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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
- saturday: 10:00AM – 4:00PM
- sunday: 10:00AM – 4:00PM
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Your Local CrossCountry Mortgage Loan Officer
Arlo Zoerner
- Originating Branch Manager
- Walnut Creek, CA Mortgage Loan Officer
- NMLS # 293974
I’ll be with you every step of the way
Hi, I’m Arlo Zoerner, a loan officer in Walnut Creek, CA, serving homebuyers, investors and real estate agent partners throughout the East Bay, Contra Costa County, San Francisco Bay Area and all of CA, CO, NV, TN and WA. I joined CrossCountry Mortgage in 2021 and have been a top-producing loan officer since entering the mortgage industry in 2002.
At America’s #1 Retail Mortgage Lender, I specialize in conventional, jumbo, FHA, VA, bridge loans, investment property financing, first-time homebuyer programs and creative mortgage solutions. My team and I focus on clear communication, strategic advice, reliable pre-approvals and helping clients find the right financing for a purchase or refinance. I provide the same high level of service regardless of transaction size and am always a phone call away.
When I’m not helping clients with home financing, you’ll usually find me mountain biking, snowboarding or spending time with my wife, Christy, and our two daughters.
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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.
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.