Barton Creek, Westlake Hills and Austin Texas real estate listings, home buying, selling and relocation information

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From My Affiliates: Barton Creek, Westlake Hills and Austin Texas home buying, real estate listings, and homes for sale in Travis County, TX

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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	What is an encumbrance against a property, which may be voluntary or involuntary?
A	There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien.
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Cathy Coneway, REALTORŽ, real estate agent and broker for Barton Creek, Westlake Hills and Austin Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Cathy Coneway
Stanberry & Associates
Commercial/Residential Realtor
1101 Capital of Texas Hwy South, Bldg F
Austin, TX 78746
Phone # : 512-422-5677
Fax #: 512-329-6040
Office Fax#: 512-327-3644
E-mail: Cathy@CathyConeway.com

Cathy has over 20 years experience in the Austin real estate market and is a Realtor with Stanberry & Associates.
She is currently serving or has served on the board of Texas Association of Realtors, South Austin Hospital, Downtown Austin Alliance, Life Savings Bank, Austin Board of Realtors, Homebuilders Association, Women's Council of Realtors, Habitat for Humanity and has been on the board of the Greater Austin Chamber of Commerce twice in her career. She is a Past President of Emergency Services District #9, Central Texas Commercial Association of Realtors, Oak Hill Business and Professional Association and was the 1999/2000 Chairwoman of the American Heart Association.

Cathy loves the outdoors and spends leisure time boating, playing golf, snow skiing, water skiing, herb gardening, playing bridge and traveling with her husband, Rick Coneway a Civil/Environmental Engineer.

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NUMBER1EXPERT™ in real estate for Barton Creek, Westlake Hills and Austin, Texas, luxury homes, Austin commercial properties

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