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School Reports in Annapolis, Crofton and Severna Park, Maryland

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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 70-room East Coast mansion was built as a summer home and is known as a "Gilded Age cottage"?
A	Cornelius Vanderbilt's "Breakers" Mansion in Newport, Rhode Island, named for the waves crashing along the cliff that separates the property from the ocean.
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Joe Fagiolo, REALTOR®, real estate agent and broker for Annapolis, Crofton and Severna Park Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Joe Fagiolo
Keller Williams Select Realtors
#7 Old Solomans Island Road
Annapolis, MD 21401
Direct: 443-951-1449
Main Office: 410-320-6428
Fax: 443-647-0689
Email: jfagiolo@kw.com
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