Following is an overview of what you can expect during the home-buying process when you work with the Jessica Lanning team. Refinancing follows the same path, but without the home purchase aspects.

PREQUALIFICATION
Following an initial conversation, you will know how much money you want to borrow, you will know what your monthly payments will be, and you will receive an analysis of loan options and loan costs over time (with your tax benefits estimated on owner-occupied properties). We do not pull your credit report at this stage.

PREAPPROVAL
We take your loan application over the phone and review your credit. You sign and return the application with signed disclosures and the financial documentation requested. We confirm your ability to borrow money, and you choose a tentative loan program.

HOUSE HUNTING
You and your Realtor shop for your new home, and write and negotiate offers.

ESCROW PERIOD
Once your offer is accepted, we order an appraisal of the new home, confirm the loan program(s), lock your rate, and obtain final loan approval. Meanwhile, you and your Realtor conduct inspections and lift contingencies. Loan papers are then signed.

CLOSE OF ESCROW
The deeds are recorded and the keys are given over to the new homeowner—you!