First Time Home Buyers in Chesterfield, Midlothian and Powhatan, Virginia - Choose Phyllis Anderson as Your Real Estate Agent(s)

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Welcome > For Buyers > First Time Homebuyers ...

You might be a bit afraid or intimidated by the whole process of buying your first home.

I would be happy to take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we can consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

There is absolutely no charge, and I offer this to you with no strings attached.

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School Reports in Chesterfield, Midlothian and Powhatan, Virginia

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Financing Your Home >If You Are Self Employed

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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Q	Which nation, fueled by an oil and manufacturing boom, claims the world's longest building?
A	The "Linear City" of Malasia is currently the longest.
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Phyllis Anderson, REALTOR®, real estate agent and broker for Chesterfield, Midlothian and Powhatan Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Phyllis Anderson
Long and Foster Realtors
9321 Midlothian Turnpike, Suite E Box 35075
Richmond, VA. 23235-0075
voice mail: 804-327-1073
Fax: 804-320-3341
office: 804-560-7625
cell: 804-356-8772
Email: phyllisanderson@NUMBER1EXPERT.com
When you hire me as your agent, I will serve your interests and agenda with diligence. I will meet your needs for regular communication, accurate information, and details pertinent to the transaction. Thanks, in advance, for your trust and your business.

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