Tuscaloosa, Northport and The University of Alabama Area Alabama real estate listings, home buying, selling and relocation information

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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 example of post-colonial architecture is modeled after the palace of the Duke of Leinster in Ireland?
A	The White House in Washington, D.C., begun in 1792 and burned by the British in 1814, was rebuilt in 1818 and restored in 1951.
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Alice Maxwell, REALTOR®, real estate agent and broker for Tuscaloosa, Northport and The University of Alabama Area Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)

Alice Maxwell--Relocation Specialist
Advantage Realty Group
1641 N. McFarland Blvd. Suite A-1
Tuscaloosa AL 35406
205-345-0116
205-292-4546
Fax: 205-758-1831
alicemaxwell@NUMBER1EXPERT.com
"It is important to me to give 100% to every client, because I know that buying and selling a home is more than just paperwork and details. It's about realizing your goals and dreams. And when we're through, I feel I've been successful only if my clients are completely satisfied!" 2008 Realtor of the Year - Tuscaloosa

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