--- canonical_url: https://lendb.ai/lo/jan-chase-charifa-1108326 json_url: https://lendb.ai/lo/jan-chase-charifa-1108326.json nmls_id: 1108326 last_verified: 2026-10-24 --- # JanChase Charifa Loan officer at InstaMortgage Inc., San Jose, CA. NMLS ID 1108326 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1108326)). 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. **Summary:** JanChase Charifa (NMLS 1108326) is a loan officer at InstaMortgage Inc., based in San Jose, CA. Licensed in 2 states confirmed with state regulators: Texas and California. Focus areas shown on the lender page: 2 to 4 unit property and Vacation home. Earliest state license record: March 6, 2014 (California), per state regulator. Last verified 2026-10-24. ## Quick answers ### Is JanChase licensed in California? 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. Source: https://dfpi.ca.gov/. ### Does JanChase work on 2 to 4 unit property loans? JanChase's profile lists 2 to 4 unit property as a focus (from their lender profile page). It also lists vacation home. Source: https://instamortgage.com/loan-officer/janchase-charifa/. ### What lender does JanChase work for, and is it FHA-approved? 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). Source: https://instamortgage.com/loan-officer/janchase-charifa/. ### How long has JanChase been licensed? 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. Source: https://dfpi.ca.gov/. ## At a glance - Earliest state license record: March 6, 2014 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Jan-Chase R. Charifa (CA, TX, as of 2026-10-22) - Licensed in: Texas (TX, confirmed), California (CA DFPI, confirmed) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer. - Languages: not listed (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **2 to 4 unit property** (`multi-family-2-4`): from their lender profile page, confidence 0.70, verified 2026-10-21. Source: https://instamortgage.com/loan-officer/janchase-charifa/ - **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.50, verified 2026-10-21. Source: https://instamortgage.com/loan-officer/janchase-charifa/ ## About 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: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: since 2013. Source: https://instamortgage.com/loan-officer/janchase-charifa/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | TX | Texas regulator | state_license | n/a | active | confirmed | 2021-05-13 | state_regulator | 2026-10-13 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DBO1108326 | active | confirmed | 2014-03-06 | state_regulator | 2026-10-24 | ## Employment history - ? to present: InstaMortgage Inc. (NMLS 1035734), San Jose, CA. Source: https://instamortgage.com/loan-officer/janchase-charifa/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1108326 ## Contact - View profile at InstaMortgage Inc.: https://instamortgage.com/loan-officer/janchase-charifa/ - Email on file: shown at https://lendb.ai/lo/jan-chase-charifa-1108326#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1108326 - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://instamortgage.com/loan-officer/janchase-charifa/ - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: JanChase Charifa (NMLS 1108326), InstaMortgage Inc.. LenDb.ai, https://lendb.ai/lo/jan-chase-charifa-1108326, last verified 2026-10-24. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._