Title: Mortgage Options for Self-Employed Buyers Word Count: 501 Summary: Self-employed homebuyers generally have more difficulty getting a mortgage, because of the way their income is reported and because they are often perceived as not having the job security of others û if they get sick, for example, their whole operation may be down for the duration Keywords: loans Article Body: Self-employed homebuyers generally have more difficulty getting a mortgage, because of the way their income is reported and because they are often perceived as not having the job security of others û if they get sick, for example, their whole operation may be down for the duration. Even self-employed real estate agents and mortgage loan officers encounter this roadblock en route to mortgages. But there are a number of options available to those who are self employed and trying to secure financing to buy a home. If you have good credit and enough money to pay a significant down payment, you can use so-called low-document and no-document loans, two of the most popular options for self employed borrowers. ôLow-docö loans require a larger than normal down payment, but in exchange; you donÆt have to verify your income by showing tax returns and other financial paperwork. Usually a credit check and one or two bank statements is sufficient documentation. The process is streamlined, simple, and advantageous for those whose income may look smaller on paper than it actually is. The closely related ôno docö loans require no documentation of income at all. These are one of the easiest loans of all to process, so if you qualify for one of these, your mortgage application will not take very long at all. The downside is that both of these loans require larger down payments û usually 20 percent or more û and they carry slightly higher interest rates. But for those who donÆt mind paying a little extra for the convenience of qualifying, both mortgages represent excellent choices. Many do-it-yourself home sellers will also offer to arrange their own owner financing for those who are self-employed. They know that this gives them an edge in a competitive market, and they often understand that self-employed people constitute one of the highest income brackets, and are usually dependable borrowers. Even if you arenÆt dealing with ôfor sale by ownersö directly, you can request your Realtor to show you houses that offer seller financing, in order to discover more mortgage options as you house hunt. In addition
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Edo Montini Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Edo Montini Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Edo Montini Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Edo Montini Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Edo Montini Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Edo Montini Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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