Learning About Lending and Why It’s Still A Good Time To Buy with Janene Chernoff

In this episode, we talk about home lending, lending terms, buyer programs, and why it’s still a good time to buy a home.

Janene has over 40 years of knowledge in all areas of the mortgage business. Having spent many years on the operations side, Janene has the expertise to analyze a client’s financial situation to determine the best loan product to fit their needs. From the high-net-worth client to the first-time home buyer, Janene provides safe and sound financing solutions. As a mother and grandmother, Janene’s favorite part of her job is helping young people buy their first homes to stay in high-cost areas such as the bay area. Janene is an expert in down payment assistance programs.
Janene is NMLS licensed to lend in CA, AZ, NV, and UT. Having grown up in San Jose and lived in Morgan Hill since 1988, Janene is well known in the Bay Area. Janene received the Accredited Mortgage Banker designation in 2006 through the Mortgage Bankers Association. She graduated from the Class of 2009 Leadership Morgan Hill program. Volunteering and giving back to the local community is a passion Janene fulfills primarily through her membership with the Rotary Club of Morgan Hill since 2010.
In addition to helping clients find the best financing solutions, mentoring and helping employees meet their career goals motivates and energizes Janene. Janene has over 25 years of management and leadership experience. For the last 14 years, Janene has managed a branch of Guild Mortgage. Guild Mortgage is a nationwide direct lender established in 1960.
When not working Janene enjoys traveling and while on vacation, planning her next trip! Reading, playing with her grandchildren, dancing, and wine tasting are some of Janene’s favorite past times.

You can contact Janene Towner-Chernoff, AMB for help with:

• Pre-Qualification and Pre-Approvals
• Consultative advice when considering whether to purchase or buy
• Residential Purchase or Refinance transitions
  Guild Mortgage Company
  408-825-0250 – office
  408-835-3246
  jtowner@guildmortgage.net
  website: guildmortgage.com/janenetowner

Book / Podcast Discussed:
The Energy Bus: 10 Rules to Fuel Your Life, Work, and Team with Positive Energy by Jon Gordon – https://amzn.to/3TX62Bn

Please note that this episode may contain advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.