Skip to content
Janice Allen photo

Your Local CrossCountry Mortgage Loan Officer

Janice Allen

  • Senior Loan Officer
  • St. Petersburg, FL Mortgage Loan Officer
  • NMLS #432394
Apply Now Free Rate Quote

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
Sep 19
A good review is much more than that. It’s a satisfied client who will remember the experience the next time they need you.
yourmortgagedreams yourmortgagedreams
Sep 17
❗Market update❗The Fed dropped their benchmark interest rate. This could be a good time to review your mortgage options. 📲 Get in touch to stay informed about mortgage rates.
yourmortgagedreams yourmortgagedreams
Sep 12
The longer a home sits on the market, the more likely it is to sell for less than its listing price — which makes efficiency key to successful negotiations and closings.
yourmortgagedreams yourmortgagedreams
Sep 10
When most homes sell for what they list at, sellers deserve an expert agent to help them set their price and a trusted lender who helps them show up ready.
yourmortgagedreams yourmortgagedreams
Sep 5
July pending home sales dipped slightly 0.4% from June but showed a modest 0.7% increase year-over-year. It’s a reminder that consistency and connection matter more than ever. Let’s talk about how we can support...

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. 

Contact me

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. 

Contact me

Inspiration for your home loan journey

View All

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

Get Pre-Approved

I’d love to hear from you.

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    By proceeding, I am consenting to receive phone calls, SMS (text messages) and emails from CrossCountry Mortgage, LLC. I expressly consent to be contacted by CrossCountry Mortgage or its agents on a recurring basis at the phone number and/or email address I provided regarding products or services via live, automated, artificial, or prerecorded phone calls, SMS (text messages) or email. I understand that my telephone company may impose charges on me for these contacts, and that I am not required to sign this agreement as a condition of purchase of property, goods, or services. I understand that I may cancel this consent at any time. Reply STOP to cancel, HELP for help. Msg & data rates may apply. Msg freq. varies. Terms and Conditions/Privacy Policy apply.