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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.
Mike and Charisse Maloney Keller Williams Properties 1625 N. Commerce 3Pkwy. Suite 105 Weston FL, 33326 Cell: 954-448-9635 Fax: 954-827-2288 Email: mikemaloney12@verizon.net
www.MikeMaloneyHomes.net
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NUMBER1EXPERT in real estate for Cooper City, Davie and Bradenton, Florida
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