

James Janoff
Senior Loan Officer | NMLS# 353775

My name is James & I have been a mortgage loan originator for 32 years. I can assist you in all types of residential lending including, Conventional loans, FHA loans, Jumbo loans as well as specialty loans which include alternative income l... Show More
Location & Business Hours
Business Hours
Tues
24 hours(Open now)
Wed
24 hours
Thu
24 hours
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Reviews from Web
Jamea Kept me uodated
Reply from James Janoff
January 9th, 2026 03:40 PM
I'm glad to hear you felt updated throughout the process, Anne. Keeping clients informed is an important aspect of my role, and it’s great to know that it contributed to your positive experience. If you ever need further assistance, please...
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James was great, extremely knowledgeable and walked me through each step
Reply from James Janoff
January 5th, 2026 03:23 PM
Thank you, Kristina, for sharing your thoughts. I'm glad to hear you felt I was there for you to understand the process. It's important to me that every step is clearly explained and makes sense for my clients. If there's anything else you...
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James was very thorough. He guided us through the lending process while purchasing our home. His guidance, knowledge and amazing communication made the process seamless. We will always recommend James. Thank you so much!
Reply from James Janoff
January 5th, 2026 03:23 PM
It's wonderful to know that you found the lending process seamless with my guidance and communication, Lisa. Your confidence in recommending my services is truly appreciated. Helping clients navigate the lending process smoothly is a key priority...
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James was amazing like always.
Reply from James Janoff
December 16th, 2025 03:24 PM
Thank you Scott for your kind words. It's always a pleasure to work with you. As always so happy we had another successful closing together. Let's do it again real soon.
Thank you James for your amaicing job.
Reply from James Janoff
December 3rd, 2025 03:14 PM
I'm grateful for your kind words, Geter. It was a pleasure to assist you. If there's anything else you need or any questions come up in the future, feel free to reach out.
James was always communicative and present during the entire process. He took the time to explain the mortgage details that were not clear to me and resolved issues quickly. i I am very happy I did my mortgage with him.
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Reply from James Janoff
December 2nd, 2025 03:15 PM
I'm glad to hear that you felt supported and informed throughout the process, Glenda. Taking the time to explain mortgage details and addressing any issues promptly is important to me, and I'm pleased to know that it made a difference in your...
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James is very easy to work with
Reply from James Janoff
October 17th, 2025 01:41 PM
I appreciate your feedback, Daniel. It's good to know that you found working with me to be easy. Building a seamless experience is something I strive for, and I'm glad it resonated with you. If there's anything else you need in the future,...
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James is exceptional at communication. Very helpful as a Realtor with a mutual customer.
Reply from James Janoff
October 9th, 2025 05:55 AM
Thank you Paul for your kind words. I appreciate you mentioning communication as I believe it is essential to a successful transaction. I’m glad you feel confident in referring your clients to me. There is nothing more impactful than that....
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James kept us informed throughout the process went smoothly
Reply from James Janoff
October 7th, 2025 03:39 PM
Thank you Mari. It was great working with you. I try to always keep the lines of communication open as I feel that is essential to a successful transaction. I look forward to working with you again soon.
James and his folks seemed to be available whenever I needed. He explained every step. My only complaint is the cost to close was all over the map. That's not all on James, but I when the worse case estimate is exceeded, it makes makes preparing...
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Reply from James Janoff
September 29th, 2025 10:03 PM
I appreciate your feedback, Michael. I'm glad to know that my availability and explanations were helpful during the process. I understand your concern about the closing costs and how important it is to have a clear estimate. I'll certainly...
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About
My name is James & I have been a mortgage loan originator for 32 years. I can assist you in all types of residential lending including, Conventional loans, FHA loans, Jumbo loans as well as specialty loans which include alternative income loans, construction loans & reverse mortgage loans. If you are looking for a primary home or a investment property I can assist you from pre-qualification right through to closing. I believe there are two critical aspects to having a successful & smooth mortgage process. Being able to communicate to all parties during the loan process will make the process effortless & without stress. In this competitive market it is necessary to be available during non-traditional working hours to give the the best.
Products & Services
Mortgage Loan Officer
FHA Home Loan
Jumbo Home Loan
Specialities
Conventional Loans, FHA Loans, Jumbo Loans, Non-QM Loans and First time Homebuyers
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Positions
- United Direct Lending - Sales ManagerApr 1st, 2024 - Current
Memberships
- Women's Council of Flagler County
- Flagler County Association of Realtors
- Miami Dade Board of Realtors
Addresses and Serving Areas
Primary Serving Area
Year Started
1991
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 353775
Hobbies
- Golf, Bowling and being a sports fan
Disclaimer
Company NMLS: 1749719
State Licensing: FL, TX, CA, NJ, VA
United Direct Lending NMLS ID # 1749719