Lexington, Buena Vista, and Rockbridge County Virginia real estate listings, home buying, selling and relocation information

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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	Into what category do forty-four percent of home buying households fall?
A	Forty-four percent of home-buying households are made up of married couples with dependents.
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Paula Jane Martin, REALTORŽ, real estate agent and broker for Lexington, Buena Vista, and Rockbridge County Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Paula Jane Martin
Keller Williams Realty
Lexington, VA 24450
Office: 540.464.1055
Toll Free: 800.841.8977
Mobile: 540.460.1019
Fax: 540.464.1961
Email: Paula@YourRockbridgeConnection.com
Paula, is licensed to transact Real Estate business in the state of Virginia, USA. Paula offers to you a degree of personalized service rarely found among Realtors. Her rich background includes sales, marketing, personal counseling, management, teaching and publication design. Paula is a skilled networker within the field of real estate: residential, commercial, investment and mortgage finance. She owns investment properties and knows the local investors' market. Her network within the building and construction industry will assist those of you who are looking to build or renovate your own home. For each and every client, Paula provides the time and attention you expect. Paula well understands the kind of stress involved in residential sales and purchases. It's often an intense time of transition for all involved. Paula is committed to making the entire transaction as smooth and comfortable as possible for you. Her high-tech office and staff allow immediate response to phone calls, emails and faxes. She is always "on the other end" of her cell phone. Paula is dedicated to serving you and your real estate needs. You are invited to contact Paula and her team.

P.S. Here are some stats from the last few years.

2005 - #1 Selling Agent in Total Sales Volume.
2005 - #1 Selling Agent in Total Transaction Sides
2006 - Top 10 YTD Sales Volume for ALL Virginia Keller Williams Agents
2006 - #1 Selling Agent in Total Rockbridge County sales volume.
2006 - #1 Selling Keller Williams Realty Team in Virginia.
2007 - #1 Selling Agent in our market - 3rd year in a row!

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