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School Reports in Lewiston, Auburn and Poland, Maine

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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 area in the U.S. is known for its pre-civil war mansions?
A	Natchez, Mississippi boasts over 500 pre-civil war-style mansions; many are open to the public as museums.
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Gina Letourneau, REALTOR®, real estate agents and broker for Lewiston, Auburn and Poland, Maine home listings, property and land for sale - NUMBER1EXPERT(tm)

Gina Letourneau
Coldwell Banker Millett Realty
155 Center Street
Auburn, ME. 04210
Phone: 207-795-9633
Fax: 207-782-2232
Email: ginaletourneau@NUMBER1EXPERT.com

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