Southern California Home Lending
Your First Home Starts Here
No confusing jargon. No runaround. Just honest guidance from a lender who's helped hundreds of Southern California families buy their first home.
Find the Right Loan for You
Every buyer's situation is different. Here are the most common loan types I work with — and plain-English explanations of what they mean for you.
FHA Loans
Great for first-time buyers with smaller down payments. FHA loans require as little as 3.5% down and are more flexible on credit scores.
Learn more →Conventional Loans
If you have solid credit and a stable income, a conventional loan often means lower long-term costs and no mortgage insurance once you hit 20% equity.
Learn more →Down Payment Assistance
California has programs that can help cover your down payment — sometimes up to $150,000. You may qualify even if you think you don't.
Learn more →VA Loans
If you've served in the military, VA loans offer zero down payment and no private mortgage insurance. One of the best benefits available.
Learn more →How It Works
Three straightforward steps from first conversation to closing day.
We Talk
A free 30-minute call to understand your situation, your goals, and what you can realistically afford. No pressure, no sales pitch.
We Plan
I'll walk you through your loan options in plain English, run the numbers, and help you choose the path that makes the most sense for you.
You Close
I handle the paperwork and keep you informed every step of the way. Most of my clients close in 30 days or less.
What First-Time Buyers Say
"Janet made the whole process feel manageable. I had no idea what I was doing and she walked me through every single step without making me feel dumb."
Maria G.
Bought in Riverside, CA
"I almost gave up on buying because I thought I didn't have enough saved. Janet found a down payment assistance program I didn't know existed. We closed in 28 days."
Derek & Alicia T.
Bought in San Bernardino, CA
"Straightforward, responsive, and genuinely cares. I've already referred two friends to her."
Priya S.
Bought in Temecula, CA
Ready to Find Out What You Qualify For?
It starts with a conversation. No commitment, no cost — just honest answers.
Free consultation. No commitment.