Contact Wendy, a top selling Burgdorff agent and member of the elite President's Council at 973-376-4683 or at Wendydrucker.com

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Self Employed >No Problem

There is no doubt about the fact 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 from buyers who are self-employed than from those who work for a regular salary.

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. Before you begin your search for a house, it is a good idea to meet with an agent of your choice who will be happy to accompany you as you meet with one or more loan officers. They will probably want to analyze your tax returns for the past 2 or 3 years. Because people who are self-employed can write off many expenses that salaried individuals cannot, it is possible that self-employed individuals may look impoverished on paper. Try to get pre-approval from the lender, and ask for a letter to that effect which the real estate agent can attach to any offer you submit on a home. This will make you look more attractive to the sellers.

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Q	Which hazardous substance is contained in sixty-four million houses and apartments?
A	HUD estimates that 64 million homes and apartments built before 1978 contain lead-based paint.
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Wendy Drucker, REALTOR®, real estate agent and broker for Millburn, Short Hills and Maplewood New Jersey home listings, property and land for sale - NUMBER1EXPERT™

Wendy Drucker
Burgdorff ERA
545 Milburn Ave
Shorts Hills, NJ 07078
Tel: 973-376-4683
Fax: 973-376-7092
Cell: 973-204-0100
Email: WendyDrucker@WendyDrucker.com
I am expert in the towns that I serve and love what I do. Please call me for help with your selling or buying needs.

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