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Options exist to help you avoid foreclosure-including counseling, refinancing, and short sales. Purchasers of foreclosures should be aware that such homes, despite their reputation, are rarely big bargains or easy money-makers, and can be very difficult to buy.

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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 
According to Feng Shui, the art of home placement, what five elements are needed in a harmonious environment?

A 
Wood, fire, earth, metal and water must be balanced to create a happy, prosperous home.
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The Jeanne Walters Team, REALTOR®, real estate agent and broker for Bloomington, Spencer and Indiana University, Indiana home listings, property and land for sale - NUMBER1EXPERT

The Jeanne Walters Team
Jeanne Walters Real Estate

107 E 6th Street
Bloomington, IN 47408
Tel: (812) 331-8951
Fax: (812) 331-7532
Toll Free : (866) 877-6677
Email: info@JeanneWalters.com

I truly love my work and consider myself extremely fortunate to be associated with fine colleagues. I enjoy my clients as well and value the opportunity to play a part in important times of their lives. Since 1982 I have completed designations for GRI, CRS, ABR and many fascinating real estate classes.

GRI CRS ABR SRES wcr Equal Housing MLS REALTOR


Jeanne Walters Real Estate real estate and homes for sale in Bloomington, Spencer and Indiana University Indiana

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