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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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Q	What island in the St. Lawrence River was given away on a television game show in 1964?
A	Price is Right Island was given away by Bill Cullen on "The Price is Right."
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Alan Maloney, GRI, REALTOR®, real estate agents and broker for Fresno, Clovis and Sanger, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Alan Maloney, Graduate REALTOR® Institute
Century 21 C. Watson Real Estate Inc.
7520 North Palm, Suite 102
Fresno, CA. 93711
Phone: 559-301-0286
Fax: 559-421-0379
Email: alanmaloney@NUMBER1EXPERT.com
"STRAIGHT TALK, NO SALES PITCH" is not just a slick tag line, it is the cornerstone of my real estate career. When you need a REALTOR®, make sure you focus on INTEGRITY, EXPERIENCE, and EDUCATION. I am a member of the Graduate REALTOR® Institute, the most exclusive of all real estate designations. I am a Masters Emerald Award winner, and a multi-million dollar producer. Let me show you the difference!

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