Powhatan County and Western Richmond real estate and homes for sale in Virginia - Hank Cosby, REALTOR® Hank Cosby REALTOR(r) for Powhatan County and Western Richmond, Virginia real estate - NUMBER1EXPERT™ Hank Cosby NUMBER1EXPERT(tm) for Powhatan County and Western Richmond, Virginia real estate
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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Hank, a proven Powhatan County and Western Richmond, Virginia NUMBER1EXPERT™ Top Selling real estate agent.

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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 
What home is the best example of colonial architecture in homes designed to "grow" as the family grew?

A 
The House of the Seven Gables in Salem, MA, that was the model for Nathaniel Hawthorne's novel of the same name.
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Hank Cosby, REALTOR®, real estate agent and broker for Powhatan County and Western Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Hank Cosby
Hank Cosby Real Estate

3812 Old Buckingham Road
Powhatan, VA. 23139
Phone: (804) 598-2875
Fax: (804) 598-2833
Email: hank@hankcosby.com

Hank Cosby knows the Powhatan and Richmond areas well. You deserve Hank's expertise, knowledge, and commitment on your side. Please do not hesitate to contact him for more information.

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