Janice Nugent

About Janice Nugent

With over 20 years in lending, I’ve learned that a mortgage is never just about the loan—it’s about confidence, understanding, and the long-term goals behind the decision. As a Certified Mortgage Planning Specialist™ (CMPS®) and Certified Divorce Lending Professional (CDLP®), I help clients see how financing fits into the bigger picture of their financial life.I work with families, first-time buyers, and divorcing homeowners who want more than rates and programs. Together, we look at how a mortgage impacts cash flow, retirement planning, tax strategy, long-term real estate goals, and major life transitions—so the mortgage becomes a tool that supports stability, not stress.I also partner closely with financial planners, CPAs, attorneys, and realtors to make sure every lending decision aligns across all areas of a client’s life. My approach is both strategic and collaborative—helping people navigate situations that often feel complex, whether it’s structuring a purchase for long-term security or ensuring a marital settlement agreement fits within lending guidelines.Relationships are at the heart of my work. Clients don’t just complete a loan with me—they become part of my family of clients. Clients return to me for refinances and future purchases because they value the guidance and support they receive—and they introduce me to the people they care about most for the same reason.If you’re looking for a mortgage professional who brings experience, strategy, and genuine care to the process—along with the clarity you need to make confident decisions—I’d be happy to start a conversation.NMLS #289353 — Licensed to originate mortgage loans in California.

Experience

1. Certified Mortgage Planning Specialist

   Compass Mortgage Advisors

   Aug 2016 — Present · Walnut Creek, CA, US

   I have become a Certified Mortgage Planner Specialist in order to help every client achieve financial freedom, build wealth, and experience their life dreams by implementing intelligent mortgage, cash flow, and home equity strategies. I am a strategic resource to homeowners, first-time home buyers, move-up home buyers, senior citizens, real estate investors, Realtors, builders, attorneys, CPAs and financial advisors.

Education

• Saint Mary's College of California

  Bachelor's degree

  2002 — 2004

Skills

• Loan Origination
• Sellers
• Refinance
• First Time Home Buyers
• Government Loans
• Mortgage Lending
• U.s. Federal Housing Authority (Fha)
• Residential Mortgages
• Investors
• Mortgage Industry
• Va Loans
• Fha Financing
• Working with First-Time Home Buyers
• Credit
• Reverse Mortgages
• Va
• Referrals
• Fha
• Usda
• Certified Mortgage Planning
• Non-Conforming
• Loans
• Mortgage
• Mortgage Banking
• Finance
• Real Estate Financing