Janelle Horne, loan officer with Land Home Financial Services in Cameron Park. Democrat photo by Shelly Thorene
By Carol Guild
Janelle Horne has worked in the banking and mortgage industry since 1999. She is very detailed, working as a notary for eight years, and auditing loans prior to transitioning to loan officer in March 2015.
Horne specializes in first-time homebuyers and down payment assistance, as well as refinancing.
Citing a team that includes an assistant, processors, underwriters, title and escrow companies, appraisers and Realtors, Horne has mastered the process of navigating and educating people through the loan process.
“I’m working with first-time homebuyers, and walking them through every step of the way,” she said. “There is lots of paperwork, a letter of explanation for almost everything. I’m giving them all the information up front for nice, smooth transactions.”
The process enables loans to close in as little as 21 days.
“We have a process that gets the client fully approved before they go look for the home,” Horne said. “Because we’re a direct lender, we’re able to do that. When they go to write that offer, the seller can be certain we will not fall out of escrow … the buyer is fully approved.”
Principle of business
Horne said the most important lesson she has learned is: “Always being upfront and honest with your clients.”
Horne is diligent to work her best in every transaction, and is careful not to give unrealistic expectations. Even if now is not the right time for a homebuyer, Horne can work with them on a future plan. “I try to give them encouragement, working with them on credit,” she said. “Even if you can’t do it right now, I can help you prepare steps where you can do it in the future.”
Horne is a member of the El Dorado County Association of Realtors (EDCAR) and received Affiliate of the Year in 2017. She was then nominated to be affiliate director, which gives her a seat on the board. Affiliates include lenders, insurance agents, home inspectors, appraisers, home stagers, photographers … “I’m making sure they’re getting involved, promoting their business the way they want,” Horne said.
Horne is also part of the Cameron Park Rotary, Shingle Springs Chamber, El Dorado Hills Chamber and El Dorado County Chamber of Commerce.
“I love getting involved,” Horne said. “EDCAR does a lot of fundraisers. I was the chairman for the golf tournament last year. We had our best year ever. We were able to give $7500 each each three charities, that included El Dorado Search and Rescue Council, Sierra Law Enforcement Chaplaincy, and SCLAR Large Animal Rescue 22,500. We worked really hard. We had a really great team of about 25 people in our community.”
Horne is also part of Honor our Troops. “We raise money twice a year and send out care packages to local service men and women in the war zones,” she said.
A run for office
Horne is also running for County of El Dorado Recorder-Clerk.
“What’s unique is that I was not looking to do this at all, but I was approached several times,” she said. “We work with the Recorder’s office on a daily basis.”
Horne has been married for 18 years. “We’ve known each other for 25 years,” she said. They have four children and live in Shingle Springs.
When asked who her role model is, Horne is quick to say, “My husband. He is a veteran and a highway patrol officer. He’s always been the one to encourage me.”