NMLS# 1075669

Laney Turns

Laney has worked in the real estate and mortgage industry for over 18 years.

Phone: 231 486 0773

Email: lturns@johnadamsmortgage.com

Start your home purchase or refinance with Laney.

Manage your loan journey right from your phone by downloading our app LOOP.

Apply for Pre-Approval
Track your home loan progress
Securely scan and submit documents
Estimate monthly payments
Contact your loan officer and real estate agent

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Laney began her career in real estate as an agent. She immediately became successful as a top selling agent because of her customer-first attitude. As a military spouse, she understood the importance of helping families meet their housing needs with quick, effective help with a professional who was available.

Laney has brought that same work ethic and mindset into the mortgage industry. She has the over 5 years’ experience as a mortgage processor and Loan Officer Assistant, which enables her to effectively communicate her clients’ loan requirements to close their loan successfully. Laney loves to serve and help others.

Laney can help you completely understand all parts of the home buying experience throughout the process.

Her best advice she likes to give to her clients is:

Start saving early for your down payment
Maximize your credit score
Decide on your home-buying budget
Obtain a pre-approval letter

When Laney isn’t busy at work, she loves spending time with her husband and four wonderful kids. Their favorite things to do together include, taking their boat out on the beautiful inland lakes in Traverse City, going to the beach and watching football. Being from the South, Laney loves football, especially Alabama football!

Mortgage Info & Updates

mortgage-updates

In the latest update regarding the NAR Settlement and it's effects, we have great news for first-time buyers; Fannie Mae, Freddie Mac, and FHA have now confirmed that seller paid commissions will not be counted into the maximum allowed for interested party contributions. We are still awaiting key details from the VA, and will remain diligent as new information unfolds.

Despite initial confusion, buyers' agents can still receive compensation from sellers, commission just can’t be offered through the MLS. Ensuring all parties are well-represented will be crucial to smoother transactions in this new market.

We're looking for an experienced Marketing Manager s great at developing project timelines, strategizing creative campaigns and crafting mortgage-based copy and messaging.

Today we're dismantling the misconceptions on mortgage insurance and sharing more about how it can be a tool that accelerates a buyer's ability to purchase and own home. Mortgage insurance is a type of insurance typically required by lenders when a borrower puts down less than 20% of the home's purchase price. It's usually paid as a monthly premium that's added to the borrower's mortgage payment.

Interest rates remain the same as inflation data came in as expected earlier today. Rates are still in that high 6, low 7% range. Buyers, be prepared with a pre-approval so you can act quickly when you find the right home.

When there's uncertainty, the best thing for a homebuyer to do is be prepared and ready. With many varying projections about mortgage interest rates, the smartest move is to be proactive and get pre-approved, so buyers can act fast.

Yesterday’s Consumer Price Index Results Were Slightly Lower Than Expected. With the Overall CPI at 3%, we've seen rates come down yesterday and it's trending that way today, too. Great news for housing!

Rates are in the Upper-6s As We Move into a Busy Weekend of Open Houses.

Fannie Mae Shares Results Ranking Important Factors of Living "The Good Life.” 3 of the top 6 factors are housing-related in what participants found to be important when considering the life they'd like to have. The dream of homeownership continues to be strong. Begin your journey by getting pre-approved. Homebuyers, we can help!

The jobs report came out this morning. The number of jobs in this week's report blew away expectations. mortgage rates are pretty neutral from the news. Housing inventory is still slightly down, but home buyer demand is strong.