{
  "canonical_url": "https://lendb.ai/lo/jan-chase-charifa-1108326",
  "lede": {
    "text": "Based in San Jose, California, JanChase Charifa (NMLS 1108326) is a mortgage loan officer at InstaMortgage Inc., licensed in California since 2014 and in Texas. JanChase's focus, from their own profile, includes 2 to 4 unit property and vacation home, and JanChase works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is JanChase licensed in California?",
      "a": "Yes. California regulator records list license CA-DBO1108326 as active, first effective March 6, 2014 (verified 2026-10-24). LenDb has 1 other state on file for JanChase.",
      "fields": [
        "licenses"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    },
    {
      "q": "Does JanChase work on 2 to 4 unit property loans?",
      "a": "JanChase's profile lists 2 to 4 unit property as a focus (from their lender profile page). It also lists vacation home.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
      "verified_at": "2026-10-21"
    },
    {
      "q": "What lender does JanChase work for, and is it FHA-approved?",
      "a": "InstaMortgage Inc., company NMLS 1035734, from the San Jose, CA office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has JanChase been licensed?",
      "a": "The earliest state license record LenDb holds for JanChase is from March 6, 2014 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 1108326,
    "slug": "jan-chase-charifa-1108326",
    "canonical_url": "https://lendb.ai/lo/jan-chase-charifa-1108326",
    "md_url": "https://lendb.ai/lo/jan-chase-charifa-1108326.md",
    "json_url": "https://lendb.ai/lo/jan-chase-charifa-1108326.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1108326",
    "full_name": {
      "value": "JanChase Charifa",
      "source": "state_regulator",
      "source_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
      "verified_at": "2026-10-15"
    },
    "first_name": "JanChase",
    "last_name": "Charifa",
    "licensed_names": [
      {
        "name": "Jan-Chase Charifa",
        "name_with_middle_initial": "Jan-Chase R. Charifa",
        "first_name": "Jan-Chase",
        "middle_initial": "R",
        "last_name": "Charifa",
        "states": [
          "CA",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://instamortgage.com/wp-content/uploads/2023/05/Chase-1.webp",
      "source": "state_regulator",
      "source_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "JanChase Charifa has been in the mortgage industry since 2013. They say they have specialized in investment rentals, including multifamily and short term rentals.",
      "source": "state_regulator",
      "source_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
      "verified_at": "2026-10-15"
    },
    "title": null,
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 1035734,
      "lender_name": "InstaMortgage Inc.",
      "lender_slug": "instamortgage-inc-1035734",
      "branch_city": "San Jose",
      "branch_state": "CA",
      "branch_zip": "95117",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1035734,
        "lender_name": "InstaMortgage Inc.",
        "lender_slug": "instamortgage-inc-1035734",
        "branch_city": "San Jose",
        "branch_state": "CA",
        "branch_zip": "95117",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2021-05-13",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DBO1108326",
        "status": "active",
        "issued_at": "2014-03-06",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      }
    ],
    "specialties": [
      {
        "slug": "multi-family-2-4",
        "label": "2 to 4 unit property",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
        "verified_at": "2026-10-21"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
        "verified_at": "2026-10-21"
      }
    ],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2013",
        "source": "lender_site",
        "source_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-24",
    "updated_at": "2026-10-24 19:28:56.294761+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jan-chase-charifa-1108326#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://instamortgage.com/loan-officer/janchase-charifa/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2014-03-06",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2014,
      "state": "CA"
    },
    "federal_registration": null
  }
}