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  • Why Sellers Choose Frances Hills - Why home sellers in Pawleys Island, Litchfield and Georgetown choose Frances Hills.

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Real Estate Tips
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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Real Estate Trivia
Q 
Which metropolitan area in America currently offers the most affordable market in which to buy new homes?

A 
The housing market in Youngstown, Warren and Boardman, Ohio is currently the most affordable metro area in the U.S.
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Frances Hills, REALTOR®, real estate agent and broker for Pawleys Island, Litchfield and Georgetown South Carolina home listings, property and land for sale - NUMBER1EXPERT(tm)

Frances Hills
The Lachicotte Company

10554 Ocean Highway
Pawleys Island, SC 29585
Tel: 843-446-0330
Fax: 843-527-4055
Email: franceshills@NUMBER1EXPERT.com

My entire real estate career is based on one word, INTEGRITY. After that, I use my in-depth knowledge of the area to introduce and show my clients all the properties available that meet their criteria. Once this property is found and due diligence has started, it is my job to guide and advise the client through the maze of challenges to a successful and knowledgeable acquisition of that very special property whether it is a home, condo, lot, or acreage. Each client is different and each acquisition is different and the joy of my job is meshing the two.

Equal HousingMLSREALTOR


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