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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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Lenders in 14 states--California, New York, Oregon, Utah, Vermont and Wisconsin and 9 others--have what in common?
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Lender in these states must pay interest on funds held in escrow accounts. |
See More Real Estate Trivia > |
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Garden State Abstract Company
Mimi Korn
Regional Title Executive
Cell: 973-220-0209
Fax: 973-228-5094
Email:
MimiStuart@aol.com
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Edward A. Lepore
Home Mortgage Consultant
Wells Fargo Home Mortgage
Red Bank, NJ
Office: 732-933-5652
Cell: 732-500-6764
Fax: 732-933-8319
Email: edward.lepore @WellsFargo.com
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