Hi, I’m Janice Nugent, a Certified Mortgage Planning Specialist (CMPS®) and Certified Divorce Lending Professional (CDLP®) with over 20 years of experience helping clients make confident mortgage decisions.
I specialize in mortgage planning, working with homebuyers, homeowners, and families at all stages of life to develop thoughtful, strategic approaches to financing, not just securing a loan.
While I have extensive experience helping clients navigate major life transitions, including divorce, my focus is always on the bigger picture. A mortgage is never just about the loan, it’s about how that decision impacts cash flow, long-term financial goals, and overall stability.
Through a mortgage planning approach, I help you understand your options, align your financing strategy with your broader financial goals, and move forward with clarity and confidence.
I also collaborate closely with financial planners, CPAs, attorneys, and other professionals to ensure each decision supports your full financial and legal strategy.
If you’re looking for clear, strategic mortgage planning guidance, I’d be happy to start a conversation.
NMLS #289353, licensed in California.
Compass Mortgage Advisors
Licensed Mortgage Loan Originator, NMLS #289353 / BRE #01353236
