Get a home loan with speed, clarity, and a local expert in your corner.
Whether you’re looking to buy, refinance, use your VA eligibility, or explore a reverse mortgage, Janomi Lending guides you every step of the way – with real answers, not call-center scripts.
Company NMLS #2395956
Serving homeowners across California
See how much you could qualify for in 60 seconds.
No obligation. Just a quick snapshot of your options with a local loan expert.
How we get you from “curious” to “clear to close.”
We keep the process simple, transparent, and personal – so you always know what’s happening and what comes next.
Tell us your goals: buying, refinancing, VA, or reverse mortgage. We review your situation and give you an honest idea of what’s possible.
We walk you through payment estimates, closing costs, and timelines – so you can compare options and choose what fits your life and budget.
Once you’re ready, we handle the details and keep you updated at every step until the loan closes.
Loan programs designed around real life.
From first-time buyers to retirees tapping home equity, we help you match the right loan to your goals – not the other way around.
Get pre-approved fast so you can shop with confidence and make stronger offers in a competitive market.
Talk about home purchase loans →Lower your payment, shorten your term, or pull cash out for renovations, debt consolidation, or other goals.
Explore refinance options →Use your VA benefits to buy or refinance with favorable terms, flexible guidelines, and little to no down payment.
Check VA eligibility →Explore how a reverse mortgage can unlock your home equity to support retirement while staying in your home.
Request a reverse analysis →Borrowers like you say it best.
We build our business on relationships, not one-time transactions. Here’s what some of our clients have shared about working with us.
“Wichai walked us through every step, explained all of our options, and helped us feel confident about buying our first home. The communication was amazing from start to finish.”
“We refinanced to lower our payment and pay off debt. Janomi Lending made the process smooth and fast – and we knew exactly what to expect.”
Run the numbers before you make a move.
Use these tools to estimate payments and savings – then schedule a quick call so we can fine-tune the numbers for your exact situation.
Mortgage Payment Calculator
Estimate your monthly payment based on price, down payment, interest rate, and taxes.
Refinance Savings Estimator
See how much you might save each month by refinancing your current mortgage.
How Much Home Can I Afford?
Get a quick idea of what price range might fit your budget before you start shopping.
Get a personalized estimateGuides & resources for confident decisions.
Simple, plain-English guides to help you understand your options before you apply.
First-Time Homebuyer Checklist
Learn what lenders look for, what documents you’ll need, and how to avoid common mistakes.
Refinance Roadmap
Understand when refinancing makes sense, how much you might save, and what to expect from the process.
VA Loan & Reverse Mortgage Basics
See how VA and reverse mortgages work, who qualifies, and what questions to ask.
Let’s talk about your home loan options.
Share a few details and we’ll reach out to schedule a quick call – no pressure, just straight answers.