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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 is considered one of the slimmest buildings ever designed?
A	The Carnegie Hall Tower, designed by Cesar Pelli, is only 50 feet wide and 60 stories high.
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Phyllis Frankel Realty Group, REALTORŽ, real estate agents and broker for Jacksonville and Ponte Vedra Beach Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Phyllis Frankel
Phyllis Frankel Realty Group
4 Sawgrass Village Dr Suite 100C
Ponte Vedra Beach
Florida 32082
Toll Free: 1-800-999-0245
Ponte Vedra Beach: 904-273-0125
Jacksonville: 904-732-5530
Fax: 904-273-2475
phyllis@frankelrealty.com
When the going gets tough, count on Phyllis Frankel, GRI, CRS, CRP, to get going and sell your home or find the new home of your dreams. It cost no more to use a Top Producer. Let Phyllis Frankel be your agent for Ponte Vedra Beach, Jacksonville and its surrounding areas. With over 28 years of experience and over 2500 homes sold, she has a proven plan to help serve you better. She has earned many local and national designations including #1 in Northeast Florida, The Stanley Norton Award for the Largest Dollar Volume of Residential Sales from the Jacksonville Association of Realtors and the Sales and Marketing Award given by the Sales and Meeting Executives of Jacksonville. When the going gets tough, count on Phyllis Frankel, GRI, CRS, CRP, to get going and sell your home or find the new home of your dreams. Phyllis Frankel has sold a home every 2 1/2 Days, isn't it time you called Phyllis?

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