Mortgage Planning for Divorce and Life Transitions Helping clients make confident mortgage decisions through divorce, homeownership, refinancing, and other major life changes.

Divorce Mortgage Planning

Helping you navigate mortgage decisions during divorce, including refinancing, qualifying on your own, and planning for the future.

Loan Programs

Explore various loan program options for fixed and adjustable rate mortgages.

Calculators

My mortgage calculators help you hone in on your future mortgage based on options, interest rates, and more.

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Thoughtful Mortgage Planning for Every Stage of Life

Hi, I’m Janice Nugent. I help clients make confident mortgage decisions with a focus on long-term financial goals, not just loan options.

While I work with a wide range of homebuyers and homeowners, I specialize in divorce mortgage planning and helping clients navigate mortgage decisions during divorce and other major life changes, where financing choices can have a lasting impact on financial stability and future opportunities.

With over 20 years of experience, I take a thoughtful, personalized approach to understanding each client’s situation and helping them navigate options such as refinancing after divorce, qualifying for a mortgage on their own, or planning for future homeownership with clarity and confidence.

Whether you’re buying your first home, refinancing, or working through a more complex financial situation, I’m here to help you make informed decisions every step of the way.

Most of my clients come through referrals from past clients and trusted professionals, including financial planners, attorneys, and real estate agents, who value a more strategic and collaborative approach to mortgage planning.

All Reviews

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Nora Groves

3 months ago

Janice was an incredible lender and made our first home-buying experience truly special. She was always responsive, worked late when needed, and proved to be an excellent problem solver, especially since our property was not on the Fannie Mae or Freddie Mac approved list. She went above and beyond by meeting us with her partner, George, and surprising us with a bottle of wine, and later sent a fun Marie Callender’s gift card during the holidays. Such a thoughtful touch. Thank you for everything, Janice

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sarah waddell

3 months ago

Janice was great to work with! She would always return calls or emails promptly and made the entire process so easy! I would highly recommend her for all of loan needs.

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sergio barillas

3 months ago

Kind and professional. Janice made the entire process simple.

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Laura Mathiasen

5 months ago

i don’t know what i would do without Janice’s help and expertise. She is very knowledgeable and has always helped me with every question i asked. You won’t find anyone better.

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Natalie Buyuker

7 months ago

Janice is a fantastic lender who gets the job done every time! She’s incredibly knowledgeable, patient, and responsive. As a real estate agent, having a reliable lending partner is key—and Janice consistently delivers smooth, stress-free transactions. She never skips a beat, and I’m so grateful to have her in my corner. Highly recommend!

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Rick Rucker

1 year ago

Janice was crucial in guiding me through the entire process of my home refinance, especially since I was going through a divorce at the time. This added complexities to finalizing the deal. She was incredibly patient and understanding every step of the way, showing more confidence in getting the deal done than I had myself. Janice consistently reassured me that she would handle everything needed to see it through and even went the extra mile by reaching out to my attorney. I’m not sure how many people would go above and beyond like Janice did.