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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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Sutton Realty Group
RE/MAX Ultimate Properties
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The Sutton/LeBarts TEAM! Whether you are buying or selling a home, our #1 priority is your satisfaction. Remember, we are here to service you! We are a team of specialists, with over 20 years of Real Estate Experience! We are committed to our goal of providing you with the best real estate experience you've ever had! Considering that 80% of our business comes from referrals, our simple Real Estate Philosophy works! Our job is to continually learn, grow and fine-tune our craft so our clients receive the full benefits of our knowledge and expertise. Continual personal referrals have brought diversity and excitement, as well as accomplishment to our careers. We list and sell homes throughout the Las Vegas Valley and surrounding areas, work with new construction and the pre-owned market and are as comfortable with the first-time buyer as we are with the frequently moved corporate executive. When it comes to real estate, our signature is more than the signing of our name; it signifies the personal commitment we make, the dedication we give and the service we provide to each and every buyer and seller. In the ever-changing world of real estate, our personal signature reflects our consistency and relentless pursuit of excellence in meeting the challenges of an industry where OUR TEAM CAN AND WILL MAKE A DIFFERENCE!!

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