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Janene Towner Chernoff

Sales Manager

155 East Main Avenue, Suite 170, Morgan Hill, CA 95037
Own what matters

About Me

With over 35 years in the mortgage business I have the knowledge and expertise to assist you with your home loan financing. Whether it's your first home purchase or a refinance, I am honored to help you qualify for the best home loan that meets your needs. Guild Mortgage and my team provide quick, stellar service to make the loan process easy. Thank you for your interest in Guild Mortgage Company.

Morgan Hill resident since 1988
Accredited Mortgage Professional - Mortgage Bankers Association 2006
Leadership Morgan Hill Graduate 2009
Active member of Rotary Club of Morgan Hill since 2010

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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4.97 out of 5.0 stars
Aug 24, 2023

Janene is the most knowledgeable, professional, patient and KIND lender I've worked with in my 10 years in the business. She is wonderful with first time home buyers all the way to savvy investors. Janene can do it all including the fact that she has done my own home mortgage! Truly a trusted colleague and my go-to recommendation for home buyers.
Aug 21, 2023

Everyone was great at communicating next steps and keeping us in the loop. We were never in the dark about what was going on.
Aug 17, 2023

Janene has been an outstanding resource not only in our own personal home buying experiences, but key to helping us with our clients and family members make better decisions and purchase decisions. She is a true professional with a wealth of experience and insight to help first time home buyers and seasoned pros at every step in the process. She keeps herself abreast of industry trends and changes, and is creative when it comes to finding solutions- it's one of the many reason why we had her on our podcast to share her wisdom and insights.
Jori M
Jun 27, 2023

Janene is very knowledgeable and amazing to work with. She is thorough, and always quick to respond. Highly recommend.
Jun 26, 2023

Janene is always quick to respond, knowledgeable and if there's a solution to a problem - she will find it! Highly recommend.
Robin P
Jan 13, 2023

Janene is an excellent loan officer. Prompt and responsive, Her years of experience are invaluable! She saved us time and money!! I would highly recommend her and her team. Loans can be confusing enough, but with the help of an expert, it makes all the difference!

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NMLS ID #287633
I am authorized to do business in the states of Arizona, California, Idaho, Nevada and Utah. AZ BK#0018883; AZ BKBR# 1007114; AZ LO Lic.# 1039711; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; NV Mortgage Company #1141;