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Testimonials: Darien, Rowayton and New Canaan Connecticut home buying, real estate listings, and homes for sale in Fairfield County, CT

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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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Sara Littlefield, REALTORŽ, real estate agent and broker for Darien, Rowayton and New Canaan Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Sara Littlefield
William Raveis Real Estate
22 Old Kings Highway South
Darien, CT 06820
Office: 203-655-1423
Cell: 203-253-3350
VM/Fax: 203-653-0908
Email: sara.littlefield@raveis.com
Sara Littlefield, a respected professional in the real estate market, is always on the cutting edge of the industry. Clients want fast, high sales, and Sara delivers just that. Prior to joining William Raveis Real Estate in April 2010, her Prudential sales ranked in the top 2% of the company nationwide which includes 75,000 plus real estate agents. She has also received the Prudential Legend award for five consecutive years as a top-selling real estate leader in this changing global marketplace--and top sales and/or listing agent in Prudential CT's Darien office from 2002 through 2009. Sara has been honored with many customer service achievement awards during her career, earned through customer satisfaction ratings. Her clients especially appreciate her calm, good counsel, and focused and responsive approach to their real estate needs. Sara brings to her clients nearly two decades of marketing, advertising, PR and consulting expertise earned at Apple, Xerox and Priceline among others; consulting expertise in Interactive TV industry with BellSouth and Scientific Atlantic; the game industry with Mattel and Hasbro; CEO/executive coaching in analyst/partner relations, media relations, internal communications and customer relations; plus a master's degree in communications, specializing in interpersonal communications, PR and international negotiations and mediation. She received a B.A. in English with Minor in Business from Santa Clara University and University of London, School of Economics and a M.A. in Business Communications and Public Relations from Emerson College. In graduate school, Sara specialized in Negotiations and taught international students International Negotiation & Mediation courses. All of which help her deliver the best results for her clients.

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NUMBER1EXPERT™ in real estate for Darien, Rowayton and New Canaan, Connecticut, luxury and new construction

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