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*** 2007 *** SOLD! Over 15 million in residential sales *** Hayton/Lytle Team CBSHOME 402-697-4463


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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 is the best example of colonial architecture in homes designed to "grow" as the family grew?

A 
The House of the Seven Gables in Salem, MA, that was the model for Nathaniel Hawthorne's novel of the same name.
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The Hayton / Lytle Team, REALTOR®, real estate agent and broker for Omaha, Bellevue and Papillion Nebraska home listings, property and land for sale - NUMBER1EXPERT(tm)

The Hayton / Lytle Team
CBSHome Real Estate

11511 South 42nd Street
Bellevue, Nebraska 68123
Tel: 402-697-4463
Tel: 402-639-6363
Fax: 402-697-4445
Email: lindahayton@NUMBER1EXPERT.com
Email: linda.hayton@cbshome.com

We Make House Calls...That Sell HOMES! SOLD Over $15 million in residential real estate 2007! 33 years combined experience selling homes! Omaha, Bellevue, Papillion, Plattsmouth, Council Bluffs & Surrounding Certified Residential Specialist (CRS), Graduate Real Estate Institute (GRI), Accredited Buyer’s Representative (ABR), Certified New Home Sales Professional (CSP), and Cendant Mobility Referral Specialist (CMRS)

ABRCRSEqual HousingGRIMLSREALTORwcr


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