Jeana Cowie is your Bergen County Real Estate Agent Expert! Over 600+ homes SOLD!! Call Jeana Cowie today at Cell# 201-982-2200

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I add my newest Bergen County homes for sale and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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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 does the term Curb Appeal mean?
A	This term describes how homes look from the street; this first impression is very important to prospective homebuyers.
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Jeana Cowie, REALTOR®, real estate agent and broker for Paramus, Oradell and Ridgewood, New Jersey home listings, property and land for sale - NUMBER1EXPERT™

Jeana Cowie
RE/MAX Real Estate Limited
297 Kinderkamack Rd
Oradell, NJ 07649
office: 201-599-1100 ext. 348
cell: 201 982 2200
fax: 201-251-8283
JMCowie@optonline.net
Over 600+ Bergen County, NJ homes sold. 200+ homes sold in Paramus alone! Consistently one of the Top Re/Max Agents in Bergen County, NJ Bergen County Real Estate Agent. Paramus Real Estate Agent & Specialist Handling all of your Bergen County Real Estate needs. ABR = Accredited Buyer Representative GRI = Graduate Real Estate Institute SRES = Senior Real Estate Specialist Broker Associate, Real Estate Agent

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