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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 structure is regarded as the best surviving example of Pennsylvania Dutch architecture?
A	The Georg Muller House in Milbach, PA, built in 1752.
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Ed Smith, REALTOR®, real estate agent and broker for Albuquerque and Rio RanchoNew Mexico home listings, property and land for sale - NUMBER1EXPERT(tm)

Ed Smith
RE/MAX Masters
6705-A Academy NE
Albuquerque, NM 87109
Cell: 505-263-4423
Fax: 505-883-9244
Toll Free: 1-800-753-2782
Email: edsmith@NUMBER1EXPERT.com
General Email: EdSmithTeam@comcast.net
"I am celebrating 24 years of real estate in Albuquerque, Rio Rancho and surrounding areas!"

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