James Janoff

James Janoff

Loan Originator Outside Sales
NMLS #353775
Office: 305.479.3092
Call or Text: 305.479.3092
Fax: 305.768.2319
3701 Arco Corporate Drive, Suite 200,
Charlotte, NC 28273

About me.

Mortgage lending is in most cases fulfilling a dream. My goal is always to make that dream a reality and at Cardinal Financial we have all the products you need for all types of borrowers. Whatever your situation, we have a program to make your purchase or refinance a reality.

As a mortgage loan originator for over 30 years, I have learned the secret to a successful outcome is communication. From the initial conversation to your closing we will be in constant communication making sure we are always on the same page working together toward your closing. Whether that's on an evening call or over the weekend, I will be available when needed to make sure we reach your closing smoothly and timely.

I look forward to assisting you with all your home financing needs.

Lets connect.

Your home buying or refinancing journey starts here. Fill out the form to get in touch.

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My reviews.

April 2022
Experience.com Christopher - Port St. Lucie, FL
Your entire team made the process stress free. Every step was communicated clearly and each person we spoke with lend a helping hand. Best experience we have ever had during a home loan process.
April 2022
Experience.com Charles - Canton, MI
Excellent and quick communication. Very timely overall and eager to help.
April 2022
Experience.com Marco - Norman, OK
Great atmosphere and communication! I felt like they put the customer first and really made it work for me.
April 2022
Experience.com Nelson - Allentown, PA
Very supportive!
April 2022
Experience.com Pravalhika - Haslet, TX
The best lender I have seen so far.
October 2022
Zillow Sam & Felicia Coppin - Yakima, US
Overall a great experience. First time home buyers but the process was simple and well laid out. A lot of emails but we are buying a home so it was sometimes best to connect over the phone to iron out details. Very responsive.

Loan process

Getting a mortgage or securing a better rate with a refinance doesn’t have to be a migraine. Here’s a high-level look at the process.
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Connect and apply.

First, get your free quote. Then one of our loan originators will be in touch to say hey, discuss your goals and options, and walk you through the application process. 
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Lock and close.

Whether you’re purchasing or refinancing, our underwriting team crosses the t’s and dots the i’s to verify your info. We’ll update you on your progress every step of the way.
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Make yourself at home.

Once your loan is locked and you’ve signed your closing disclosures, you either get your keys or you get on with your life in the home you love, with the rate you deserve.
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Ready to get financed?

Start the process today with a personalized rate quote. There's no cost and no commitment.