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Not every agent is the same; find out why Kathy Scott and The Smith Team is on TOP of the market! Call Kathy at (979) 777-9067

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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from The Smith Team, a proven College Station, Bryan and Brazos Valley, Texas NUMBER1EXPERT™ Top Selling real estate agent.

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Real Estate Tips
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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Real Estate Trivia
Q 
What home product makes lawn mowing easier than ever?

A 
The Robomow, a robot lawn mower manufactured in the UK by Friendly Machines, can cut 6,000 square yards of lawn all by itself.
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The Smith Team, REALTOR®, real estate agent and broker for College Station, Bryan and Brazos Valley, Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

The Smith Team
Keller Williams - The Smith Team

2700 Earl Rudder Fwy. S. Suite 3000
College Station, TX 77845
979-777-9067
Fax: 979-693-9144
AndrewSmithTeam@NUMBER1EXPERT.com




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