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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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Craig A. Lerch Jr. Lerch and Associates Real Estate 1125 Old York Road Abington, PA 19001 Phone: 215-884-9980 Fax: 215-884-9981 Email: Internet@CraigsDreamHomes.com
SECOND OFFICE:
9361-63 Krewstown Road
Philadelphia, PA 19115
Phone: 215-464-9980
Fax: 215-464-9981
Craig Lerch Jr. has been in the top half of 1% of all real estate agents in America for real estate sales since 1996. While at Coldwell Banker in the late 1990s, he was recognized internationally as one of the company's Top 20 agents out of more than 75,000 agents.
Craig is now co-owns a boutique Real Estate agency with his brother Christopher. Lerch and Associates Real Estate serves Bucks, Montgomery and Philadelphia Counties out of three high-end offices.
Craig consistently has been ranked among the Top 300 real estate salespeople in America since 2001. A nationally known and respected real estate speaker and educator, Craig brings a high level of energy and humor into the business of helping buyers and sellers find each other.
He strives to make the buying and selling of real estate as enjoyable an experience as possible, and his agency is a warm and welcoming environment that's designed to build trusting relationships with buyers and sellers alike.
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Lerch & Associates Real Estate NUMBER1EXPERTS™ in real estate for
Abington, Lower Moreland and Northeast Philadelphia, Pennsylvania
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