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  • 696 1st Avenue N, Suite 204 St. Petersburg, FL 33701 Mobile (727) 809-0746 Janice.Allen@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Janice Allen

  • Senior Loan Officer
  • St. Petersburg, FL Mortgage Loan Officer
  • NMLS #432394
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I’ll be with you every step of the way

Hi, I’m Janice. Home financing is more than selling loans—it’s about helping people achieve their homeownership goals. Based in our St. Petersburg, FL branch of America’s #1 Retail Mortgage Lender, I’m dedicated to guiding you to the finish line, whether that’s reaching a better financial position or connecting you to the home of your dreams. With 43 years of experience, I’ve learned to take the time to understand my customers. I always ask: What’s your story? How can I help you in the pursuit of a home?

By seeing my customers as real people with real goals, needs, and dreams, I match them with the right mortgage and create a truly seamless home financing experience. Everyone has a story to tell. Work with a loan officer who will listen, personalize your loan, and guide you every step of the way. From our first conversation to closing, I look forward to walking by your side!

My social posts

yourmortgagedreams yourmortgagedreams
May 30
While nearly half of buyers still settle in the suburbs, a rising number are buying in the big city. Whether your clients are looking for a downtown apartment or a rural escape, we’ve got loans for any locale....
yourmortgagedreams yourmortgagedreams
May 28
April saw a modest slowdown in existing-home sales, easing 0.5% from the previous month. As demand remains pent up, we’re your go-to partner when your buyers find opportunities in their market.
yourmortgagedreams yourmortgagedreams
May 23
The average stay in a new home is 15 years, but a quarter of buyers are ready to live out the length of their mortgage — and then some.
yourmortgagedreams yourmortgagedreams
May 21
The average home purchased is about 20 years old. At that age, some are fully updated, a few could use some DIY fixes, and a handful might need that renovation loan. ⏰
yourmortgagedreams yourmortgagedreams
May 16
When it comes to location, buyer priorities have shifted. They value convenience to friends and family — making recommendations and referrals even more important. 🫂
Woman researching loan officers to find the right financing parter

Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

Neutral living room with fireplace.
A family plays together peacefully knowing they found the best option to help them reach financial wellness.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

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Inspiration for your home loan journey

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

    Learn more

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