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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.

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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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4.68 out of 5.0 stars
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!
Rich T
Jan 13, 2023

Janene is extremely knowledgeable and helpful with the home loan process. With 30+ years of experience in the mortgage industry, Janene clearly explains all the steps and options and will patiently work with you find the best solution for your needs.
Feb 17, 2023

Thank you for your excellent service!!!
Feb 17, 2023

Janene is FANTASTIC. The Guild process is easy to use safe and straight forward. We experienced several personal road bumps during our loan process and Janene was always quick to respond giving us options and help steer us to the correct decision. She really knows her industry and we would consider her a real pro.
Feb 17, 2023

Janene Lisa and Gelda were FANTASTIC! Their promise to close in 21 days was key to getting my offer accepted and they nailed the deadline. They were so informative and supportive throughout the process. Could not have asked for more!
Feb 17, 2023

Janene is amazing!! I could not have imagined working with another lender. She is super professional but also very friendly and easy to talk to. As a first time home buyer everything was new to me and she took her time to make sure I was comfortable with every little thing every step of the way. I actually contacted Janene about a year before purchasing my home for information and financial advice in regards to purchasing a home so my experience was truly full circle. I look forward to working with Janene in the future again and will recommend Guild to all my friends and family :).

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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.# 287633; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; NV Mortgage Company #1141;