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Local Information: Ann Arbor, Saline, and Ypsilanti Michigan home buying, real estate listings, and homes for sale in Washtenaw County, MI

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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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Q	Which house over 100 years old still holds the title as the largest house in the U.S.?
A	The 250-room Biltmore House in Asheville, NC, built 1890-1895 at a cost of $4.4 million, is the largest house in the US.
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Missy Caulk and Team, REALTORŽ, real estate agents and broker for Ann Arbor, Saline, and Ypsilanti Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Missy Caulk & Team Ann Arbor Real Estate
Keller Williams Ann Arbor
2144 S. State Street
Ann Arbor, MI 48104
Direct Line: 734-821-0757
Office: 734-995-9400
Cell Phone: 734-216-2822
Fax: 734-864-1545
Assistants Direct Line: 734-944-6098
Email: Missy@MissyCaulk.com
Betty: basteele@comcast.net
Christa: Christa@ChristaCaulk.com
Patty: pnieman-beeson@cablespeed.com
Judy: Judy@JudyWhitfield.com
As a transplanted Southerner, I have lived and raised five children in the Ann Arbor area for the past 25 years. I know that this is a truly great place to live. My husband Mike (who personally trained our three quarterback sons) and I are deeply rooted in this warm and spirited community, which is a great advantage when it comes to finding your family the right home in the right place at the right price ! I get dozens of referrals every year from former clients, many of whom have become friends, because they value not only my professionalism and knowledge of the market, but my honesty and straightforwardness. Member of REMAX Hall of Fame, Platinum Club, Number 1 Top Producer in Remax Platinum. Purchasing a home is one of the bigger things we do in life. I promise you that the process of doing this, as well as the result, will be enjoyable and rewarding for both of us. In order to serve our clients, we have 4 Buyer Specialists available to give you the best possible service.

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