Janice Fowler Home Loans | Raleigh, NC


Janice Fowler, RMLO NMLS ID #69658

Sponsored by NTFN, INC, NMLS ID 75333

Janice Fowler

Sponsored by NTFN, INC, NMLS ID 75333


Janice was awesome at promptly answering all my questions via call, text or email. She kept me up to date throughout the entire process.

Durham, NC Review -Tyler C.

Janice was fantastic throughout the whole process. She always made herself available, she provided meaningful updates, answered all questions thoroughly and was an absolute pleasure to work with!

Raleigh, NC Review -John N.

Janice was very knowledgeable and accessible. She guided us every step of the way. I will definitely recommend her and use her again in the future!

Columbus, NC Review -Tammy H.


Forget cookie-cutter mortgage companies and newbie online mortgage lenders. At Perennial Mortgage Group of Raleigh, we pride ourselves on tailoring our loan solutions to you — the hard-working home buyer.

ABOUT THE Perennial Raleigh TEAM

Loan Officer Janice Fowler boasts extensive hands-on experience in the mortgage industry. she honed her skills and has been serving North Carolina home buyers ever since.

Janice Fowler is supported by a deeply experienced team of underwriters, processors and advisors, all of whom boast extensive knowledge in the mortgage lending industry.

OUR VALUES AT Perennial Raleigh

Part of what makes Perennial one of the nation’s best mortgage lenders is our push for excellence and our one-on-one, customer-centric approach. We don’t think of customers as simply names or loan numbers; we think of them as people — people seeking guidance on one of the most important journeys they’ll ever take as Americans.

As such, we keep these values at the forefront of the mortgage process:

  • Flexibility – We offer financing options that fit your life and your financial situation, no matter how unique it might be.
  • Knowledge – Our team is dedicated to knowing the market and the rapid changes that come with it.
  • Communication – We keep you appraised of your loan’s status every step of the way.
  • Customer service – We give you the time, attention and guidance you deserve.

In short, Perennial Raleigh is committed to our clients and to their success, and we’ll prove it to you — every step along the way.


At Perennial Raleigh we proudly serve buyers and borrowers of all kinds. To achieve this, we offer a wide array of loan products and financing options to meet every budget, goal and financial background.

Here are just a few of the mortgage loan options we offer:

  • FHA loans – Backed by the Federal Housing Administration, these loans offer down payments as low as 3.5 percent.
  • VA loans – Designed for veterans and military members, these mortgages require no down payment at all. Some military family members may also be eligible.
  • USDA loans – These loans require no down payment and can be used to purchase property in designated rural areas. They’re backed by the U.S. Department of Agriculture.
  • Conventional loans – With down payment requirements as low as 3 percent, these are one of the most popular types of mortgage loans out there. They’re backed by Fannie Mae and Freddie Mac.

We can also connect you with down payment and closing cost assistance programs that can make buying a house more affordable — particularly if you’re a lower-income and first-time home buyer. Be sure to ask us about these programs if you’re interested in learning more.


We know the home buying process can be a confusing one, but Perennial Raleigh is here to help. With our deep experience, industry knowledge and customer-centric approach on your side, that dream home is just around the corner.

Ready to buy a home? Then get in touch today at 919.622.5282 or janice@perennialmortgage.com to learn more or get prequalified for your mortgage loan.


We are a dynamic team of professionals dedicated to providing an extraordinary mortgage experience by exceeding client expectations one loan at a time.