that these calls and text messages may be made by any means or technology, including an automatic telephone dialing system or other automated system for the selection and dialing of telephone numbers, a prerecorded or artificial voice, or an AI-generated voice. I also understand and agree that my consent to calls and texts from CrossCountry Mortgage, LLC is not required to purchase products from or use the services of CrossCountry Mortgage, LLC, and that I may contact CrossCountry Mortgage, LLC at (877) 351-3400 about its products and services at any time. I understand that I may cancel this consent at any time. Reply STOP to discontinue SMS text messages. For help, reply HELP, call us at 844-940-2272 or email [email protected]. Message and data rates may apply. Message frequency varies. Terms and Conditions and Privacy Policy apply.

How much will your mortgage payment be?

Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.

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.

A woman in her home office is excited to learn about down payment assistance options.

A family celebrates achieving their dream of owning their first home.

A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Down Payment Assistance

Turn years from now into today

Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash.

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply.

We make home happen. Contact me today to see which option is best for you.

Learn more

Buying Your First Home Is Possible

Are you dreaming of owning your own home, but it feels impossible to get started? Navigating the homebuying process can be overwhelming, but you’re more ready than you think!

We guide you every step of the way – simplifying the process and shaping your homebuying power, so you feel confident all the way home.

Let’s get started

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief.

Financing options:

Home loans with as little as 3% down
Temporary buydowns to lower your mortgage rate at the start of your loan
Down payment assistance from national and state programs
Personalized home financing solutions

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!

Take the first step toward homeownership. Let’s discuss your options today.

Contact me

Monica’s Reviews

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Mortgage checkup time.

Your home needs regular maintenance and so does your mortgage. Now is the perfect time to evaluate your current home loan. Could you save with a refinance? Tap into your home equity to ease your cash flow? Contact us for a complimentary review.

Our Team

Inspiration for your home loan journey

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Couple Considers Renting vs. Owning With Realtor In Kitchen

Renting vs. Owning — What Are the Advantages?

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Couple sits down to create their first-time homebuyer budget together.

First-Time Homebuyer Budgeting Strategies

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Your Local CrossCountry Mortgage Loan Officer

Monica DiPerna, MBA

I love guiding first-time buyers home

Guides and resources

First-Time Homebuyer Hub

Homebuying Guide

Mortgage Terminology

How much will your mortgage payment be?

Down Payment Assistance

Turn years from now into today

Buying Your First Home Is Possible

Ready to Buy Your First Home?

Monica’s Reviews

Mortgage checkup time.

Our Team

Inspiration for your home loan journey

Renting vs. Owning — What Are the Advantages?

First-Time Homebuyer Budgeting Strategies

What Is a Good Credit Score?

My social posts

My Videos

Frequently asked questions

I’d love to hear from you.