Overland Park, Lenexa and Olathe Kansas 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 is the most unusual maintenance project done once each year in the United States?
A	The Niagara Falls is shut down for maintenance every year in the fall by diverting the flow of water for 24 hours using a massive series of pipes constructed in 1837.
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the johns family team, REALTOR®, real estate agents and broker for Overland Park, Lenexa and Olathe Kansas home listings, property and land for sale - NUMBER1EXPERT(tm)

the johns family team
Keller Williams Partners, Inc.
11005 Metcalf
Overland Park, KS 66210
Tel: 913.906.5454
Tel: 913.710.4663
Toll-Free: 800.366.5839
Fax: 913.744.2640
Email: jft@kw.com
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