

Janice Carroll
Mortgage Loan Officer

Hi, I'm Janice! I believe getting a mortgage should feel empowering, not overwhelming. Whether you're buying your first home, refinancing, or investing, my goal is to help you understand your options and make confident financial decisions. ... Show More
Location & Business Hours
Business Hours
Sun
9 AM to 6 PM
Mon
9 AM to 6 PM
Tues
9 AM to 6 PM
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Reviews from Web
With deep knowledge of mortgage products and financial regulations, Janice excels at navigating the complexities of the mortgage process while providing clear guidance to her clients. Her ability to analyze financial scenarios and tailor solutions...
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Reply from Owner
June 5th, 2025 04:27 AM
Thank you so much—your kind words mean a lot. I truly appreciate the trust and connection with you and your family. 💛
The process was fast. If you have your paperwork together it’s goes even faster. I received the money in two weeks after I completed the application. Janice was the one who helped me through it every step of the way and if I had any questions...
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Reply from Owner
June 5th, 2025 04:28 AM
Thank you so much! I'm so glad we were able to move quickly and get it done smoothly. It was an honor working with you, and I’m always here if you need anything again. So happy you're satisfied with the outcome! 🙌💛
Janice Carroll and her awesome team at Barrett Financial were recommended to me by a good friend! She told me that she has recommended Janice to several family members and friends and they have all had received exceptional service.It’s hard...
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Reply from Owner
June 5th, 2025 04:29 AM
Wow—thank you for such a thoughtful message! It was truly an honor to walk alongside you through this exciting chapter. I'm so glad everything came together smoothly and that you felt supported the whole way through. Seeing you both get the...
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Janice has been an absolute asset in my first home- buying experience. She has been absolutely amazing at keeping us informed throughout the process and it’s always available to answer any questions. She’s upbeat and positive which has helped...
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Reply from Owner
June 5th, 2025 04:31 AM
Thank you so much! I’m really glad I could help make things feel a little easier and less stressful throughout the process. You were wonderful to work with, and I truly appreciate the trust you placed in me. Wishing you all the best in your...
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I had the pleasure of meeting Janice Carroll through another real estate agent when she served as the lender for the buyer purchasing our home in Hayward. From our first interaction, she made a great impression. She took the initiative to introduce...
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Reply from Owner
March 11th, 2025 11:46 PM
Miguel, your review truly made my day—thank you so much! Working with you was an absolute pleasure. Your professionalism shined throughout the entire transaction, making everything run smoothly and seamlessly. Big congrats to you and your seller...
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I am a first time homebuyer and I feel lost sometimes doing all the requirements and paper works but with the help of Janice and her team, I felt less pressure throughout the process. She is knowledgeable and responsive when you needed an answers....
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Reply from Owner
March 11th, 2025 11:48 PM
Joshua, Your kind words mean so much—thank you! I know the homebuying process can feel overwhelming, especially the first time around, so I’m really glad my team and I could help make things smoother and less stressful for you.It was truly...
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I recently had the pleasure of working with Janice for my mortgage, and I couldn't be happier with the experience. From the very beginning, she was professional, knowledgeable, and responsive. The mortgage application process can often feel...
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Reply from Owner
March 11th, 2025 11:54 PM
Your kind words mean so much—thank you! I know how much goes into buying a home, and I’m so glad I could help make the process smoother for you. You and Rey were amazing to work with—your patience, great questions, and trust in the process...
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Janice is amazing and worth trusting, been working with her for about 7 years.
Reply from Owner
March 11th, 2025 11:55 PM
Wow—seven years! That means so much to me. I truly appreciate your trust and loyalty over the years. It’s always a pleasure working with you, and I’m grateful for the relationship we’ve built along the way. Looking forward to many more years...
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Janice has been an amazing lender to work with over the years. We have done multiple loans together, including my owner personal loan, her communication, professionalism and amazing customer service has always been next level! I would highly...
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Reply from Owner
March 11th, 2025 11:59 PM
This means so much—thank you! Working with you is always a great experience, and I TRULY appreciate your trust and friendship. (See what I did there? 😉) You’re an incredible realtor, and it’s always a pleasure to be part of the process with...
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I was very satisfied with all there help and support from the team and most especially Janice carroll
Reply from Owner
March 12th, 2025 12:01 AM
This really means a lot—thank you! You know I’ve always got your back, and I truly appreciate the trust you’ve placed in me over the years. Always here for you—just a call away! Talk soon!
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About
Hi, I'm Janice! I believe getting a mortgage should feel empowering, not overwhelming. Whether you're buying your first home, refinancing, or investing, my goal is to help you understand your options and make confident financial decisions. I take the time to listen, explain the numbers in plain language, and create a loan strategy that's tailored to your goals—not just what you qualify for. I love helping clients go from feeling overwhelmed by the mortgage process to walking into closing with confidence, knowing they made the right decision for their future. My commitment doesn't end at closing—I'm here to be your trusted mortgage advisor for years to come.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Bridge Loans
Adjustable Rate Mortgages
Cash-Out Refinances
Commercial Loans
Bank Statement Loans
1099 Income Loans
Specialities
Conventional
FHA
USDA
Jumbo
VA
Self Employed Loan
Non-QM Loans
DSCR
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Memberships
- CA Association of Mortgage Professionals
- National Association of Mortgage Brokers
- Central County Marketing Group
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2001
Licenses
- NMLS 292558
Gallery

Awards
Achievements
- 2021 Finance of America Presidents Club
- 2021 Scotsman Guide Top 1% Mortgage Loan Originators
Hobbies
- walking
- cooking
- gardening
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Disclaimer
Barrett Financial Group #181106. Equal Housing Lender. Licensed by Dept of Financial Protection & Innovation under California Residential Mortgage Lending Act. This is not a commitment to lend. All loans are subject to approval.