FM and his entire team are top notch. The whole process was seamless, and they are incredibly responsive which is very helpful when things are moving quickly. We are so grateful to have found them and would highly recommend! read more

FM and his Team are AMAZING! They made a difficult process as easy as possible through constant communication and solid advice. They held my hand every step of the way, and I cannot thank them enough! read more

FMZ Loans - Got our dream house, thanks to Faramarz and his wonderful Team! - Mortgage Brokers Near Me - San Ramon, California

Faramarz and his team at Cross Country smoothly handled our home purchase loan, and were a delight to work with from start to finish. They helped us choose the loan option that made the most sense for our situation, and got us the best rate available at the time. They were always easy to reach whenever we had questions, and they got us closed amazingly quickly -- in just two weeks. All in all, they made our home purchase in the East Bay an incredibly easy, comfortable experience. read more

Faramarz and his team were fantastic and easy to work with. We were deciding between three reputable and competent loan officers, and Cross country had the lowest rate and lowest fees/loan costs. Faramarz has an outstanding reputation with local relators which is invaluable when submitting an offer in a competitive market. We were able to close in 17 days. read more

I've worked with FM before and would do it again. He really goes out of his way to smooth the process. As retirees, our situation was unusual, but he got it done. read more

Discovered them through my realtor and initially intended to collaborate with Faramarz Moeen-Ziai. However, his assistant, Harly Cotaco, ended up handling my case, at least for the initial days. Unfortunately, the experience turned out to be quite frustrating. They tend to prolong the process by repeatedly requesting additional documents, only to eventually become unresponsive, regardless of how persistent your attempts to contact them through calls, texts, or voicemails. It's a regrettable investment of time, and the added drawback of a credit inquiry seems entirely unwarranted. I would strongly recommend seeking out a more reliable company and avoiding any association with them. Update: Faramarz called me right after this review and followed up with my application. He looks like a great guy but his team apparently needs some guidance. read more

We deeply appreciate having the experience of working with Faramarz and his team at CrossCountry Mortgage. As first time homebuyers, buying from the inheritors of the property we had been renting for decades, and having intense pressure to close this sale in 3 weeks, we came to Faramarz with no real knowledge and a lot of anxiety. He took excellent care of us, providing information, guidance, and hand-holding. No sooner would we put forward a question, then we would get an answer. We always felt respected in our questions and concerns, and we managed to close in the allotted time, a whirlwind experience made do-able with Faramarz' support. Would we recommend his services to others and use the FMZ CrossCountry team again? In a heartbeat. read more

FM and his team are the best! FM handled complex VA loan transactions flawlessly! FM and Madison are very knowledgeable and professional. They patiently explained all the details. Thank you sooo much for your help, support and advise. Our dream came true because of you! read more

The worst ever mortgage company! They promise u to get u a good rate just to hook you up but at the end they provide u with the highest rate. They are not transparent and very misleading. I really regret working with them and looking into another mortgage company to change my loan. They have the worst ever rating compare to other mortgage companies. Their rating here doesn't represent who they are . They send emails begging for five star reviews!!! Do your research and stay away from this company. read more

There are good mortgage advisors and there are great mortgage advisors - and there is Faramarz - an exceptional mortgage advisor. Throughout our loan process Faramarz exceeded our expectations time and again: he was always available with guidance, advice and tips, always ready to jump in and always thinking a step ahead to avoid any obstacles or slow-downs which led us to a speedy and successful closing on our home purchase. We can't thank Faramarz and the team at CrossCountry Mortgage enough! read more

Faramarz will fight for you and give you insight into what is going on behind the scenes of the loan process. We worked together on a loan for a +$2m SFH in Lafayette. Faramarz managed the whole process and kept me updated with everything that the underwriter was throwing at us. If it wasn't for Faramarz we would have most probably lose our earnest deposits, due to technicalities that came up during the loan approval. He has a capable and dedicated team and everyone is always responsive. I will use Faramarz again in the future. read more

Faramarz and his team are amazing! I had never purchased a home before so I didn't know what to expect with the process but I felt really well taken care of every step of the way. They were great at communicating and keeping me on track with the process. I have heard nightmare stories from other people about their mortgage brokers and I am so glad that I choose Faramarz. I will definitely be using him for any future home purchases. read more

In a market where buying a home is already complex, complicated, and loaded with emotions, Faramarz (FM) and his team make the loan and mortgage portion way more user-friendly. I worked with FM for my first mortgage, and it was a no-brainer to have him do my refinance. At every step in the process, I felt informed and empowered. He was to describe all of the strange nuances in easy-to-understand language, which made me feel MUCH more confident about these big ticket decisions. And, he created a plug-and-play spreadsheet so I was able to easily get an idea of anticipated monthly costs in real-time during my shopping process. I found everyone on his team to be personable, professional, and super responsive. Highly, highly recommend! read more

Excellent service. Kind and thorough; available and fast. We had a number of unexpected twists and turns during escrow and we will closed on time. Highly recommend! read more

Had a fantastic experience with Faramarz and his team. 1. Responds very quickly each time we reached out. He did a very informative call explaining the different loan options and rates to us. 2. Works really well with our agent, Linda Elkin from Red Oak. 3. Got us 14 day closing! We really think that helped our offer selected. Whole heartedly recommend FMZ team for good rates, excellent communication, and quick closing timeline! read more

Through the scary process of purchasing a home, Faramarz was a bright light to see me through it. He took time out of his day to walk me through things on more than one occasion. Even after everything settled he still made himself available to me for questions. On top of that helpful hand, he was also more willing to work with me on my loan than others. He talked me through my options where others were unwilling. Highly recommend! read more

Faramarz and his team at CrossCountry Mortgage are awesome. We closed escrow in 14 days and are now proud homeowners of our first house! FM answered all of our questions and was patient with us throughout this process. His team also delivered the same caliber of customer service! Thank you, FM and team!:) read more

Faramarz and his team were there every step of the way - he was recommended to me by my realtor, and now I see why. Communication is prompt and reliable, much better than I assume I would get at a big bank. Everything was explained to me and all my questions were answered, which was helpful as I came in as a first-time home-buyer. read more

FM knows everything under the sun in regards to loans. He is really knowledgeable and worked to get us all the information we needed to understand things clearly and feel confident that we were going in the right direction and with the best rate. He worked double time for us and answered everything quickly. He's also just an all around nice guy and was really wonderful with work with. I highly recommend! read more

In this crazy competitive housing market, we realized we needed to have the underwriting process completed before making an offer on a house. As first-time home buyers, we had no idea how this worked. Faramarz was informative, quick to respond, professional, and down-to-earth. We had reached out to 2 mortgage brokers prior to being referred to Faramarz, both of which dropped the ball on us and never responded back while mid-process. We really appreciate Faramarz following through until escrow closed. He stayed true to his word while also being quick and efficient. It was a pleasure working with him. read more

Farmarz and the team at CrossCountry were able to handle our new home loan quickly, efficiently, and with a solid competitive rate. FM was available and communicative throughout the entire process. Jay T. from the FMZ Team went above and beyond to fully answer all of our questions, meeting in the evening, and guiding us through the process to satisfy all contract terms on time. We highly recommend Faramarz and his team from CrossCountry for your loan. read more

FM and his team worked really hard to get my mortgage loan approved they were in constant contact throughout the process. This was my first home by experience so I did not know what to expect but they made things so transparent and were so helpful I really really appreciate their assistance and would happily use them for future transactions. Thanks so much team FM read more

FMZ CrossCountry mortgage is the best team to support your mortgage program. They offer excellent customer service with clear explanations, aligning expectations, and offering a smooth closure process. My special thanks to Faramarz and Faith, you are the best. read more

Faramarz is an exceptionally gifted and talented mortgage expert. I highly recommend working with him and his team for your next mortgage -- it was an excellent experience from start to finish. The whole time, Faramarz was patient and readily available to answer our numerous questions in laymen's terms. He gave us different options to consider for our situation. Thanks to him we secured a great loan, closed escrow in 21 days, and found ourselves in our dream home. His team was amazing too -- they are all top-notch, super great at what they do, and really wonderful to work with. read more

Faramarz, Brenda, and team did a great job with our first home purchase! As any homeowner knows, the process can be stressful and overwhelming; however, the CrossCountry Mortgage crew blew our experience out of the water with great communication, knowledge, and professionalism. I only wish I could give them a 10-star rating. CCM will be our go-to for all of our lender needs. Top-notch! read more

Faramarz and his team at Cross Country did a terrific job handling our re-financing and devised a fantastic solution for our somewhat complex finance goals. He was inventive with his approach and surfaced a great option for our us. He and the Cross Country team were conscientious throughout the process with regular communications and updates. Everyone we dealt with was extremely knowledgeable and friendly. We learned of him through a referral and will absolutely pass his name along to anyone seeking a mortgage solution. read more

I have worked with Faramarz on two separate mortgages. My last expereince was a refi and I could not be happier. From first conversation Faramarz explains what is needed, follows up and does what he says he will do when he says he will do it. Great rates, clear communication, efficient closing. read more

First and foremost, Faramarz had the lowest rates. I called 11 brokers and Faramarz had the lowest rates. Period. His fees were right in line with the industry and we highly recommend him. Faramarz (aka FM) has been absolutely phenomenal to work with. We could not recommend a professional any higher. We wish we had 6 stars!   FM responded right away to our phone calls and emails. Literally, it never took him longer than 20 minutes to get back to us. Even on a Friday night or Sunday morning. This was during an extremely busy period for mortgages. Out of the 5 other agents we called on a Friday morning, only 2 got back to us at all... and they each took at least a day to respond.  But not only did FM blow the competition out of the water when it came to responsiveness, he was also extremely patient and diligent about explaining everything. We are first time homebuyers and FM walked us through our credit score (even though there was no need to do so, he just wanted us to know not only why we got the score we did but how we could continue to improve it!)  FM also has created a super user-friendly spreadsheet that he shared with us that allows us to input the purchase price and amount of money we have for a down payment and it calculates all of the "out of pocket" expenses during the month... including if you need money for PMI and/or property taxes and insurance (the spreadsheet lets you choose whether you wish to take it out monthly or not).  In summary, FM is a very kind and patient and helpful professional who will get back to you right away and answer any and all questions you have. In addition, his rates were extremely competitive. There were just two flat fees for his services, and everything else was industry standard.  We really enjoyed working with FM and wish all professionals could be like him! Fair, honest, hard-working, polite... the list goes on! read more

Where can I begin! Faramarz and his team hold a high standard for excellent service and expertise. Purchasing a home for the first time is an intimidating process, but Faramarz took more time than he probably should have walking us through the process. He provided tools that made the process very transparent and allowed us to be self-sufficient as we hunted for our dream home. I honestly had the opportunity to work with other lenders but the contrast to how organized and responsive they were in comparison was a great reminder that not all lenders are equal. If you're buying a home, do yourself a favor and get the best on your team. Start with Faramarz and you'll be on the right track. read more

A very pleasant experience. I did get to meet FMZ just before the start of the pandemic when I started looking for a house. He was crisp, informative and friendly. Preapprovals were quick when I had some unsuccessful bids. When I finally found a place that I bought, the application and closing experience was very easy and I got a great rate. I couldn't recommend Faramarz more highly. read more

FM was incredibly responsive and made sure everything went smoothly with our loan. As first time homebuyer's in the Bay Area's crazy market, it was invaluable having FM walk us through the process and help us put in offers on short notice with competitive closing times. read more

Faramarz and his entire team are amazing to work with. My husband and I felt so well cared for while working with him. He took the stress out of the home buying process and advocated for us. We cannot recommend him enough! read more

It was a great experience working with Farmaz. He was available and knowledgeable about refinancing. I highly recommend him and his team. He got us excellent rates for our jumbo loans and made the process very smooth. read more

By far the easiest refi I've ever done. They have a great web portal so uploading the requested info was very easy. Oh, and what a great rate we got. Highly recommend these guys for your mortgage needs. read more

FM and his team were excellent - very responsive and walked us through every step of the process. Their fast escrow period made our offer very competitive and we wouldn't have our dream house without them. read more

Jay and Faramarz did a great job of walking an inexperienced person through the refinance process and what can be a grueling endeavor. They went the extra mile to clear up some existing conditions on the property in question and their open communication kept things efficient and moving along. It gave me confidence I had the right people for the job. I wouldn't hesitate to recommend or use CrossCountry again! read more

As first time buyers, navigating the loan process was nerve-wracking and foreign. FMZ was there through the entire process, with email and text alerts, and phone calls when necessary. When things went wrong, he'd work to fix it. Great service! read more

Hello everyone, I am taking the time to do something that I never done beore (writing a comment on yelp), because Fm 100% deserves it. We contacted 4 different mortgage advisors before committing to one. FM was the most knowledgeable, responsive and trustworthy, 3 of the most important quality you are looking for in a mortgage advisor. After our first meeting, everything moving forward was extremely easy and understandable for people who have not that kind of expertise (I am an assistant professor in neurology at UCSF). While writing offers for houses, FM worked with us during weekend, evenings, ... he was completely dedicated and that was really reassuring having him with us at all time for a process that is complex and stressful. I am not going to enter into all the specifics of our case but I am convinced that we got the best outcome we could ever hope for. You cannot go wrong when choosing to work with FM and his team (they were as much responsive as he was). read more

Faramarz ("FM") and his team were amazing! I had to make a last minute pivot to a new lender well past my initial closing date and my agent recommended FM. Upon making the change, in less than three weeks we were closed. FM and his team were responsive, thoughtful, and communicative. Couldn't have asked for a better experience with him and the Cross Country Mortgage team! read more

Faramarz and his team were extremely helpful at every step of my home purchase journey. Once I got pre-approved, Faramarz met with me through Zoom and explained what kind of package I have been pre-approved for, what all those fees are for and how some of them calculated, etc. Everything he mentioned were on an Excel spreadsheet he tailored for my target property, so that I can play around with my offer numbers and see what my monthly payment and closing cost will be. The spreadsheet is such a wonderful tool, with which I can find the best offer I can afford to make. For each property I considered to make offer, Faramarz tailored a new sheet for me as long as I asked. Once my offer got accepted, Faramarz's team worked with me closely and explained clearly what would happen next. They answered all my questions promptly and friendly and were able to close my loan in 17 days, which was amazingly fast! I highly recommend Faramarz and his team. read more