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Real Estate Tips
Financing Your Home >If You Are Self Employed

There's no question that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications of buyers who are self-employed than people who work for a regular salary.

However, if you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. It is a good idea to meet with one or more loan officers before you begin your search. They will probably want to analyze your tax returns for the past 2 or 3 years, keeping in mind that many self employed people can look impoverished on paper, since you can write off some expenses that salaried individuals can not. Try to get pre-approval from the lender, and ask for a letter stating that you have pre-qualified for a loan which your real estate agent can attach to any offer you submit on a home. This will make you more attractive to the sellers.

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Real Estate Trivia
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What U.S. state is home to the world's richest woman?

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Alice Walton, daughter of WalMart's founder and heiress to $16.5 billion, lives on a ranch in the state of Texas.
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Dean
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Len Mailloux, REALTOR®, real estate agent and broker for Charlottesville Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Len Mailloux
Better Homes and Gardens Real Estate III
500 Faulconer Dr.
Charlottesville, VA. 22903
Office : 434-984-7404
Cell: 434-981-1972
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Email: lenmailloux@NUMBER1EXPERT.com

Len Mailloux is one of America's NUMBER1EXPERTS� He has been named by Unique Homes magazine as one of the top real estate professionals in the country. Len's reputation for matching people with properties, exceptional marketing and advertising strategies, knowledge of the market and love of the area are qualities upon which his clients rely. Just call or contact him by e-mail today!

CRS Equal Housing MLS REALTOR


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