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- 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
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- Home Equity
- Jumbo Loan
- Non-QM Loans
- Purchase
- Refinance
Moira Roberts
- Sr. Loan Officer
- Walnut Creek, CA Mortgage Loan Officer
- NMLS #2047040
Your biggest decision is my biggest passion
Hi, I’m Moira! When you come to me for your mortgage, I begin by listening. I want to understand your goals and priorities so I can provide the right home loan and strategy for you. Whatever your goal may be, my team and I will offer the latest mortgage products, competitive pricing, and a streamlined process from our initial consultation to closing and beyond.
Providing exceptional customer service is at the core of what I do and why I love this job. I’ll make sure you know what’s happening with your mortgage as it progresses throughout the process because communication is the key to our success. Whether you’re buying, refinancing, renovating, or simply exploring your options, I’m ready to give you an outstanding home loan experience.
My team and I help make homeownership possible, get offers accepted, and help you create long-term financial wealth. I’m honored to serve clients here in Walnut Creek, CA with America’s #1 Retail Mortgage Lender.
Moira’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.