Janette Ponce

Loan Originator
NMLS: 259625

I am an experienced professional with over 26 years in the Mortgage Industry.  I have worked in many facets of the business.  I have spent the last 11 years as a Senior Loan Officer for one of the top Nationwide Home Builders.  I also assisted the Division Manager for the Central Valley in overseeing the Bakersfield Lending Team.  I assisted on on-boarding new associates as well as mentoring them in their performance.  I was responsible for problem solving and training with other Loan Officers.  I am very self-motivated and interact well with Customers and Realtors.

I enjoy meeting my Customers face to face to get to know them.  This way I can make sure I am offering them the best product for their situation.  There is nothing like seeing a family get the keys to their new home, where wonderful memories will be made.

Apply online today!

In accordance with Section 326 of the USA Patriot Act of 2001, Residential Bancorp NMLS ID: 210853 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act. I acknowledge this is not a formal application, under the Real Estate Settlement Procedures Act, or a commitment to lend. Your loan officer will contact you to complete your application and determine which products may best suite your financial needs. Final loan approval will be subject to a complete application, complete sales contract when you find a home (purchase transactions only), a property appraisal, determination by the lender that the property meets underwriting and commitment conditions, and a verification of your income, employment, assets, credit history and any other information necessary in compliance with lender’s underwriting guidelines. If you supplied your social security number in the Pre-application, you are permitting the lender to order a credit report in connection with your request for credit.
  • FHA Loans
  • VA Loans
  • FNMA / FHLMC Conventional
  • 203K Limited
  • USDA Guaranteed Rural Housing
  • City of Los Angeles Downpayment assistance
  • HUD Repair Escrow
  • Good Neighbor
  • FHA Streamline
  • NO FICO Underwriting FHA
  • DU REFI Plus
  • Manual Underwriting
  • Home Equity Line of Credit
  • Mortgage Credit Certificate
  • GFSA Platinum
  • Manufactured Housing
  • JUMBO Loans
  • Home Ready
  • … and many more