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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 bizarre post-midnight pageant celebrated the great transformation in Manhattan architecture during the 1920s?

A 
Beaux-Arts Architects' Ball (January 23, 1931) at the Hotel Astor commemorated the end of the first skyscraper age.
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Diana Gould, REALTOR®, real estate agent and broker for Stamford, Greenwich, Darien and Lower Fairfield County, Connecticut home listings, property and land for sale - NUMBER1EXPERT

Diana Gould
Coldwell Banker Residential Brokerage

893 Post Road
Darien, CT. 06820
Cell : 203-249-6656
Office: 203-655-3961
Fax: 203-655-5192
Email: dianagould@NUMBER1EXPERT.com

As a long time resident of Stamford, I am thrilled to have the opportunity to help you with the successful sale or purchase of your property. I hope that my knowledge of the community and strong attention to detail will earn your trust.

Equal Housing MLS REALTOR


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