Loans By Janet

Home
United States
Irvine, CA
Loans By Janet

🏡 Real Estate Financing
💁🏻‍♀️ Se Habla Español

NMLS 341401 | NMLS 1647915 | DRE 01416235
(2)

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. As always, you may contact me anytime by phone or email for personalized service and expert advice.

12/31/2025

2025 wasn’t perfect… but it was real.

Some days everything clicked, others reminded me that growth doesn’t always look pretty — but it’s always worth it.

From first-time buyers taking their first leap to families finally getting the keys they’ve waited years for… this year was full of lessons, late nights, and small victories that meant everything.

I’m so grateful for every client, every referral, and every person who believed in me along the way.

Here’s to 2026 — new stories, new homes, and new beginnings 🫶

Happy New Year!!🥳🎉

— Janet Santellano, your go-to mortgage advisor💖

#2026 NewYearsEve

12/25/2025

MERRY CHRISTMAS!⛄️♥️🎅🎄
From our cozy corner to yours, sending you waves of peace, heaps of laughter, and the warmest Christmas blessings! May your home be filled with all the magic and love this season holds!

11/27/2025

Happy Thanksgiving to you and your family. May your plates be abundant and your day filled with joy. 🧡

09/18/2025

Imagine this: you’ve packed the boxes, ordered the movers, even picked out the first meal you’ll cook in your new kitchen … and then the call comes: your loan didn’t close.

It happens more often than you’d think, but here’s why—and what you can do about it:

✔️ Credit score changes — Opening a new credit card or financing furniture right before closing can drop your score. Solution: Keep your credit activity quiet until after the keys are in your hand.

✔️ Employment shifts — Switching jobs or reducing hours can raise red flags. Solution: If you’re planning a change, talk to your lender first. Timing is everything.

✔️ Big bank deposits — Large, unexplained deposits can stall underwriting. Solution: Keep a clear paper trail and always check before moving money.

✔️ Appraisal issues — If the property doesn’t appraise for the purchase price, financing can fall apart. Solution: Have your Realtor + broker strategize on renegotiating or exploring other loan options quickly.

The good news? With the right game plan (and a calm, proactive mortgage pro in your corner 👋), most of these can be fixed—or avoided altogether.

💬 Have questions? Drop them below or send me a DM—I’ll walk you through what to expect so you don’t end up blindsided at the finish line.

— Janet, proudly serving you as your friendly, mortgage broker

08/08/2025

It’s not just walls and windows.
It’s the first cup of coffee in your favorite mug.
The sound of laughter echoing down the hallway.
That deep sigh of relief when you walk through the door and you just know… this is it.

Because a house becomes a home when your dreams find their address.
And helping people finance that dream—turning “maybe someday” into “we’re moving in”? That’s what makes this job so special.

— Janet, proudly serving you as your friendly, local mortgage pro

05/19/2025

CAN YOU BUY A HOME IF YOU'RE UNEMPLOYED?

Most people think you need a 9-to-5 paycheck to qualify for a mortgage.

But here’s the thing no one really talks about:
Employment isn’t the only path to homeownership.

When lenders look at an application, they’re not just asking “Where do you work?” — they’re asking “Can you make the payments?”

If you have consistent income from retirement funds, disability benefits, SSI, a trust, or another reliable source, you could absolutely still qualify for a mortgage.

Sure, the paperwork might be a little heavier (thank you, underwriting 😅), but the opportunity is still there.

No job? No problem — as long as you can prove stability.

If this sounds like your situation, or if you’re unsure how to present your income to lenders, let’s connect. Comment ‘GUIDE’ I’ll guide you through what’s needed to keep your homebuying journey moving forward

❤️ Save this post for later & share with someone you know who needs to see this.

— Janet, making home loans feel possible.

#]Mortgage

05/11/2025

Happy Mother's Day to all the amazing mothers both near and far. Enjoy your special day!!🎉💐💐

04/20/2025

HAPPY EASTER 💐
Wishing you and your loved ones a wonderful Easter Sunday. Enjoy!💓💕

04/09/2025

AM I READY TO MOVE?

Let’s be real—moving isn’t just about packing boxes.
It’s a financial glow-up moment.

Because the truth is, a smooth move starts way before the U-Haul pulls up.
It starts with knowing your numbers, prepping your credit, and budgeting for all the “oh crap” moments (yes, even the curtain rods you forgot you’d need 🪟).

Whether you’re 2 weeks out or just playing with the idea, I’ll help you map it out step-by-step—no surprises, no stress.

Drop a 🏡 in the comments, and I’ll send you an invite to a 10-minute strategy call to help you stay ahead in today’s market & answer your biggest home financing questions!

— Janet, an expert mortgage advisor helping clients navigate the mortgage process with clarity, confidence, and strategy.

Address

Irvine, CA

Telephone

+16265140344

Website

http://loansbyjanet.com/

Alerts

Be the first to know and let us send you an email when Loans By Janet posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Loans By Janet:

Shortcuts

Want your business to be the top-listed Finance Company in Irvine?