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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 famous antebellum mansion was known as the "Queen of Tennessee Plantations"?
A	Belle Meade Plantation was a prosperous 5,400-acre thoroughbred horse farm in the mid 1800's. The Civil War Battle of Nashville was fought in its front yard.
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FEATURED PROPERTY

13464 Princedale Dr
Super Single Family, 3 finished levels with hardwood on main level. 4 Bedrooms, 2 full 2 half baths. Front porch, large back deck, fenced back yard. Fireplace in family room. Finished Rec Room & Den in walk-out basement. Popular neighborhood with no HOA f
Location: FC: 22193: $225-250K
Price: $249,900 Lovely Colonial
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First County Mortgage, Eric Bumgardner
Absolutely always comes thru for us and our clients. Gave us 2 loans and has helped many of our clients.
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Jim and Deanna Gilbert, REALTORŽ, real estate agents and broker for Lake Ridge, Manassas, Gainesville/BristowVirginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Deanna & Jim's GOLD Team
RE/MAX Olympic Realty
9214 Center Street
Manassas, VA. 20110
Licensed in Virginia.
Mobile: 703-615-5888
Voice Mail: 703-881-4489
Home office: 703-794-8066
Fax: 703-794-8067
Email: dj@1ajent.com
Why not have our three Masters Degrees, Mediation and Negotiation Training, and Personal Commitment to "knocking your socks off" on your side?

Read the facts below, but talk to our clients to find out why so many people recommend us to their friends!

- We get RESULTS: PWAR Top Producer for 2002, 2003, 2004, 2005, 2006

- We know REAL ESTATE: Both of us have been involved with real estate for over 27 years in California, Pennsylvania and Virginia

- We know the AREA: Prince William residents for 14 years; Northern Virginia residents for 16 years

- Trained to LISTEN: Deanna has an MA in Marriage & Family Counseling from Pepperdine University

- Trained to SELL: Jim was #1 in his UCLA MBA class focused on marketing & Finance

- Trained to ANALYZE: Jim also has a MS in Computer Engineering from the University of Michigan

- Trained to avoid problems and CLOSE DEALS using the most successful "Win/Win" NEGOTIATION techniques: Jim has had professional negotiation training in classes at UCLA, Lockheed, Northrup-Grumman & Weichert

- Trained to resolve problems as they arise in your transaction: Deanna was trained by Northern Virginia Mediation to MEDIATE civil disputes to the standards of the Virginia Supreme Court

- Real FRIENDLY people: We have 4 kids, 3 dogs, houses, neighbors and friends in the area. Our younger home schooled kids are involved in figure skating and robotics.

- VOLUNTEERS: We volunteer to home schooling groups and the Prince William Association of Realtors.

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NUMBER1EXPERTS™ in real estate for Manassas, Lake Ridge, Gainesville/Bristow, Virginia

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