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Demetria's Team, REALTORŪ, real estate agents and broker for Portland, Falmouth and Gorham Maine home listings, property and land for sale - NUMBER1EXPERT(tm)
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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 
Fewer than 2 percent of homeowners build this type of home:

A 
Fewer than 2 percent build a custom home; most buy an older home or select from a home builder's menu.
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Demetria's Team, REALTORŪ, real estate agents and broker for Portland, Falmouth and Gorham Maine home listings, property and land for sale - NUMBER1EXPERT(tm)

Demetria's Team
Demetria's Team--The Real Estate Group

347 Main Street
Gorham, Maine 04038
207-780-8800
800-864-5122
207-839-5122
Fax: 207-839-2890
Email: demetria@godemetria.com

Demetria Chadbourne is the Award-Winning Agent that can help you with all of your Real Estate Needs! After 13 years as the Top ERA Agent in the state of Maine she opened the doors of her own Real Estate firm in January 2003! (She was also in the Top 5 of ERA agents in the U.S!) Demetria has a Team of licensed real estate agents who will work to help you not only find the home that fits your needs and desires, but to provide you professional, honest, and ethical assistance.

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