Prepared. Trusted. Proven.
Your Home Journey, Handled with Care
FMZ delivers clarity and certainty in life's biggest financial moments. We don't sell loans. We build lasting partnerships.
300+ Reviews
$1.5B+ Funded
20+ Years Experience
Why FMZ
The FMZ Difference
We deliver clarity and certainty in life's biggest financial moments.
Underwriting-First
We review your financials before you shop, so you make offers with absolute confidence.
Certainty at Closing
No surprises, no delays. Our process is designed for smooth, on-time closings.
Long-Term Relationship
From your first home to your forever home, we're here for every chapter of your journey.
Who We Serve
Built for Borrowers & Partners
Whether you're buying your first home or refinancing for the future, FMZ is designed to make you feel confident and prepared.
Get Offer-Ready™
Homebuyers
Feel confident making offers with our underwriting-first approach. No more surprises at closing.
- Offer-Ready™ preapproval
- Confidence by Design™ process
- Value for Life™ support
Preapproval. Handled.™
Realtors Partners
Protect your reputation with a lending partner who communicates reliably and closes on time.
- Offer Advantage™ support
- Confident Closings™ guarantee
- Invested in You™ partnership
Testimonials
Stories from Our Partners
Real experiences from homebuyers and Realtors who trust FMZ.
"The FMZ team is fantastic. Faramarz has something very important that most borrowers do not even know that they need in a lender - a deep understanding of market dynamics. He is superb at advising on what sort of loan option to take, and when to lock a rate. Thanks to his deep understanding of the underwriting process, I have seen him save many deals that other lenders could not complete."
Ehsan Habib
Real Estate Broker
"Faramarz and his team did an excellent job from start to finish. Super smart, competent and helpful. Buying a new house is an overwhelming process, and particularly complex in our case since we have another property that needs to be sold but would have been at a big disadvantage if we had needed to make the offer contingent on the sale of our condo. But Faramarz helped us to find a way to make it work so we could get the offer out - and just in time, as apparently there was another offer on the way over at the time we submitted ours. It's a joy to work with competent people who know how to make things happen. I absolutely will recommend Faramarz to any friends or family who might be looking to buy or refinance in the future."
Deborah Sloan
Homebuyer
"Faramarz and his team take good care of our clients. They take the time to lay out multiple options to find one within the client's comfort zone. They clearly explain the process up front, are always available to answer questions and explain the next step, and they deliver on what is promised, which is often what gets our clients' offers accepted. They are terrific partners!"
Eve Levine
Real Estate Broker
The FMZ Team at FMZ Loans is consistently ranked among the top mortgage teams in the nation, known for their exceptional service, innovative strategies, and unwavering commitment to the real estate community. The FMZ Team has remained a leading force in home financing across California, helping hundreds of buyers secure homes in even the most competitive markets. With decades of combined experience and a specialized focus on the purchase market, the team partners closely with real estate agents to ensure their clients not only qualify—but win. The FMZ Team’s forward-thinking approach, speed, and precision have led to countless accepted offers in multiple-offer scenarios, setting a new standard for success in today’s real estate landscape. For agents who work with the FMZ Team, winning isn’t just a possibility—it’s the expectation.
Voted #1 Lending Team in the East Bay
5 Years Running
*2021–2026, based on Oakland Magazine (OaklandMagazine.com)
Ready to Feel Prepared?
Whether you're buying your first home or building your real estate business, FMZ is here to guide you with clarity, certainty, and care.
