Alpena, Presque Isle and Hubbard Lake real estate and homes for sale in Michigan - Margie Haaxma, REALTORS® Margie Haaxma REALTORS(r) for Alpena, Presque Isle and Hubbard Lake, Michigan real estate - NUMBER1EXPERTS™ Margie Haaxma NUMBER1EXPERTS(tm) for Alpena, Presque Isle and Hubbard Lake, Michigan real estate
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Real Estate Tips
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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Real Estate Trivia
Q 
What is the least affordable metropolitan housing market in the United States?

A 
California's Los Angeles-Long Beach-Glendale is currently rated as the most expensive metro area in the nation.
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Margie Haaxma, REALTORŪ, real estate agents and broker for Alpena, Presque Isle and Hubbard Lake Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Margie Haaxma
Banner Realty

259 S. Ripley Blvd.
Alpena MI 49707-4003
989-356-1177
800-356-9961
Fax: 989 356-2147
margiehaaxma@NUMBER1EXPERT.com

Alpena's Most Successful Team... Margie Haaxma is Alpena's #1 Listing and Selling Agent and Broker of Banner Realty. She is a native of Alpena and was born to sell real estate! Her love is working to make a smooth and pleasant transaction for the buyer and seller. Margie's knowledge, experience, ethics, and training have been built over the years and the foundation of her business is from referrals. We welcome you once again...to Alpena's Most Successful Team...

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Banner Realty real estate and homes for sale in Alpena, Presque Isle and Hubbard Lake Michigan

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