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Janine Baeza

Senior Loan Officer
1751 Third St, Ste 101, Norco, CA 92860
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NMLS: 17287
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Janine Baeza has helped me with multiple refinances and a mortgage for our primary home and I couldn't be happier with her performance as well as her team.

Matthew M. -Northborough, MA | SEP 2016

Janine was excellent to work with! Janine put in the time with us to get the best rate option possible and promptly answered any questions we had throughout the process. I would recommend Janine to anyone!

Chris C. Woburn, MA -- 05/14/14

We are glad that we worked with Janine for our mortgage. She is extremely helpful in all the aspects of getting an approved mortgage. Right form the pre-approval step to final step for mortgage approval, Janine answered all of our questions patiently (both over phone and email). She explained all mortgage options and gave us the best available rate. She is a real pleasure to work with. Getting a mortgage can be very complicated process, if you do not work with the right person. We will...

Maddy P. Waltham, MA - 05/14/14

Very happy experience with Janine. We were able to get a great rate (with options) and the underwriting process was pretty smooth. Lots of hurdles to jump through, but the biggest thing for me was communication - which Janine was an A+ performer at delivering.

Jon S. - 05/14/14

Janine was a pleasure to work with. Always easy to get in touch with or would return calls promptly. She was always honest and friendly. She got me a great rate despite less than perfect credit. She gave me sound advice on rebuilding my credit score and then delivered a great rate. She is genuinely happy when she helps someone. I would give Janine my strongest recommendation.

Larry A.--MA 1/25/2014

Janine was a pleasure to work with. Always easy to get in touch with or would return calls promptly. She was always honest and friendly. She got me a great rate despite less than perfect credit. She gave me sound advice on rebuilding my credit score and then delivered a great rate. She is genuinely happy when she helps someone. I would give Janine my strongest recommendation.

Larry A.--MA 1/25/2014

"Janine Roth was professional, friendly and efficient. She made me feel comfortable with the process and gave me the sense that I could trust her. The application was reasonably simple and didn't require a lot of my time. My questions were answered promptly and in a manner that "never" made me feel like I was asking stupid questions. The closer Betsy Kelly was efficient, friendly and thoroughly explained each page of the closing documents. I don't think it could have gone better!"

Elizabeth N. -- West Roxbury, MA. -- 8/ 2013

Janine was a pleasure to work with. Always easy to get in touch with or would return calls promptly. She was always honest and friendly. She got me a great rate despite less than perfect credit. She gave me sound advice on rebuilding my credit score and then delivered a great rate. She is genuinely happy when she helps someone. I would give Janine my strongest recommendation. Larry A.--MA 1/25/2014

Larry A.--MA 1/25/2014

" Janine Roth was GREAT and pleasant to work with. Not only did she put me at ease and was enjoyable to speak to but she also took the time to explain options, rates, etc. The closing was very accommodating around our daunting schedules. Not pushy like the other companies. She even followed up the night of the closing - a reminder she was still in the picture and available if anything came up. I felt like a real person and not a body attached to the other end of a computer. Thank you."

Marie W. --Westford, MA. -- 5/2013

Hey check out the fantastic review from Norman about Janine! “Janine was very instrumental in getting us a mortgage in an extremely short time. She kept her team moving toward closing even when obstacles were placed in her path by condo management and an obstinate real estate agent. I can't say enough about her excellent knowledge in mortgage matters and tenacity to get all obstacles solved. We would have never had our mortgage in-time with any other person running the show. If you need...

Norman R. -- Stow, MA -- 04/2013

Hey check out the amazing review from Marta about Janine! “I am always cautious of lenders contacting me, but when I put out a bid for my refinance, Janine was the first to contact me! Janine provided great advice and stayed with the quoted low rate. She made the refinance very easy. She kept me updated through every step of the way and was available for phone calls any time of the day! I can confidently say that she is the best mortgage broker I have worked with; no hidden costs/charges...

Marta. -- Middlesex, MA -- 03/2013

Janine was a pleasure to work with. She was always very helpful and responsive to any questions I had and always had a very cheerful attitude. She made the process as easy as possible. I would use her again in the future for any of my mortgage needs.

Robert D - Feb 2013

This is the second time Janine Roth helped me refinance my home. Both times, she has guided me through the entire process (which can be very intimidating). I credit Janine with a smooth, stress-free refinancing experience - not once, but twice! Janine is savvy, personable and extremely knowledgeable. I am nothing but pleased with Janine Roth and her expertise and I highly recommend her.

Tracey P. - Feb 2013

Hey check out the amazing review from Asis about Janine! “We refinance our mortgage with Janine Roth and I could not be happier. She treated us with respect and is extremely dedicated to her clients. Janine is a very knowledgeable earning my complete trust. Her approach from the beginning was very professional making me happy that my family made the recommendation! Janine is the best at what she does!” http://www.yelp.com/biz/janine-roth-guaranteed-rate-boston

Asis G. -- Boston, MA -- 02/2013

Hey check out the amazing review about Andrea about Janine! “I would highly recommend Janine Roth to help you find the right mortgage at the best rate. Last year I was looking into getting out of my adjustable and into a fixed rate. Janine was very helpful and I was all set to refinance giving me an unbelievable rate and no closing costs! Janine was with me every step simply great! Refinance with Janine and you will not only be happy with your rate and payments, you will appreciate how...

Andrea H. -- Boston, MA -- 02/2013

Hey check out the great review from Tracey about Janine! “This is the second time Janine Roth helped me refinance my home. Both times, she has guided me through the entire process which can be very intimidating. I credit Janine with a smooth, stressfree refinancing experience not once, but twice! Janine is savvy, personable and extremely knowledgeable. I am nothing but pleased with Janine and her expertise I highly recommend!” http://www.yelp.com/biz/janine-roth-guaranteed-rate-boston

Tracey P. -- Revere, MA -- 02/2013

Hey check out the incredible review from Robert about Janine! “Janine was a pleasure to work with, always very helpful and responsive to any questions. Janie always had a very cheerful attitude while making my process easy as possible! I would certainly use her again in the future for my mortgage needs. Thanks again Janine!” http://www.yelp.com/biz/janine-roth-guaranteed-rate-boston

Janie R. -- Braintree, MA --02/2013

Hey check out the glowing review from Chris about Janine! “We refinanced our mortgage through Janine Roth at Guaranteed Rate and couldn't be happier! Recommended by a coworker,I contacted Janine by email and she called within 24 hours to explain the different refinance options available to us! Janine was responsive throughout the entire process. No hidden fees and closing costs! We ended up saving a significant amount of money on our monthly mortgage payments! I would recommend Janine to...

Chris D. -- Boston, MA -- 01/2013

Hey check out the amazing review from Bing about Janine! “We have used Guaranteed Rate twice for our refinance! Both times the experience was very positive! Janine and her team were very accommodating. They kept the process very easy and straightforward. We will definitely use Janine again for any other future mortgage needs and would highly recommend her to anyone!” https://www.facebook.com/guaranteedRate1

Bing Y. -- Quincy, MA -- 01/2013

...I wanted to thank you and your entire team for all of your work. It was a pleasure working with all of you. Your knowledge and efficiency were exceptional. I will surely pass your name onto any friends and colleagues that are in the market.

Lloyd A. - Peabody, MA 6/2012

Janine interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business for almost 10 years now. I truly love what I do. I love talking with all of my clients and finding the loan perfect for them. I love talking with first time homebuyers and guiding them thru the process. Their excitement is so great! I love knowing that I am helping to provide a better loan and financial situation for all my borrowers. I believe that the 3 most important things in life are Family/Love, Health and Shelter. If I can help with one of those, then that is a great thing!
What advice would you give new or first time home buyers?
I think the best advice that I can give a first time home buyer is to ask a ton of questions! I believe knowledge is power. I try to educate my borrowers with all of the different programs available and find the one that is best for their situation. There are so many great programs out there and you really want to make sure that you find the perfect one for you. I feel so lucky to be able to offer my clients the best programs that are available such as FHA, VA, USDA, conventional, jumbo and Mass Housing. We also have Home Equity or HELOC\'s available. There are a lot of options that can enable a borrower to avoid MI. I feel we are one of the leaders in offering our clients the best options available.
What part of the home loan process do customers find most difficult and how do you help them through it?
I think that sometimes a customer will receive the loan package and all the necessary documentation and feel that it is a lot. This is a very natural feeling. However once we talk and go thru everything they realize that the documentation needed is very easy. The great thing is that we have such a streamlined process that we are able to ask for the necessary documentation upfront so that there will be less needed throughout the process. I find that all of my clients really like that. The goal in every loan is to make it as easy and seamless as possible. I try to treat every loan the way I would want my loan treated.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
My main priority is my parents. My parents are both handicapped and I have been taking care of them since I was a little girl. My mother has Multiple Sclerosis, M.S. and is in a wheelchair. My father has Retinitis Pigmentosis, R.P. and is blind. I get so much enjoyment spending time with them. They are the reason why I am the way I am today. Their ability to fight and preserve through all of life\'s challenges is such an inspiration! I am always so amazed at how much of a positive outlook that both of them have. They never let anything get them down, they just keep moving forward. They are such fighters. I am so blessed to have such amazing parents and role models.
Tell us something that makes you unique or something wacky, yet interesting about you?
I love going out dancing and doing karaoke. But then I also love going to museums and watching documentaries. For the longest time I didn\'t even have cable TV. I love PBS and WGBH. I love learning something new and learning how things work.

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