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

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Each client's unique experience has guided me to learn in order to help others.

Loan Programs

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

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

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Your Path to Homeownership Starts Here

Hi there, I'm Janice Nugent, your trusted mortgage planning specialist here to guide you every step of the way. With over 20 years of experience in the Bay Area, I know this real estate market inside and out. My expertise comes from working closely with clients like you to understand your unique goals and create customized financing solutions.

I’m proud to say I work primarily on introductions from my family of clients. By building strong relationships grounded in trust and personalized care, I’ve helped many families realize the dream of homeownership. When you work with me, you become a part of my family.

My process is straightforward and hassle-free. I take the time to get to know what is important to you, assess your financial situation, and present mortgage options tailored to your needs. Whether you’re looking to buy your first home, move up to a larger house, invest in rental property, or refinance, I’m here to simplify the process and educate along the way.

With access to a wide range of loan programs, I empower you to make informed decisions that align with your aspirations. My responsive team and I oversee each detail from start to finish, providing clarity and confidence each step of the way.

I’m committed to making your home buying journey an exciting, fulfilling experience. Don't go it alone - let's connect today to start mapping out your personalized path to homeownership!

All Reviews

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5.0

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.