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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	Where is the world's largest stained glass window?
A	The American Airlines terminal at the Kennedy International Airport in New York City has a stained-glass window that is 300 feet long and 23 feet high.
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Julian Hardaker, REALTOR®, real estate agent and broker for Glenwood Springs, Carbondale and New Castle Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)

Julian Hardaker
The Best Way Home Real Estate
3722 CR 115
Gldnwood Springs, CO 81601
Tel: 970 309 5169
Fax: 888-478-0471
Email: Julian@TheBestWayHome.com
Julian's energy, integrity and genuine concern for his client’s best interests have quickly helped him to become one of our area's top producing young Realtors. His varied community and sporting endeavors bring him together with the diverse sections of our community. Along with the traditional personal approach to Real Estate, Julian leverages the power of the internet to give his clients an additional edge. In August, 2008 Julian was elected by his peers to serve as a Director on the Glenwood Springs Board of Realtors. He lives in Glenwood Springs with his wife Deborah,their baby Kate, their dog, and two cats. Part time Aspen Ski Instructor, avid golfer (graduate of the University of St.Andrews in Scotland) and fluent in Spanish and French, Julian brings a broad skill set to the table.

www.TheBestWayHome.com is brought to you by Julian Hardaker
NUMBER1EXPERT™ in real estate for Glenwood Springs, Carbondale and New Castle, Colorado, Golf Communities and Hablo Español, Spanish Speaking

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