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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. See All Tips In The "Self Employed" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What does the abbreviation PITI stand for? A  Principal, Interest, Taxes and Insurance are the four major items included in a monthly mortgage payment. See More Real Estate Trivia >

The Carol McMorris Group The Higgins Group 28 Center Street Wilton, CT. 06897 Phone: 203-762-2020 Fax: 203-563-9521 Email: carolmcmorris@NUMBER1EXPERT.com Carol has been selling real estate for 18 years. As a 35million a year producer, she has helped hundreds of clients successfully through the buying and selling process. She goes the extra mile and has your best interest at heart. www.CarolMcMorris.com is brought to you by The Carol McMorris Group, real estate for Wilton, New Canaan and Newtown, Connecticut Read The Carol McMorris Group's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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