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Latest Listings: Bridgewater, Basking Ridge and Somerset County New Jersey home buying, real estate listings, and homes for sale in Somerset County, NJ

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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 architectural detail made its way into the design of many suburban homes built in the 1950s, 60s and 70s?
A	The picture window was a signature of the suburban American neighborhood.
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John Bendall, REALTORŽ, real estate agents and broker for Bridgewater, Basking Ridge and Somerset County New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

John Bendall
Re/Max Classic Group
3322 Rte 22 West Suite 908
Branchburg, NJ 08876
Office: 908-895-1898
Fax: 908-231-7799
Email: john@bendallgroup.com
John Bendall earned his real estate license in November, 1986, because he thought about buying houses and fixing them up, just like everybody else in the mid-1980's. With speed and agility, John learned the area, refined his skills and soon became a Major League agent. Within four years he grew his business from ground zero to $26 million in closings. One of real estate's biggest fans, John soaks up all the knowledge he can about every facet of the industry. His many credentials and affiliations with professional organizations are one way in which he gathers the news from the cutting edge of the market. Call or email John today, and he will help you achieve your Real Estate goals. Performance Outsells Promises!

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