La Crescenta and La Canada real estate and homes for sale in California - Janet Ames, REALTOR® Janet Ames REALTOR(r) for La Crescenta and La Canada, California real estate - NUMBER1EXPERT™ Janet Ames NUMBER1EXPERT(tm) for La Crescenta and La Canada, California real estate
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Janet Ames, REALTORŪ, real estate agent and broker for La Crescenta and La Canada California home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out what makes me a top real estate expert. Call me at: 818-248-3669 X217.


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Mortgage Prequalification: La Crescenta and La Canada California home buying, real estate listings, and homes for sale in Los Angeles                    County, CA
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!
 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top La Crescenta and La Canada Realtor to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you!
 

About You
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About Your Move
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Real Estate Tips
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.

See All Tips In The "Self Employed" Category >
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Real Estate Trivia
Q 
Which law allows a person to give another individual up to $10,000 a year without any tax consequences?

A 
The Federal Gift Tax Law allows both parents to give a child (or anyone) $10,000 each in one year.
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Janet Ames, REALTORŪ, real estate agent and broker for La Crescenta and La Canada California home listings, property and land for sale - NUMBER1EXPERT(tm)

Janet Ames
Ellis Realty

3156 Foothill Blvd
La Crescenta
CA 91214
Office: 818-248-3669 X217
Direct: 818-248-4112
Fax:: 818-248-4510
janet-ames@msn.com

Trust Janet Ames to protect your real estate needs. Her goal is for her clients Happiness. Janet's expertise distinguishes her among the top realtors in her area. She goes the extra mile to help you find your dream home. Contact Janet today!

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