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Real Estate Tips

Self Employed >No Problem

There is no doubt about the fact 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 from buyers who are self-employed than from those who work for a regular salary.

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. Before you begin your search for a house, it is a good idea to meet with an agent of your choice who will be happy to accompany you as you meet with one or more loan officers. They will probably want to analyze your tax returns for the past 2 or 3 years. Because people who are self-employed can write off many expenses that salaried individuals cannot, it is possible that self-employed individuals may look impoverished on paper. Try to get pre-approval from the lender, and ask for a letter to that effect which the real estate agent can attach to any offer you submit on a home. This will make you look more attractive to the sellers.

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Real Estate Trivia

Q 
How much does a celebrity's name boost the price of a property?

A 
Typically no more than 5 percent, but there are exceptions--the greater the fame, the higher the price!
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Jeff Finke Realty Team, REALTOR®, real estate agent and broker for Columbus, Hope, Taylorsville, Elizabethtown and Bartholomew County, Indiana home listings, property and land for sale - NUMBER1EXPERT

Jeff Finke
Jeff Finke Realty Team

2405 Cottage Avenue
Columbus, IN 47201
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jefffinke@NUMBER1EXPERT.com


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