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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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Q	What 1982 thriller featured a house that was supposedly haunted because it had been built on the site of an ancient burial ground?
A	Steven Spielberg's "Poltergeist"was filmed in an actual home on Roxbury Street in a normal residential suburb in California's Simi Valley.
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The Volpe Team, REALTOR®, real estate agent and broker for Lexington, Rockbridge and Shenandoah Valley Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

The Volpe Team
Prudential Commonwealth Realty
116 North Main Street, Suite 100
Lexington, VA. 24450
Office Phone: 540-463-4443
Fax: 540-463-4089
Toll Free: 800-464-7515
Chuck Volpe: ChuckVolpe@PruCommonwealth.com
As the preeminent real estate professionals in our community, we are dedicated to providing the finest service available while breaking new ground. Because the real estate industry is becoming more sophisticated and challenging every day, you need a professional that understands the industry and is positioned to stay ahead of the game. We go the extra mile to help you achieve your goals. That’s why we constantly research the market and property values so your home is priced effectively from day one. We also make sure the public knows your home is for sale by using innovative advertising and marketing techniques to attract potential buyers. This allows us to go the extra mile for you. Call or email us today!

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