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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The Chris Knight Team
Coldwell Banker Weir Manuel
177 N. Main Street Suite 100
Plymouth, MI 48170
Direct Line: 734-738-2958
Fax: 734-453-3245
chrisknight@NUMBER1EXPERT.com

Why Choose Chris Knight

Since 1998, Chris Knight of Coldwell Banker Weir Manuel in Plymouth, has been named Coldwell Bankers #1 Agent in Michigan.

Over the years, Chris has consistently earned the "Circle of Excellence," "Top Sales Associate," "President's Top 30," and "Founder's" awards from his company

Chris began his career 26 years ago and now virtually 100 percent of his business is based on referrals and repeat customers.

Chris has always had a strong work ethic and keen entrepreneurial sense. He now employs a full-time office staff to handle administrative duties. This allows him to maintain frequent personal contact with his clients, keeping them apprised of his efforts, new listings, and potential buyers.

More importantly, Chris always looks after his clients from an investment standpoint. "I like to make sure my clients get a good value so when they're ready to sell the house years later, it will have been a good investment for them," he explains.

Chris is a native of the Plymouth area, currently residing in Plymouth Township with his wife Sue and their daughters, Kylie and Alyssa.

The Chris Knight Team is one of The Top Selling Real Estate Experts™

Why Do Some Real Estate Agents Outsell Others 8 to 1?

They negotiate the best deals, list the best homes, have the biggest network of buyers looking for homes, and market properties more effectively, both on the web and off. That's why people come back to them again and again. That's why they sell more homes! They are proven winners - and people know it.

How good is YOUR agent? The Chris Knight Team:

• Helped people buy and sell a staggering 482 properties in 2009! That's a home or property bought or sold every 16 hours.
• Had over $80 Million in total sales volume for 2009.
• Has more than 26 years experience in real estate.
• Employs a team of 2 full-time administrative assistants and four buyers agents dedicated to helping people buy and sell homes.

For more information please visit www.NUMBER1EXPERT.com.

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