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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Sharon Vopal, a proven Chatham, Madison and Basking Ridge, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.
Find Chatham, Madison and Basking Ridge Homes - Find Chatham, Madison and Basking Ridge, New Jersey real estate listings & homes for sale provided by Sharon Vopal, your local expert real estate agent.
For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Sharon Vopal, a proven Chatham, Madison and Basking Ridge, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.
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Chatham, Madison and Basking Ridge Information - Find local information on Chatham, Madison and Basking Ridge, New Jersey including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Sharon Vopal, a proven NUMBER1EXPERT™ Top Selling real estate agent.
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School Reports in Chatham, Madison and Basking Ridge, New Jersey

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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 70-room East Coast mansion was built as a summer home and is known as a "Gilded Age cottage"?
A	Cornelius Vanderbilt's "Breakers" Mansion in Newport, Rhode Island, named for the waves crashing along the cliff that separates the property from the ocean.
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Sharon Vopal, REALTOR®, real estate agent and broker for Chatham, Madison and Basking Ridge New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Sharon Vopal
Keller Williams Realty Premier Properties
488 Springfield Avenue
Summit, NJ 07901
Cell: 973-865-6416
Email: SharonVopal@kw.com
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