---
canonical_url: https://lendb.ai/lo/janene-towner-chernoff-287633
json_url: https://lendb.ai/lo/janene-towner-chernoff-287633.json
nmls_id: 287633
last_verified: 2026-10-09
---

# Janene Towner Chernoff

Sales Manager at Guild Mortgage, Morgan Hill, CA. NMLS ID 287633 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/287633)).

**Summary:** Janene Towner Chernoff (NMLS 287633) is Sales Manager at Guild Mortgage, based in Morgan Hill, CA. Lists Arizona, California and Nevada on the lender page (not yet checked with the state regulator). States 35 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 35 (source: https://branches.guildmortgage.com/ca/morganhill/janene-towner-chernoff-826-mejt.html, verified 2026-10-09)
- Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported), Nevada (NV, lender_reported)
- 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
- Profile: unclaimed
- Status: active

## Specialties


## About

With over 35 years in the mortgage business, Janene brings extensive expertise in home loan financing for first-time buyers and refinances. Morgan Hill resident since 1988, serving the area with stellar service.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 35. Source: https://branches.guildmortgage.com/ca/morganhill/janene-towner-chernoff-826-mejt.html, verified 2026-10-09.
- credential: Accredited Mortgage Professional - Mortgage Bankers Association. Source: https://branches.guildmortgage.com/ca/morganhill/janene-towner-chernoff-826-mejt.html, verified 2026-10-09.
- credential: Leadership Morgan Hill Graduate. Source: https://branches.guildmortgage.com/ca/morganhill/janene-towner-chernoff-826-mejt.html, verified 2026-10-09.
- community: Active member of Rotary Club of Morgan Hill since 2010. Source: https://branches.guildmortgage.com/ca/morganhill/janene-towner-chernoff-826-mejt.html, verified 2026-10-09.
- service_area: Morgan Hill, CA (resident since 1988). Source: https://branches.guildmortgage.com/ca/morganhill/janene-towner-chernoff-826-mejt.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Morgan Hill, CA. Source: https://branches.guildmortgage.com/ca/morganhill/janene-towner-chernoff-826-mejt.html, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/287633

## Contact

- linkedin_url: https://www.linkedin.com/in/janene-towner-chernoff-2940997/ (source: lender_site, verified 2026-10-09)
- View profile at Guild Mortgage: https://branches.guildmortgage.com/ca/morganhill/janene-towner-chernoff-826-mejt.html
- Office phone and Email on file: shown at https://lendb.ai/lo/janene-towner-chernoff-287633#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/287633
- lender_site: https://branches.guildmortgage.com/ca/morganhill/janene-towner-chernoff-826-mejt.html

Cite as: Janene Towner Chernoff (NMLS 287633), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/janene-towner-chernoff-287633, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._