Janet Yanez
Principal Loan Advisor
NMLS #1288565
Nashville · FL · TN
Janet Yanez,
Mortgage Loan Officer
Serving Nashville, TN
I'm Janet Yanez, a Mortgage Loan Officer serving Nashville, TN. I have nearly twenty years originating home loans here in Nashville, including running my own mortgage company, and I take a consultative approach across residential, land, and commercial lending. Whether you're buying or refinancing, I'll help you compare options through Arbor Financial Group's network of 160+ wholesale lenders.
Licensed in FL, TN.
Find your fit
Explore home loan options that fit your goals
Whether you are buying your first home, refinancing, or investing, I will help you compare the right loan programs for your income, budget, and timeline. Expect competitive rates, flexible terms, and clear guidance from application to closing.
30 Year Fixed Mortgage
The most popular loan for buying and refinancing. A longer term means lower monthly payments. Buy with only 3% down.
15 Year Fixed
Buying or refinancing, a shorter term means higher monthly payments. But you pay less interest overall. Buy a home with as little as 5% down.
FHA Home Loans
Low down payment mortgages designed for first time buyers or lower credit profiles. FHA loans make homeownership more accessible.
Self Employed Mortgages
Qualify using bank statements or alternative income documentation. Perfect for business owners, freelancers, and independent contractors.
A steady hand in a complex process
About me
With nearly 20 years of experience originating home loans, I bring a consultative, client-first approach to residential, land and commercial lending. I specialize in guiding buyers and homeowners through complex financing decisions with clarity, customized solutions, and a high level of professionalism from application to closing.
The Percent Mortgage approach
Home loans made simple and strategic
Compare purchase and refinance options with competitive rates and terms. Get straightforward guidance and a smooth process designed to help you close with confidence.
Personalized Mortgage Solutions
Every borrower has a different income, credit profile, and financial goal. We structure home loans whether you are buying, refinancing, investing, or self employed.
Competitive Rates and Flexible Terms
We offer conventional, FHA, VA, and refinance options with competitive interest rates and terms structured to reduce monthly payments and support long term financial stability.
Nationwide Lending Expertise
Licensed to lend across multiple states, we help buyers and investors secure financing wherever they purchase, from Nashville to their next opportunity.
Fast Approvals
Our streamlined mortgage process prioritizes complete documentation, proactive communication, and efficient underwriting to help qualified borrowers move forward with confidence.
Your next move starts here
Let’s make your homeownership dreams a reality
Ready to take the next step? Whether you’re buying your first home, refinancing, or exploring your loan options, we’re here to help. Get in touch today and let our experts guide you through a smooth and stress-free home loan process.
Apply NowClear answers, confident decisions
Mortgage questions answered clearly
Whether you are comparing fixed rates and ARMs, exploring FHA, VA, USDA, or looking at HELOC and down payment assistance options, we break it down in plain English so you can choose the right loan with confidence.
Fixed Rate Mortgages, ARMs, and Temporary Buydowns
Janet can walk you through the details, eligibility, and next steps for this option during a personalized consultation.
What is an FHA loan and who is it best for?
Janet can walk you through the details, eligibility, and next steps for this option during a personalized consultation.
What is a VA loan and what are the main benefits for eligible veterans and service members?
Janet can walk you through the details, eligibility, and next steps for this option during a personalized consultation.
What is a USDA loan and how do I know if a property and my household qualify?
Janet can walk you through the details, eligibility, and next steps for this option during a personalized consultation.
Non QM Loans including Bank Statement and DSCR
Janet can walk you through the details, eligibility, and next steps for this option during a personalized consultation.
Commercial Loans
Janet can walk you through the details, eligibility, and next steps for this option during a personalized consultation.
Land and Lot Loans
Janet can walk you through the details, eligibility, and next steps for this option during a personalized consultation.
What is a conventional mortgage and who is it best for?
Janet can walk you through the details, eligibility, and next steps for this option during a personalized consultation.
What is a jumbo loan and what do lenders look for when approving one?
Janet can walk you through the details, eligibility, and next steps for this option during a personalized consultation.
Down Payment Assistance Programs
Janet can walk you through the details, eligibility, and next steps for this option during a personalized consultation.