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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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Lisa Dunham, MBA
RE/MAX Allegiance
5695 King Centre Drive, Suite 100
Alexandria, VA 22315
Cell: 703-298-6546
Office: 703-922-8500
Direct: 703-922-2188
Fax: 1-888-580-7742
Email: Lisa@LisaDunham.com

As with every real estate transaction, my first commitment to you is customer service. When selecting me as your REALTOR®, you have my personal assurance that your needs and desires are my primary concern. As such, I will guide you through every step of your real estate transaction and will happily answer your questions, over and over, until you are comfortable moving on to the next phase.

I take the business of real estate very seriously and know that you are equally as serious in selecting an agent to facilitate your home sale or purchase. When working with me, you can rest assured that you're working with a REALTOR® with both a personal and professional interest in the success of your real estate transaction. I realize that buying or selling a home is the most important business deal you will ever make. Therefore, I promise to enhance and facilitate this process by providing you with the knowledge, experience, care, and confidentiality you expect and deserve.

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