Janett is a seasoned California Broker and Attorney, blending extensive legal and real estate expertise to assist clients with buying and selling property. Her background in law provides a unique advantage, enabling her to handle complex transactions, from probate and court-ordered sales to tenant-occupied properties, with precision and care. Before focusing on real estate, Janett worked as a loan officer, gaining deep knowledge of Conventional, FHA, VA loans, first-time home buyer programs, and refinancing. This dual expertise allows her to offer a truly comprehensive level of service, guiding clients with clarity and confidence at every step. Janett is committed to responsiveness, professionalism, and open communication with all parties involved in a transaction. She prioritizes personalized attention, ensuring that each client feels informed, valued, and supported in what is often one of the most significant decisions of their lives. As CEO of her own brokerage firm, Janett serves not only as a real estate agent but also as a California home loan lender. Her mission is to empower clients throughout beautiful San Diego to make informed decisions, leveraging her skills and insights to shape their financial futures with confidence.

Scott Smith is the founder of J&Smith Financial and a seasoned mortgage expert dedicated to helping clients achieve their dreams of homeownership. Scott’s career in home loans began in 2012 with a credit union in San Diego, where he quickly realized his passion for guiding clients through the complex home-buying process. As he progressed in the banking industry, Scott discovered that his true calling lay in helping people navigate this major financial milestone with confidence and clarity. In 2017, Scott left the traditional banking world to join Allied Pacific Financial, one of California’s most successful independent mortgage brokerages. There, he honed his expertise in mortgage solutions, developing a client-centered approach that allowed him to secure the best financing options tailored to each client’s needs. Scott founded J&Smith Financial in 2021 with a mission to provide clear, personalized mortgage solutions that empower clients to build wealth through homeownership. Recently, he expanded J&Smith Financial’s services to Florida—a state where he and his family spend much of their time and where he’s excited to help more clients achieve their homeownership goals. At J&Smith Financial, Scott and his team treat every client like family, guiding them every step of the way, from application to closing and beyond. Whether working with first-time buyers or experienced investors, Scott is committed to making the mortgage process smooth, transparent, and ultimately rewarding.