Contact Me
hero image
Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

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

Read Blog

Meet my team

Team Logo

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.

Product Info

homebot-logo

home equity insights

For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.

X
X

Testimonials

Testimonials
4.92 out of 5.0 stars
5.0
4.97
4.73
Adrianne
May 02, 2025
Verified

Janene is a focused professional working on our mortgage. She consistently answered all our calls, questions and concerns. She is efficient and resourceful, seasoned in working with others who produce efficient, professional work. We highly recommend you consider her for your mortgage needs as you search potential agents!
Regina
Apr 28, 2025
Morgan Hill, CA
Verified

Janene and team are quick to respond and easy to work with.
Paulos
Mar 31, 2025
San Jose, CA
Verified

I have no words how I apreciate Janene's and her team support during this long and exhusting process. They were very professional and supportive of my plan in purchasing my first new home. Janene always answered my calls or return them quickly when I had questions or needed more info. She guided me in choosing the best option in the loan process. Again, Janene is an excellent loan officer, and I will defnitely recommend her to friends and family in the future.
Alfred
Feb 26, 2025
Verified

Janene has been on top of the process of applying for a reverse mortgage for our home. We are confident we will complete the process in due time. Janene is patient with my response time of my inputs. Thank you, Janene. Thankful that Jeff Di recommended you to us.
Jori
Jan 21, 2025
Morgan Hill, CA
Verified

Janene is adept at finding solutions and tailoring to any clients needs. She explains concepts in a way that makes sense to people and she is proactive about communicating updates and key points. I know my clients are always in good hands with Janene Towner-Chernoff and Guild Mortgage and I highly recommend Janene to anyone looking to begin the preapproval process to purchase a home.
Katie W
Jan 22, 2025
Verified

Janene was recommended by Jori Mayer, Coldwell Banker Realty, and from our first conversation I knew why. Janene is knowledgeable and explained each step in a clear and concise way. She answered all my questions and even ran through a few scenarios that allowed me to make the best decision for myself and my family. I greatly appreciate the time and effort she took to make this a great experience.

Video gallery

View More

Awards

Causes & Memberships

member of Guild Giving
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;