I had a very satisfying experience with Cross Country Mortgage after two extremely upsetting and disappointing attempts to refinance with a bank and another mortgage firm. Faramarz led me through the process which gave me assurance that I was in good hands. We took a preliminary look at my assets which took away the threat of not qualifying. The rates had increased a bit, and Faramarz advised waiting a few days feeling they would come down to the rate that worked best for me. Sure enough when that happened I was locked in at a great rate just before a major rise occurred. It was quite easy to submit all the required docs directly to him avoiding complicated procedures the other mortgage brokers demanded. Lastly he notified me that I was conditionally approved which set my mind at ease. I would recommend Cross Country to anyone considering a mortgage refinance. read more

FM and his team were fantastic to work with on a house loan. They made the process clear and efficient, and they were really good about letting us know what was happening next so nothing was a surprise. They also followed up with helpful tips about title transfer and tax info. I'd definitely work with them again. read more

The many challenges confronting anyone who is looking to purchase or refinance a home these days can be overwhelming. Faramarz (FM) is someone that you can consider a tremendous partner in the home buying or refinance game. FM is extremely knowledgeable and is very quick to answer any questions or explain all the steps in the process. You can trust that the efforts put forth by FM will always be with your best interest in mind. Consider FM and his team your personal financial partner. I look forward to the opportunity to work with Faramarz in the future. read more

Faramarz and the rest of Faramarz's team were wonderful to work with. They were patient and answered all my questions in a timely fashion. He had good advice when it came to what homes he thought I could get a loan on and which fixers would likely not be able to get a standard loan for. Faramarz was also able to get me the best rate available when it dipped momentarily before a big rise. read more

I have known Faramarz for close to 9 years now. He helped my wife and I buy our first apartment, refinance that apartment, then buy our first home and recently refinance that home. All of the nice words that follow are true, but what better review could I give other than to say that in 9 years, we've worked with Faramarz four times and no one else. Faramarz was patient with us as first time buyers, helpful and thoughtful when we needed to refinance to get rid of the mortgage insurance payment. He is kind and engaging, always answers our questions with a depth and breadth of knowledge that make me wish I'd paid more attention in economics and finance. And then there's the work. Faramarz nails it every time, his turnaround time and communication makes what is a really stressful situation, super easy. There's never been an issue with any of our transactions and no surprises, all of which are a testament to just how awesome Faramarz is. Did I ever picture myself writing a Yelp review for a Mortgage Loan Officer? No but Faramarz inspires. read more

In the past year, I used CrossCountry Mortgage (Faramarz) 2 times. We refinanced our home and purchased a new home recently. Overall, his rates are lower than most lenders. Faramarz and his team are very fast and can close on time. I have been delighted working with this team, and I will continue using Faramarz as my number one lender option. It is not easy to please me; this team did a great job overall. I defiantly will recommend Faramarz to anyone I know. read more

Faramarz was a pleasure to work with pre, during, and post closing to make sure we were taken care of every step of the way. He was extremely responsive and accessible, provided great guidance, and helped the entire process move incredibly quickly. We were travelling during our pre-approval process and had to get things moving extremely quickly in order to be ready for our home's offer date within a very short period, and Faramarz was on top of every step without missing a single detail. Closing also went without a hitch and now we have a home that we love. Very highly recommended! read more

Faramarz (FM) helped process our re-fi and it was so seamless! He is super quick to get back to you via text, phone and email. He is also super friendly and was thorough in walking us through any questions we had a long the way. The rate he got us was best we found across major banks for jumbo loans! Would definitely recommend him for any future purchases! read more

We found Faramarz and his staff fully attentive and conscientious about keeping us informed about needed documentation and the progress of the refinance. We are very happy with the outcome. read more

I just closed my new mortgage, and I couldn't be happier. Faramarz was highly recommended so I checked his rates and he totally beat out my previous mortgage company and my previous mortgage broker. She said" I can't touch that deal, grab it if it is real". And I did and it was and I am very pleased. Faramarz and Christina (who helped with all paper work) were both available, professional, and very pleasant to work with. I am recommending him unequivocally to all my friends. read more

Faramarz and the whole CrossCountry Mortgage team are extremely prompt, responsive, helpful and most importantly: knowledgeable! We've had a few transitions with him up to this point and always feel extremely well taken-care of :) Highly highly recommended!!!! read more

Faramarz and his staff were FANTASTIC! He was recommended to me by a good friend. I'm very pleased. When I had a question, it was answered quickly and with a smile in their voice. We were kept informed about what was happening and what was going to happen. I got a very, very good rate on my new mortgage so I will be saving a lot of money. I would definitely highly recommend Faramarz and his team to anyone who wants to refinance or get a new mortgage. Anne S. read more

Faramarz is fun to work with, truly personable and most importantly knows how to get the job done no matter the roadblocks. He bent over backwards to help make my rather challenging transaction happen. His access to various sources of capital allowed me to get a tremendous rate on the purchase of my new home. I have already referred Faramarz to several friends and family members who agree! read more

Faramarz and the Commerce Home team completly blew my expectations out of the water. They had the best of all worlds - extremely competitive pricing, WAY faster than industry standard turnaround times, and they were extremely professional with their support throughout. We were able to close a two-loan situation in less than 17 days without hiccups, allowing us to drop both the loan and appraisal contingencies and make our offer more competitive. I accidentally stumbled upon Commerce as a lender and Faramarz... I wish I had found them sooner. I felt like I won the lotto. Highly recommend you jump on a call with him and decide for yourself! read more

Faramarz and team did a fantastic job. They went above and beyond to ensure that the lending process ran smoothly. They were instrumental in expediting the process. read more

The FMZ team has streamlined the loan application with their online platform and multiple ways of communicating. Everyone on the team has been friendly and thoughtful throughout the process. read more

As first time homebuyers, my husband and I leaned heavily on Faramarz and his team to help us through the financing process. Not only were they extremely responsive and communicative, but they took the time to educate us on things we didn't understand. Their guidance was invaluable, our real estate agent loved working with them, and they were always readily available. Looking forward to referring all our friends to Faramarz! read more

FM and his team were recommended by some friends. They said he was the best, and he didn't disappoint. Their website makes the process and tracking tasks easy to manage. FM was always willing to get on a call to answer questions. His team accommodated our every ask. Highly recommend. read more

Short version: Faramarz and his team gave me the OK to remove my loan contingency but then a week before closing, they bailed and left me high & dry. Faramarz was referred to me by my agent when buying my first property. We worked together for about a month or two, but mostly it was through his assistants (?) and nobody really helped guide me through the process. I didn't know what the heck I was doing, and a little bit of advice and education would have gone a long way. After I made an offer, Faramarz and his team went to work and once they had the assessment, they told me everything was good to go - I was all set to close since the loan contingency was all that I had left. I cancelled my lease, my girlfriend cancelled hers, we scheduled vacation days and movers to get into our new place, we both got rid of a bunch of furniture... we were ready to move in to our new place. But about a week before closing, informed me Faramarz that he had screwed up. And he screwed up badly. He didn't read the documents about the property closely enough and despite giving me the OK, he wouldn't be able to provide a loan on an non-warrantable condo (a condo in a complex where one entity owns more than 10%) He pretty much walked away and put in me in touch with a friend who could cover non-warrantable condos. I was still left with all of the stress of canceling movers, rescheduling vacation, oh and FINDING A PLACE TO LIVE!!! Fortunately, everything worked out, but no thanks to Faramarz. read more

Faramarz is simply great! He went above and beyond to make sure I was well educated throughout the process. He would respond to questions 24x7, whether late at night, or when on vacation or even on weekends. He kept his word and gave me the best deal out there. His team was super responsive as well. Definitely recommend him to anyone out there. He will always have your back. read more

Faramarz and his team recently helped us complete a refi on our home. We had put this off for a while because my husband had been doing freelance work for the past few years, but they helped us navigate the process and come away with a much better rate. Shout-out to Jay Trombler for never losing patience as we scrambled to find allllll the paperwork! read more

"I love working with Faramarz. He helped me refinance my home and my son and his family have used his services twice. I know that he will let me know when it makes sense to do it again. Because he is with the Bank of Commerce he is able to pull rabbits out of hats. He has worked many of with my clients ( at Red Oak Realty). He is a joy to work with especially In these trying times of new rules. He always gets back to me and my clients and clarifies what perplexes. I recommend him heartily. read more

I have used Faramarz for all my refinancing since 2014; making that a total of 4 refi's. He is hands down the easiest person to work with!! Super responsive to my calls and emails! Their dashboard makes the process so painless and efficient. He has always been upfront with me, I never felt he was scamming me which I have felt from other mortgage brokers before. When I brought up discrepancies in the estimates he quickly responds by correcting them all. Like I said- easy to work with. Highly recommend him and his team! read more

Faramarz and his team consistently provided me the best rates with a smile and excellent service. They are my go to destination for all my mortgage needs. read more

This review is for Faramarz and his amazing team! My husband and I were first time homebuyers, and were pretty nervous about the whole process. We had looked for big bank lenders at first, but Faramarz was referred to us by a friend - and we're so thankful! Faramarz and his team were so knowledgable, super responsive, and genuinely excited and happy for us when we landed our first home. We will (and have been) recommending Faramarz to all of our friends, and are forever grateful for how seamless of a process they made it. They're definitely top notch - and we will be long time customers of theirs. Highly, highly recommended! read more

FM and his colleague Jay Trombler got us a great rate and accomplished the whole thing quickly (this was a refinancing) even though COVID conditions have made certain parts of this more complicated. Everyone they put us in touch with - the title company, the AMAZING mobile notary who came to the house - was great. I was shocked at how efficient the whole process could be without stressing us out. read more

If mortgage brokers had super Hero's FM would have a huge S on his chest! To make a long story short ... He said he could close in 8 days he did ..unheard of..put Wells Fargo to shame.. And did it with precision and confidence . If You have the opportunity to use him .. Do yourself a favor use him..Just out right ask him if he can do it .. If he says yes rest assured its done. Thanks again FM I owe you one! Best Big John read more

Through, effective, on top of things. FM knows how to get things working even in a ridicules housing market. Always available when we needed him. I will be recommending him to everyone that needs a mortgage. read more

I enthusiastically recommend working with Faramarz! I worked with him most recently again to refinance my property for which he was my mortgage advisor six years ago.  Throughout the whole refinancing process he kept in touch with frequent updates on the fluctuating interest rates, gave me sound professional advice on when to close and - above all - maintained his friendly and patient demeanor. I was happy with the plan he laid out and appreciated his speed in taking action to lock in a great low rate when it presented itself. I felt well taken care of and have successfully refinanced my home. Thank you Faramarz and team!! read more

Faramarz (FMZ) is simply the best. He was recommended to us by a friend for a difficult loan. He assured us he could get it done and he delivered as promised. FMZ was at all times courteous, understanding and responsive, while leading us step by step through the process and into our new home. We would definitely work with him again. Thank you Faramarz! read more

There are plenty of people out there who will gladly take your money and sell you a mortgage. But here's the real bonus about working with Faramarz (FM): he's just a great guy to talk to. Yes he has great rates and yes he knows a ton about the different loan options available to you and yes he can answer any question you have about the process... but that's just table stakes as far as lenders are concerned. Buying a house in the Bay Area is intense, stressful, and rather unusual as far as real estate transactions are concerned (just wait until you think through what it really means to write a $1M+ "no contingencies" offer on a 100-year-old fixer-upper in an earthquake liquefaction zone). Having someone on the other end who is easy to talk with, a clear communicator, never pushy or impatient, and seems genuinely invested in helping you across the finish line is a huge advantage when you're about to make the biggest financial transaction of your life. FM is that guy. We found FM on the advice of our realtor, who recommended him because of his team's ability to move fast-- a critical quality in the hot housing market of the SF Bay Area. His team definitely delivered here, helping us get pre-approval and offer letter documents within hours of requesting them, even if that meant putting in some overtime on the weekend. We had earlier tried working with our credit union to get a loan, and while they were friendly, they did not show anything close to the hustle and sense of urgency that FM and his team brought to the process. And of course, in the end, we got our loan and closed on a house we love. Great experience, and great results... what more could you ask for? read more

I always recommend Faramarz to anyone looking for a mortgage. Responsible and attentive. He worked with me ~5 years ago to refinance like 3 times in the matter of months. Always with no closing costs, always getting good rates. I pushed on him to keep trying to get it lower, and he was game to keep working with me on it and finally got me the best rate (at the time). Now he's doing magic for me again! It's a complicated process but he makes it easy. read more

Faramarz was great. I wasn't used to how things work here in California. He explained everything, stayed in excellent communication and worked hard to make it happen, even working on a Sunday in order to get it done. I recommend him without hesitation. read more

Faramarz helped us a lot with our loan. He is very knowledgeable and an expert in his field. He walked us through the loan process step by step and explained whatever we needed to know about the market, rates, closing, etc. He is very friendly and warm, and makes sure clients understand what's going on throughout the process. I'd recommend Faramarz if you have any loan needs. read more

Faramarz and his team were amazing. First time homebuyers, he was recommended by our realtor. We still shopped around, of course. But one thing that absolutely no one else had was the kind of transparency and communication that Faramrz offered from day 1. We knew and accounted for every single expense that was on the horizon. And a few credits, too! I would definitely do it over again with Faramarz. I can't imagine working with any one else. Thank you Faramarz, we love our house!!! read more

Faramarz is extremely helpful in organizing the process. I have had other lenders in the past and did not like their communication and document handling system at all. When I switched to Faramarz all documents were organized and listed and made the process much smoother! He even sent a few "housewarming" gift once I moved! I couldn't have had better experiences. Faramarz contacted ME when he saw a better rate and gave me options (always including a no cost option) and again made the process as easy as possible. I hate dealing with this kind of stuff but if I have to - Faramarz is definitely the way to go. For reference I live in southern california and would always go with Faramarz as long as he's an option to fund me! He's a pleasure to know and work with read more

He and his crew did excellent and quick work. They responded timely and were thorough and patient with my questions and concerns.

I had a wonderful experience with Faramarz in getting a mortgage for my first place. Even though we started the process rather it, it was flawless and he helped me every step of the way. Highgly recommended! read more

This winter we moved back into our own home after eight years of renting it out. We needed to change our mortgage from a rental property to an owner property and were hoping to take advantage of the currently low interest rates. We began working with our previous mortgage broker. The process was frustrating-- it was taking really long, and it seemed our broker wasn't really paying attention. Out of this frustration, we called Faramarz. Night and day difference. He always responded immediately, we felt confident that he was totally on top of things. He helped us find a loan with excellent rates in record time, and secured a credit for us that lowered our closing costs by several thousand dollars. He even took care of a last minute hiccup (due to my error) within 24 hours. We're very grateful to Faramarz and his excellent team! read more

I closed on a house last week with the help of Faramarz. I can't emphasize enough how helpful and critical he was to my home buying process. I found Faramarz less then a week before offers were due on a home I was interested in, and he gave me immediate attention, starting collection and processing of loan documents immediately. In just under a week, He was able to give me loan approval (not pre-approval, full approval) - so I could remove the loan contingency from my offer and better my chances. As it turned out, there were 5 other offers on the same house - but the seller chose us, in large part due to the quick close we offered by having no loan contingency. Somehow Faramarz managed a rare TWO WEEK close on an FHA loan Allowing us to close and move in for Memorial Day weekend, and giving us an extra holiday day off work to settle in. I am one of those people with a ton of annoying questions, and probably was overly involved in the process - but Faramarz was 100% patient with me, always light hearted with a good sense of humor, and always available to explain anything I was confused about. The home buying process will never be anxiety free, but having a great loan agent eased stress as much as was possible throughout the process. read more