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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
Q 
What famous American building was originally built in 1792, burned and rebuilt 1814-1818 and restored in 1952?

A 
The White House in Washington, D.C., modeled after an Irish palace, is a sumptuous example of post-colonial architecture.
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Judy Gull, REALTOR®, real estate agent and broker for La Crosse, La Crosse County, Onalaska and Holmen, Wisconsin home listings, property and land for sale - NUMBER1EXPERT

Judy Gull
RE/MAX First Choice

757 Sand Lake Rd
Onalaska, WI
608-781-7714
Fax: 608-783-4263
judygull@NUMBER1EXPERT.COM


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