APPLY WITH JEANEAN
FROM PRE-APPROVAL TO KEYS.
You might not be ready today — but I will get you there.
Buying a home shouldn't feel like a test you didn't study for. I walk you through every step — in plain language, at your pace — so you always know exactly where you stand and what happens next.
Jeanean Lawson · Mortgage Loan Officer · NMLS# 1951922
THE PROCESS
HERE'S HOW IT GOES.
01 · THE FIRST CONVERSATION (15–20 MIN)
02 · YOU APPLY + SEND DOCUMENTS
03 · I REVIEW + STRUCTURE YOUR FILE
04 · YOU GET YOUR PRE-APPROVAL — OR YOUR PLAN TO GET THERE
We talk about your goals, your timeline, and your numbers — no judgment, no pressure. You leave knowing what's realistic and what to do next.
You complete a secure application and upload your paperwork. I tell you exactly what I need and why — see the checklist below.
I run your credit, review everything, and find the loan and programs that fit you. If your file needs creativity, that's my favorite part.
Most straightforward files are pre-approved within 24–48 hours of complete documents. If yours needs work — credit, income, debt — I tell you exactly what to do next, and I'll work with you on credit repair if needed. Either way, you walk out with a clear path.
THE PROCESS
HERE'S HOW IT GOES.
01 · THE FIRST CONVERSATION (15–20 MIN)
02 · YOU APPLY + SEND DOCUMENTS
03 · I REVIEW + STRUCTURE YOUR FILE
04 · YOU GET YOUR PRE-APPROVAL — OR YOUR PLAN TO GET THERE
We talk about your goals, your timeline, and your numbers — no judgment, no pressure. You leave knowing what's realistic and what to do next.
You complete a secure application and upload your paperwork. I tell you exactly what I need and why — see the checklist below.
I run your credit, review everything, and find the loan and programs that fit you. If your file needs creativity, that's my favorite part.
Most straightforward files are pre-approved within 24–48 hours of complete documents. If yours needs work — credit, income, debt — I tell you exactly what to do next, and I'll work with you on credit repair if needed. Either way, you walk out with a clear path.
TIMELINE
HOW LONG DOES IT TAKE?
- Straightforward files (W-2, clean credit): pre-approval often in 24–48 hours once documents are complete.
- Self-employed or variable income: add a little time — we may run your file through scenario underwriting first so your letter is rock-solid.
- Complex situations (credit repair, non-traditional credit, asset-based, multiple borrowers): we build a plan together. Sometimes it's weeks, sometimes a few months — but there's almost always a path.
Starting early is the cheapest advantage you'll ever get. Even if you're 6–12 months out, let's talk now.
EVERYONE
- ✓ Photo ID (driver's license or passport)
- ✓ Last 30 days of pay stubs
- ✓ Last 2 years of W-2s
- ✓ Last 2 months of bank statements (all pages)
- ✓ 2-year address & employment history
IF YOU'RE A VETERAN OR ACTIVE DUTY
- ✓ Certificate of Eligibility (COE)
- ✓ DD-214 (veterans) or Statement of Service (active duty)
- ✓ Most recent Leave & Earnings Statement (LES, for active duty)
- ✓ Disability award letter (if applicable)
WHAT TO HAVE READY.
IF YOU'RE SELF-EMPLOYED / 1099
- ✓ Last 2 years of personal AND business tax returns
- ✓ Year-to-date profit & loss statement
- ✓ Business license (if applicable)
GET READY
IF YOU'RE RETIRED
- ✓ Last 2 years of tax returns showing retirement income
- ✓ 1099-R / pension statements
- ✓ Social Security award letter (if applicable)
- ✓ IRA / 401(k) statements (if drawing distributions)
SITUATIONAL
(I'll tell you if it applies)
- ✓ Gift letter (for gift funds)
- ✓ Bankruptcy discharge papers
- ✓ Divorce decree / child support documentation
- ✓ Award letters (Social Security, disability, retirement)
Don't have it all perfect? Don't wait. Send what you have — I'll help you fill the gaps.
TOOLS ON ME
FREE TOOLS TO GET YOU MOVING.
Use them anytime. No signup wall until you want your results — and if you do, I'll get in touch to help you go further.
TOOL 01 · MORTGAGE PAYMENT
See what a home actually costs each month — not just the mortgage.
TOOL 05 · RENT VS. BUY
The comparison your landlord doesn't want you to run.
TOOL 02 · AFFORDABILITY
The honest number — before you fall in love with a listing.
TOOL 06 · CLOSING COSTS (MD)
Maryland-specific. So you know what you're really bringing to the table.
TOOL 03 · DTI CALCULATOR
See your debt-to-income ratio and what it means for the loan types you qualify for.
TOOL 07 · DOWN PAYMENT TRACKER
How long until you're actually ready to buy? Let's find out.
TOOL 04 · BUDGET BUILDER
Map your monthly money so you know what payment actually fits your life.
TOOL 08 · REFINANCE BREAKEVEN
Should you actually refinance? Let's do the honest math.
More tools drop as I build them — follow @ctcwithjeanean on Instagram for updates.
