2125 Oak Grove Road, Suite 328
Walnut Creek, CA 94598 Mobile 925.324.4191 Tel 925.289.9770 [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
- saturday: 10:00AM – 4:00PM
- sunday: 10:00AM – 4:00PM
- First-Time Homebuyers
- Jumbo Loan
- Purchase
- Refinance
- VA Loan
- Concord, CA
- Ygnacio Valley, CA
- Walnut Creek, CA
- Martinez, CA
- Benicia, CA

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.

See What I Qualify For

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come.

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 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.

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Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line.

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Save on Your Mortgage Every Month

Say Bye-Bye PMI

Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI).

CCM Bye-Bye PMI offers qualified borrowers a conventional loan for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

Start here

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